The Sun.
London, England, 1849-01-16 00:00:00

RB4

Do. :N0.2.
Dr., So. 3 ... ..... 30;
Do. Registered Nc. 4 10
Do., Snip No 4
south Watts 33_l
S Yorkshire Don-
caster, and ki Jole 6
Swans. & Lough or & Ca-
meron's Stan. Coal 6
Taw Vale Exten,,it..:
Thames linven Dock
and Railw:ty
Vale of North ...... 4 -
Waterford and Kilkenny 1710 —
Waterford and Limerick 4714 —
Waterfd,Wxfrd,Wicklw,
and Dublin
Wear Valley 6 per Cent.
:Guaranteed
Do. do. do. ... 25
Do. do. do. ... 10
West Cornwall
West London
Do. Do. Ist Class ... 20
Do. Do. 2d Class .- 20
W hitithaven & Furness 14
Windsor, Staines, and
South Western........ 12
Wilt,. Somerset,& 6‘,7.• -
mouth ........ ......... 40
York. Newcas,le, and
Benvick. ......... 25
Do. Original New ..rd
Berwick ...... .. 25 . 275.814
.07,3tEnsioR No. 1. 20
Do. do. No. 2........ 20
Do. G.N.E.Preferencs 8 .. .
York and North Midland 50
Ditto, Preference ...... 10
Do. East and West tint
ing Extension
FOREIGN RAILWAYS.
Anglo Italian (late Ita-
lian and Austrian).
Boulogne and Amiens... 20
Central of France (Or-
leans and Vierzon) ... 17
Ceylon
Demerara l5 ...
Dendre Valley 4
Direct Bombay and
Madras ss. .
Datch Rhenish .. — ...... ••••
East Indian 314 — ......
Great Indian Peninsular 14
Louvain 1. la Sambre ... 714 —
Luxembourg.. 7 IA; ••••••
Ditto ...
Madrid and Valentia... 2 —
Namur and Liege ...... 20 ...
Northern of France...... 12
Orleans and Bordeaux... 7
Paris and Lyons
Do. Do. . lO
Paris and Orleans ...... 20
Paris and Rouen ...,..... 20 ......
Paris and Strasbourg ... 9
Rouen and Havre
Sambre and Meuse 2O ..... --
Strasbourg and Basle
Tours and Nantes 9 ......
Tournay, Jurbise, Lan-
den, and Hasselt ..„.. 20
West Flanders 834

7 ex.int...... x.i

28%

2714
20%
20
I/4
56th

LLOYD'S SHIPPING.—(THIS DAY.)
LONDON, JAN. 16.—Wind S.S.E., moderate breeze,
and dull weather, with rain.
STATE or WIND AND WEATHER AT THE PROVINCIAL
PORTS THIS MORNING, AT 9 A.M.
Gloucester S., fine.
Glasgow
Gosport W., dull and cold.
Leith N.E., fine.
Hull
Newcastle
Southampton
Portsmouth
CORK, JAN. 11.—S1d. Glasgow, Jamaica; Vigilant,
Barbadoes; London, New York.
YARMOUTH, JAN. 15.—The Olive Branch, Mann, of
London, was assisted in here to-day, with loss of fore-
mast and bowsprit, which were carried away during a
squall yesterday, off the Humber. The Caledonia,
It`Farlane, from London to Hartlepool, which went on
shore on the Cross Sand, on the 13th instant, was as-
sisted in here to-day.
TORBAY, JAN. 15.—Wind W.-14. Arrd. Edmond,
London for Sierra Leone, with loss of sails, having
been driven back from Ushant.
DARTMOUTH, JAN. 14.—Arrd. Nordoker, Kruse,
from Batavia for Hamburgh, with loss of part of bul-
warks, having experienced a gale on the 31st ult., in
lat. 32 N., long. 35 W.
PLYMOUTH, JAN. 15.—Wind E.—Arrd. Anne, Cloid,
Rio Janeiro.
SWANSEA, JAN. 15.—Wind S.W.-14. Sld. Countess
of Bective, Cuba; Pasco Grenfell, Cuba; Poond, ditto.
DEAL, JAN. 15.—Wind W. to W. S. W.—Arrd. 15.
Maastroom, Batavia, and sld. for Rotterdam ; Augusta,
Duncan, Madras; ,Echo, Malacca, and sld. for Amster-
dam; Amelia Mulholland, Gray, Cape of Good Hope ;
Mary, Rio Janeiro; Theodor, Prealle, Porto Rico, and
aid. for Hamburgh. Arrd. from the River, 15. Clio,
Demerara ; Baracon, Barbadoes. A rrd. froth the River
and sld. William Hyde, Port Philip. A schooner
diamasted and abandoned, clinker-built, and apparently
west of England build, painted light colour in board, and
outside black to light water mark, painted white above
the bulwarks, and a billet head, long-boat and water-
casks on deck; appeared to have been in contact, was
Passed on the Bth instant, in lat. 47, N., lon. 16, W., by
the George Fife, arrived in the Downs.
,iCARDIrr, JAN. 13.—The Peru, Fago, from Bonny to
Liverpool, put into I'enarth Roads yesterday, with loss
of foremast, bulwarks, staunchions, &C., having experi-
enced very severe weather,
LIVERPOOL, JAN. 15.—Wind W.N.W.—Arrd. 14th,
I:atria, Mann, China ; Henry Winch, Williams, Callo ;
La Belle Barbarie, Africa ; William Spragau, Chase,
Clinton,w Orleans - St. Petersburgh, Howard, New Orleans;
‘,1,, Lord, Mobile; Shannon, Howell, Mobile; Jessie,
Savannahver ; Fingal, Black, New York ; Erin go
rah,
Thompson, New York ; St. Lawrence, Brown,
Bah. 'York. 15th, Nereides, Calcutta ; Challenge,
John aE. Neepariel, Demerara ; Abellina, New Orleans ;
. Calhoun, Baltimore; Caroline Reed, Charleston;
Prolus, New York.
RAnis
GATE, JAN. 15.—The Enchantress, of and from
hnaelon to Zants, has been brought in here a derelict,
aving been picked up on the Goodwin Sands, and com-
menced discharging to-day.
Swi IvENHOE, JAN. 15.—Two ships were lost on the
n on the Ilth instant ; it is supposed that one of the
I!" ships had been on fire, as a quantity of plank par-
11Y burnt, was adrift. A long boat marked Express,
°A
adrifrtlepool, on the stern, was taken in tow, but broke
t again.

MARKET NEWS.—(THIS DAY.)
SUGAR.— COLONIAL.
brisk The demand for British Plantation continues
the sales being 730 hhds, including 130 hhds
4-43 bad es at auction, which realised 37s to 41s for low
to good-yellow, and prices have advanced about is per
evvt. since this day Week. The public sales have com-
prised 4,100 bags Bengal, 6,500 bags Madras, and 147
cacska Manilla. The Bengal sold briskly at an advance
oe'illos,wtnid to good white grainy Dholah at 41s to 435,
x
at 37s 6d, brown at 33s 6d, low to mid white
-!,nares 39s 6d to 41s 6d, and brown at 32s to 335. The
ladras was mostly realised at a slight reduction on
Previous rates, mid to fine grocery yellow 36s to 41s,
rd low to fine brown at 28s to 32s per cwt; but the
nillo was withdrawn at 34s 6d for brown. The
quantity of British Plantation landed last week at the
Fast and West India Docks was 178 hhds, 8 trs, 30 brls;
there were taken for home consumption 1,736 hhds, 260
tierces, 289 barrels. The stock in the same place in
19,271 hhds, 2,704 tierces, 4,287 barrels.
COFFEE.-92 casks 270 bags Plantation Ceylon, 400
bags Native ditto, 240 bags Dutch Company's Java, and
240 bags Padang were offered by auction. The Ceylon
barely maintained previous rates, very good ord Native
being disposed of at 343 6d to 355; the Java sold at
35s to 35s id, but the Padang was all withdrawn at 27s
to 27s 6d for fair to good brown of old import.
Itum.—The quantity landed last week at the East
and West India Docks was 83 puns 56 hhds. There
Were taken for home consumption 366 puns 81 hhds,
and exported 51 puns 10 hhds. Tile stock in the same
places is 21,353 puns 1,973 hhds.
RICE.-1,670 pockets and 700 bags Bengal realised
los to 1 Is for low to good mid white, being steady rates.
SALTPETRE.-780 bags Bengal brought stiffer rates,
viz. 27s to 27s 6d for 3 per cent. refraciion.
TALLow.—P.Y.C. is 41s 6d to 41s 3d per cwt on the
8130 t, and town 455.
TEa.—The market has been steady. Public sales
take place to-morrow. The deliveries are good.
BA MARKE TS.
'SMITHFIELD.—Mead Yow Hay, 2/ 8s to 31 12s; Clover
3itto, 31 lOs to 41 lis ; and Straw, 11 2s to 11 9s per
loath. Trade dull, at but little alteration in prices.
Clover etThinEaLasin.--Mea.dow Hay, 21 10s to Si 114 s ;
ditto, 31 10s to 41 10s; and Straw, 11 4s to
meman d
lOs per load. A full average supply, and a sluggish
WriITECHAPEL. Meadow Hay, 21 8s to 31 1 Is;
Clover ditto, 31 15s to 41 12s; and Straw, 1/ 25 to 11 9s
Per load. Supply tolerably good, and trade dull.

-(ENERAL LYING-IN HOSPITAL.—The annual gene-
ral meeting of the governors of this institution was held
Yesterday at the hospital. in the York-road. The chair
having been taken by Mr..T. Somers Cocks, the minutes
of the last meeting were read and confirmed, as well as
a statement of accounts, from which it appeared that
the finances of the charity had decreased, and the num-
ber of patients increased to such an exteet as to render
an argent appeal to the public necessary. Mr. Meller, as
an incentive to those who were charitably disposed, and
Wished to follow a Royal example, stated that he,
amongst others, had the honour of attending her Royal
ighness the Duchess of Rent, and was aware that that
lady had presented to the charity a chest .of linen gar-
ments sewed by herself aid her present Majesty (then
l'rincess Victoria). The usual routine business of elect-
ing officers, &c., having been gone through the pro-
ceedings terminated.
,Tln
t3ila BEST STOMACH WARMER.—SOe Of the
v.pers are mentioning a newly-invented stomach-
ar
wh tncr, a ease in which quick lime is placed, so that
ra a supply of caloric is wanted the wearer has only
ijre's a sprin, which causes water from ano.her cora-
;ilcaent to berms purted on the lime, which instantly
,yavrep,ss forth. heat in abundance. The best stomach-
De F"er is made after a suggestion of several celebrated
baste
of the culinary art. The whole apparatus a
to 11311 filled with hot and substantial soup, the contents
13, „%apPlied inwardly. If a sufficient portion of bread
more d with this, it forms a poultice which imparts a
either comfortable sensation to a h!althy stomach than
litona,eurrY powder, worsted belts, or any 01 the
tion".4.warrncrs recently recommendel—Liverpool

THE PE OVIDENT CLERKS' MU-
UAL BENEFIT AN!) AIUcUAL LIFE AS-
SURANCE AssOCIATION.

The eighth annual General Meeting of the mem-
bers of the Benefit Department of this Association
was held last evening, at six o'clo!.:k, at the London
Tavern, Bishopsgate-street. The attendance was very
large. Mr. Richatd Henry Jones, the Chairman of
the Board of Directors, presided. Among those pre•
sent we noticed J. W. Welch, Esq., Deputy-Chair-
man ; John Clark, Esq. ; W. S. Sawtill, Esq.; W.
J. Jordan, Esq. ; S. Notley, Esq. ; S. Jepps, Esq.;
A. Dawson, Esq. ; J. Lintott, Esq. ; W. Ratray, Esq.;
A. Stnee, Esq., F.R.S.; J. J. Iselin, Esq.; Dr. Ray-
ner, E. J. Gidney, Esq., East Dearham, &c., &c.
Dr. 1&1I3LLINIM;R, the secretary, having read the
advertisement convening the meeting,
The CHAIRMAN said—Gentlemen, I am extremely
happy to meet you again for the eighth
time, and to congratulate you on the prosperous
state of the association, notwithstanding the
vast amount of - sickness that has prevailed
during the past year. It is at all times particularly
gratifying to my self and to your directors to meet
you ; but that gratification h much enhanced when,
on the present occasion, as on all former occasions on
which we have had the pleasure of meeting you, we
are enabled to report that our business has progressed
in a great and rapid praportion to that transacted in
bygone years. I trust, therefore, when you have
heard the result of our labours during the past year,
that you will, as heretofore, be of opinion that those
exertions have been characterised by an earnest
and anxious desire to promote the prosperity of the
institution in the success of which we are all so
deeply interested.—(Cheers.) The Chairman then
read the report. of which the following is an ab-
stract :

"Notwithstanding the great commercial depression
and other causes, which have retarded the progress of
associations of this kind during the past eventful year,
the board had much pleasure in announcing that this
association had considerably improved its position by a
great increase of members, from which it may be in-
terred that as the principles and objects become more
generally known, so they increase in attraction. During
the past year 525 proposals had been made to the asso-
ciation, amounting to 111,4601.; of which 409 had been
accepted, 66 declined, 50 withdrawn and waiting further
information. 434 policies, representing 85,1101., had
been issued during the year. Although much sickness
had prevailed, the board were happy to state that the
claims continue below the average rates, only eleven
deaths having occurred during the year, being claims to
the extent of 2,150/. Some of these deaths had been of
a very sudden nature. The board then called upon all
members to avail themselves of the power of nomi-
nating, whereby much expense and trouble was saved
to representatives. The annual income from pre-
miums had been increased by 2,3551., which, with
the interest on stock, amounts to about 8,9001. During
the past year the board had the satisfaction of adding to
the funded property by purchasing 4,5001. Three and.a-
Quarter per Cent. Stock, making the total standing in
the names of the trustees to be 15,000/. The report
then alluded to the first quinquennial division of profits
which took place during the year, and which was of so
satisfactory a nature as to give a reversionary bonus of
one per cent. per annum on the amount assured for the
period the policies had been in force, or an equivalent
reduction of 33 per cent. ou the premiums pad able for
the next five years. At the meeting for the purpose of
communicating to the members the declaration of the
board relative to the division of profits, an opinion was
expressed that the period which members should be as-
sured in oriler to entitle them to participate should be
reduced ; the hoard, after taking the opinion of their
consulting actuary, determined to submit a proposition
on the subject to the members, at a meeting to be held
immediately after the annual meeting. At the last
annual meeting, the board called attention to the
favourable results produced by sending deputations
to the provinces, to make more generally known the
important advantages of the association, and during the
past year the same plan had been pursued by deputa-
tiLns visiting Gloucester, Stroud, Monmouth, Newport,
Bristol, Norwich, &c. Public meetings had been held
at Liverpool, presided over by the worshipful mayor, T.
B. Horstall, Esq.; at Gloucester, by the worshipful
mayor, D. M. Walker, Esq ; and at Norwich by B. J.
Gurney, Esq ; and great interest was taken by these
gentlemen in promoting the objects of the association.
The report then alluded to the fact of four of the board
retiring, viz., Mr. S. Jeph, Mr. R. H. Jones, Mr. S.
Notley, and Mr. B. Price, by rotation, but being eligible,
offered themselves for re-election; and that a vacancy
having occurred through the retirement of Mr. J. J.
Iselin, Mr. J. Dankearts (Messrs. Anthony Gibbs and
Sons) being duly qualified, offered himself for election.
It concluded by stating, that while the board would con-
tinue their utmost exertions to promote the extension of
the association, they again begged to remind the mem-
bers that their hearty co-operation is required to aid
them in promoting its progress, and with such assistance
it must eventually become one of the most extensive and
useful associations in the kingdom."
The reading of the document was interrupted at
several points by the applause of the members.
The CHAIRMAN proceeded—Gentlemen, it only re-
mains for me to propose " That the report now read be
adopted and printed for circulation, at the discretion of
the managers." Before, however, I submit this motion
for your approval I wish to offer a few remarks. I
wish much to press upon you the importance of your
carrying out the recommendation in the concluding
paragraph of the report in the spirit in which it
is made, for it is most essential and important,
I assure you that every individual member
should use his best exertions to accomplish the de•
sirable purpose which we have recommended. I wish
particularly to impress upon the members the neces-
sity of taking a personal interest in promoting the
increased prosperity of the association, endeavouring
to induce their friends to follow their example, and to
become members. No one should imagine that his
individual exertions are of no avail; for no one, I can
assure you, however humble he may censider his
influence, can tell how much he may accomplish if he
will only apply himself to the task. It has
fallen to my lot to advocate the question in many
quarters. A similar duty has devolved upon all the
managers ; and I may say that we have all been
astonished at the amount of success which has at-
tended those exertions.—(Hear, hear.) I wish
also particularly to call your attention to the
nomination clause. During the past year, as
stated in the report, many of the families of
deceased members have suffered great expense
on account of the deceased having neglected to
nominate. The process is simple, and so advanta-
geous, and saves so much trouble and expense, that it
is extraordinary any one should omit to attend to it.
A printed form is supplied on application at the office,
and you have merely to fill it up and send it back.
Its receipt is immediately acknowledged, and in case
of death, the party nominated receives the amount of
the policy without expense ; but if this important
duty is neglected, the relatives of the de-
ceased member have to undergo all the ceremony
incidental to proving a will in the Prerogative Court,
which I need not tell you entails great expense upon
the parties who are compelled to apply to that court,
and seeing the evils occasioned by the omission of
this duty by the members,l wish to press upon you to
adopt at once so desirable a privilege.—(Hear.) In
the report allusion is made to deputations to the pro-
vinces. I have had the happiness of forming
a member of some of them, and, in the words of the
report, I may say, that the interest and satisfaction
created in the places we visited with respect to the
association have been very great, and the results not
less pleasing. I see a gentleman before me who, at
the last meeting, urged the directors to advocate the
association strongly in Liverpool, as a very
large field was there open; the directors had
previously had their attention turned to that vast
district ; but the suggestion to which I
refer has not been lost sight of. As regards
our agencies, we are using every exertion to obtain
the services of gentlemen of talent, energy, and re-
spectablility, for without such qualifications an agent
is merely a nominal person. We are anxious that
those, over whom we have not that personal control
which we should possess more strongly in London,
should be persons of undoubted character and influ-
ence. This has been an important and essential fea-
ture in our recent visits to:the provinces. Whilst on this
subject, it may not be inopportune to mention that Mr.
Joseph Townsend, an agent at Bristol, a gentleman
whose name will stand high with us, as one of
the warmest supporters of the 'association, has been
compelled to give up b,is agency, in consequence of his
business not enabling him to give that attention to it
which he has heretofore. J will merely mention
what has been done by his individual exertions. His
first remittance in March, 1845, was 61. odd for the
quarter ; his last remittance for the quarter was 260/.
Now here is a strong instance of what can be done by
individual exertions, and I bring Mr. Townsend for-
ward in this matter because he has served us so well,
and because he has ceased to be our agent, and I do
not wish to part with him without giving credit for
the great exertions be has made. At the same time,
he has expressed his intention to continue to do every-
thing in his power to promote the increased pros-
perity of the association in his locality.—(Cheers.) I
am happy to say that we have appointed a very
able gentleman as his successor. It is, perhaps,
invidious to mention Mr. Townsend except in
relation to his retirement, as one among other
agents deserving of particular notice; at parting,
however, both they and the members will see the
justice of the terms in which I have spoken of that
gentleman.—(Cheers.) In order to show you the
importance of life assurance, I will read you a letter
,which we have received this morning. I presume all
(
f you are assured, but if there are any of you who
have not availed yourselves of the benefit of life
assurance in connexion with this association—if
there are any here who have not taken the wise
precaution of making some provision for the
future I would urge upon them the necessity
of doing so. No one present can answer for a mo-

LONDON,

ment of his existence ; any one, if he were asked the
question, no matter what may be his present state of
health, would at once admit the truth of this. There
is no certainty of life one moment from another. The
letter which I hold in my hand shows the conse-
quences of delay in efnctiog an assurance. The
person referred to had proposed a policy of assurance
with us for 2501. ; he had been urged continually by
the gentleman who writes this letter to complete that
policy, but he neglected doing so. He was suddenly
taken ill of the small-pox and died. I think it will
not be uninteresting if I read it :
" A friend of mine had been frequently solicited by
me to insure his life in our society, especially as he had
a mother and three sisters depending partly on him for
support. After waiting some time for him to propose
himself at the same time as I did, I determined to set
the example, and accordingly became a member in due
course in December, 1846. From this time I never
failed to repeat my solicitations and entreaties, which
were met by various excuses, such as lam so young,'
I am a healthy young man,' &c., till iu the latter part
of September lust, having met with a severe accident ,
myself, which disabled me so much that I was unable to
attend to business, I prevailed upon him to propose him-
self as a member, but which for some reason or other
was deterred till October, when, as you will recollect, he
was proposed, and reference made to me as a friend for
the usual statement as to his health. Your letter on the
subject reached here on the 30th October, and was filled
up and returned the same day. On the following day
he felt rather unwell, and retired from business rather
early, and on that day fortnight was no more. His com-
plaint was the small-pox, and I have every reason to
suppose and believe that at the time of his application
he felt perfectly well. He was, I believe, in his twenty-
second year." _

Now, this is a very strong instance of the conse-
quences of delaying that which it is the moral duty of
every man to do—making a provision for those de-
pendent upon him.— (Cheers.) I am not aware that
there is anything further for me to allude to. Before
I sit down, I beg to observe that I shall feel happy to
reply to any questions that you may think proper to
put to me.—(Cheers.)
Mr. SMITHERE seconded the motion with great
pleasure.
The motion was at once unanimously adopted.
Mr. HENRY proposed the following motion :
" That the best thanks of this meeting are due, and
are hereby presented to the Board of Management
for their attention and devotion to the interests of the
association, and that the sum of four hundred pounds
be awarded them for their valuable services during
the past year." He regretted that he had not been
able to propose a larger sum • but though small com-
pared with the exertions of the directors, he was
fully persuaded that he could on the pre-
sent occasion propose some addition to the
sum he had heretofore proposed. The labours of the
directors had come before him in detail as one of the
auditors, and he was therefore in a position to state
that they were of the most multifarious and onerous
nature.—(Hear, hear.) INiough the sum, he was
convinced, was inadequate as a remuneration, he con-
sidered that such an addition was necessary, in order
to mark the sense which they entertained of the
valuable services of the directors.—(Cheers.)
Mr. MOLLETT seconded the proposition. He was
sure, when they considered that for many years they
had had the valuable services of the directors, and that
they had surprised them with their energy and labour
without a hope of reward, the meeting would accede
to the motion with the utmost pleasure.—(Cheers.)
As an auditor, he had seen the constant attendance of
the directors, and their devotion to the interests of
the association, and their hearty good will and good
feeling in its behalf.
_

The motion was carried unanimously.
The CHAIRMAN expressed his thanks and that of
the managers for this renewed mark of their confi-
dence. Since the commencement of the association,
money was no object with him or with any of his col-
leagues ; but upon principle they thought that some-
thing should be set apart as an allowance for those
who might come after them.—(Hear.) He entered
upon the directory with others, and for five years
they worked for nothing, and he was satisfied to con-
tinue so to labour without any reward save the
pleasure and satisfaction it afforded him to see the
progress of the association.
Mr. BURT then referred to the services of the
secretary, and suggested that some compliment of a
similar kind should be paid to him, and some addition
made to the salaries of the clerks, on account of the
increased labour cast upon them.
After some discussion it was decided that the
matter should be left to the discretion of the board of
management.

The CHAIRMAN assured the meeting that they
were most anxious to do what was right, and to act
in the most liberal spirit with regard to all per-
sons connected with the working department of the
association. The suggestion of the meeting should
meet with the utmost attention. He assured the
meeting that the directors were fully alive to the
valuable services rendered by the secretary and the
clerks. The directors being clerks felt as clerks,
and if they did not do always all that was expected
they endeavoured to do what was right.—(Cheers.)

kr. REED intimated in the course-of the discus-
sion that no one thought more of the estimable ser-
vices of the secretary than he did, but the matter
referred to was one which came peculiarly within
the province of the directors.
Mr. J.W. WELCH said the modesty of the Chairman
would not allow him to propose the next resolution.
They were aware that he was one of the retiring
directors. He did not, therefore, like to propose his
own re-election. That duty, therefore, devolved upon
him, and it was, perhaps, right that the duty should
fall upon him, since no one could give him a better
character, because his position at the board placed
him in constant (he might say daily) connexion
with him. He knew the great interest he
evinced in the prosperity of the association. There
was no sacrifice of personal comforts and pleasures
that he was not ready to make for the benefit of the
association. He was ever kind and thoughtful of the
feelings of those who made application, for they were
aware that the duty of the Chairman of the associa-
tion was unlike that of ordinary assurance offices,
because they had combined with this department
the benevolent department, which was one of consi-
derable trouble and anxiety.—(Hear.) Last year it
was one of very great anxiety, in consequence of the
position in which some of their brother clerks had
been placed, arising from the derangement of com-
mercial affairs. The Chairman's goodness of heart
and general urbanity caused the utmost harmony to
prevail in the board, the members of which acted as
one body.—(Cheers.) He begged to move " That
Mr. R. H. Jones be re-elected a manager of the asso-
ciation."

Mr. PRICE seconded the proposition. Having been
a personal friend of the Chairman for many years,
and having been associated with him many years in
this association, he could assure them that though they
might get as good a chairman they could not get a
better.—(Cheers.) No man could devote a greater share
of his attention, or sacrifice more comforts in
promoting the welfare of the association, than Mr.
Jones had. Not only did he sacrifice his business
time, but his social hours, which every one who knew
him knew he enjoyed with such great satisfaction to
himself and his friends. He was sure they could not
find a better manager in the city of London.
The resolution was carried by acclamation.
The CHAIRMAN himself returned thanks. He as-
sured them his heart was in their cause. As had
been stated, he did devote as much of his spare time
as he could—more than he could—to advance the in-
terests of the association.—(Cheers.) He hoped to
see it progress for many years, which would be the
greatest pleasure he could experience.—(Cheers.)
The CHAIRMAN next proposed—" That Mr. S. Jepps,
Mr. S. Notley, and Mr. Richard Price be re-elected
managers of the association," which was adopted.
The CHAIRMAN next proposed—" That Mr. J. Dan-
kearts be elected a manager of this association in the
room of Mr. J. J. Iselin, who had resigned." That
gentleman had proved himself a warm supporter of
the association. He was chief in the house of Messrs.
Anthony Gibbs and Sons. He had the hearty good
wishes of the directors, who believed that he would
prove of the utmost advantage to the association. The
motion was carried unanimously.
J. DAN/CHARTS begged to return his sincere thanks.
It should be his constant study to promote the in-
terests of the members of the association at large. As
a clerk it should be his constant study to do that for
them which he should wish to have done for himself.
Mr. SAATELL moved—" That the warmest thanks
of this meeting be presented to the medical officers,
Dr. Jones, John Gay, Esq., F.R.C.S., and Alfred
Smee, Esq., F.R.S., and the Provincial Medical
Referees, Agents, and Local Committees; Wm.
Ratray, Esq., consulting actuary; and Messrs. Law-
ford, the honorary solicitors, for their valuable ser-
vices during the past year ;"
Which was seconded by Mr. CLARKE, and carried
unanimously.
ALFRED SMEE, Esq., F.R.S., returned thanks on
behalf of himself and his colleagues for the honour
conferred upon them collectively. This being the first
time they had the honour of meeting them since the
division of profits they thought it right to state,
through him, what had been the result of their past
labours, and what they might expect would be the
future working of the association. Many in that
room were, no doubt, aware that it was stated on good
authority that a number of clerks could not be asso-
ciated together, for the purpose of life assurance, with
any great advantage to all. Now the working of the
first seven years of the association showed this tole-
rably significant fact, on the authority of the medical
officers and actuaries, that notwithstanding this, a
reduction of 33 per cent. in the premiums had been
effected in this association.—(Cheers.) He could not
conceal from them the fact that the medical officers
whom they had been pleased to entrust with their
confidence, and who were surgeons to many of the
hospitals, dispensaries, and assurance offices, had a
great and responsible duty to discharge. The num-

ber of deaths was to them a subject of great con-
Icern, but, owing to the care which he and his col-
leagues had taken, the. lives had been below the
average.—(C'neers.) Persons following the avocation
of clerks did not live on the average so long
on other classes; for instance, a labourer, aged 20,
had a chance of living 48 years, when a clerk of the
same age had a chance of living but 32 years; but in
taking the average duration of life of persons of that
age in the town and rural districts combined, the
chance of life was 44 years.—[Mr. Smee here alluded
to the local and London averages of life, and men-
tioned certain tables to show the care they took not
to report favourably upon persons, unless in the first
state_ of health.] He might say that 66 persons
had been declined in the report of the
medical officers during the past year. It
might, perhaps, be thought that these lives were
unfairly declined.—(No, no.) And it so happened
that he had examined all the private notes of every
ease declined since the commencement of the associ-
ation during the past year. lie had no hesitation in
saying that the lives were totally unfit for life insu-
rance, or if so, only at so large a reemium that this
office could not take them.. They'never refused any
person who could be accepted with fairness. :When
there was a probability of many dying from cholera
in this year, it was the bounden duty of many more
to assure.

Mr. RATRAY briefly returned thanks. It was most
important, as Mr. Smee had stated,.l,bat the lives should
be well chosen, otherwise the gendal gain to the mem-
bars would be materially lessened. lie assured them
it was his earnest wish to benefit the institution to the
best of his ability.—(Cheers.)
Dr. MULLINDEx said the last year, they would
agree, was a very eventful one ; for the Press had had
to chronicle the fall of dynasties, the outbreaks of
revolutions, the rise of Chartism, the establish-
ment of republics, the labours of special constables,
and many other special circumstances ; but not the
least of its labours was the great service it had ren-
dered to that legitimate republic, the'Provident Clerks.
In his opinion, he believed the peaCe of this country
during the past year had. been materially promoted
by the existence and extension of life assurance.—
(Hear.) The Provident Clerks were all Chartists.—
(Laughter.) He would tell them what he meant.
The Chartists contended for several points ; but those
of the Provident Clerks were as numberless as
the quills on the Porcupine's back.—(Renewed
laughter.) From the time of the appear-
ance of the paragraph in the Morning Herald, in 1840,
which led to the formation of the institution, bar-
ricades had been thrown up for the purpose of pro-
tecting the widow and the orphan against those vile
and tyrannical oppressions—poverty and want; and
the press had at all times rendered their special ser-
vice, both in London and the provinces.—(Cheers.)
The Press were the moral regenerators of,the country,
but they could not render more essential service than
when they aided institutions such as this. The
Doctor concluded by reading the following lines :
" There's a good time coming, boys,
A good time coming,
Little children will be taught
Ilow annuities are bought,
In the good time coming;
And begin in early life
To deposit their few pence,
Until they can their life assure,
Wait a little longer.
" There's a good time coming, boys,
A good time coming,
The people will be provident,
And will assure instead of waste,
in the good time coming.
They will abstain from all that's vain,
And make provision when in health.
The reformation has begun,
Wait a little longer.
" There's a good time coming, boys,
A good time coming,
You must aid it all you can,
Every woman, every Man,
The good time coming.
Smallest helps if rightly given,
Make the impulse stronger;
'Twill be strong enough one day,
Wait a little longer.
There's a good time, &c.
" There's a good time coming,
A good time coming,
We have lived to see the day
When Life Assurance is gaining sway
For the good time coming.
Saving banks are a helping hand,
But Life Assurance is the plan ;
We'll win the battle by its aid,
Wait a little longer.
There's a good time, &c.
" There's a good time coming, boys,
A good time coming,
When men will think how to provide
For those they live with side by side,
In the good time coming.
Want and drear misery must
Be driven from our native land,
The impulse has been given,
Wait a little longer.
" There's a good time coming, boys,
A good time coming,
When every family shall posses
A certain and sure provision
In the good time coming.
Every child shall have a share,
And every widow free from care,
Wait a little longer.
There's a good time, &c."
He begged to move " That the best thanks of this
meeting be presented to the gentlemen of the Press
for their continued able advocacy and support daring
the past year."

Mr. JEPPS heartily seconded the resolution.
The CHAIRMAN then Put the resolution to the
meeting, and declared it to be carried unanimously.
The CHAIRMAN then stated that the business of
that meeting had concluded, unless any gentleman
had any further observations to make.
Mr. ISELIN said that he had some further observa-
tions to make in the discharge of what he considered
an imperative duty, and that was to move a
vote of thanks to the Chairman, and Deputy
Chairman of the association.—(Cheers.) He
considered that it would be impossible to assign a
more grateful occupation, or impose a more pleasing
duty on any man than that which he had been called
upon to discharge.—(Cheers.) He was very glad
that it had devolved upon him to move instead of
seconding this resolution, because it gave him the
opportunity, as he was no longer a servant of the in-
stitution, of saying , that of his late colleagues
which he could not have said had he been a member
of the board of directors.—(Cheers.) .When he was
one of the directors of the institution he had witnessed,
with the greatest satisfaction the assiduity and atten-
tion that had been paid to, the interests of the members
of this valuable institution, both by the chairman and
the deputy-chairman.--(Cheers ) He most cordially
concurred with the observations that had been
made by Mr. Price in seconding the nomi-
nation of the chairman, when he stated that
he had sacrificed the enjoyments of his
home and family, no small sacrifice he was cer-
tain, for the purpose of attending to the interests of
the institution.—(Cheers.) He was astonished at the
assiduity displayed both by the Chairman and
Deputy-Chairman, and he was satisfied that had the
institution paid them for their exertions their duties
could not be more effectively performed.—(Cheers.)
Their energies and efforts, and their visits to the
country, had spread a knowledge of the benefits of
the society throughout the provinces that
was astonishing and hardly to be credited—
(Cheers) a knowledge that he felt assured
the exertions of the chairman and deputy-chairman
would extend to every part of her Majesty's domi-
nions.—(Cheers.) Mr. Iselin, after bearing testi-
mony to the undeviating zeal of all the servants of
the institution, and their untiring desire to promote
its interests in every respect, concluded by proposing
a vote of thanks to the chairman and deputy-chair-
men, amid much cheering.
Mr. COLEMAN seconded the motion. He cordially
concurred in all that had been raid by Mr. Iselin.
They had before them a report of the most pleasing
character, for they found, notwithstanding all the
a larger number of policies
difficulties of the times,
effected, and a greater amount of insurances placed
on the book of the institution, than on any pre-
vious year.—(Great cheering.) He was most happy
to see the prosperous condition of the institution, and
he felt certain, with its present valuable and intelli-
gent officers, it would continue in its onward and
benevolent course.—(Cheering.)
Mr. ISELIN then put the motion, and declared it to
be carried unanimously amid much cheering.
The CHAIRMAN, in returning thanks, said that he
was afraid the meeting would be tired of seeing
him rise so often to return thanks, for he had been
doing nothing during the whole evening but return-
ing them.—(Laughter.) It was to him the greatest
satisfaction to see that his exertions met with the
approbation of the members of the institution. He
could assure them that those exertions were sincere
and honest—(Cheers)—and that they had satisfied
those with whom they were associated was the best
guarantee for their acting rightly in future.—
(Cheers.) The approval of the meeting of his
conduct, and of those with whom he acted,
Was an additional gratification to him. In conclusion,
it might not be inopportune in him to state that they
had completed in this year ten policies for 2,8001.
and one deferred annuity.—(Cheers.)
The meeting was then dissolved, and another was
held for the purpose of taking into consideration the
alteration of the 32d rule, which provided that no
person should participate in the profits unless he had
been a subscriber for five years.
The CHAIRMAN, in opening the business of this
t
meeting, said that it would be recollected that at
their last meeting suggestions had been made for the
alteration of the 32d rule, and that upon that occa-
sion it was stated that the Board would give the sug-