The Sun.
London, England, 1838-07-05 00:00:00

Pit vstela rr—J. Inliotson, M. D. , F. R. S. , 37 Ceaduit-street.
Scar:m.l—E. S. Symes, Esq., 3s, Hill-street, Berkeley-square
AeTTIART—W. S. B. Woolhouse, Esq., F.R.A.S., 96, Cornhill,
DANKHR9.--Ales9rs. Wright and Co., 5, Henrietta-street, Co.

vend-garden.
STANDING CouNsnt.—A. Milbourne James, Esq., stone-build•

ings, Lincoln's Inn.

• SOFAClTORS.—Wesors:Webber and Bland, 43, Bedford-row.
SFAHUITARY.—F. Ferguson Camroux, Esq.
DEFERRED ANNUITIES.

I. Amongst the several remedies proposed to mitigate or dimi-
nish the burthen of poor-laws, none has hitherto been brought
forward or adopted that would either induce or afford facilities to
the able-bodied members of society, to be responsible for their own
support.
11. In a state of employment and health every one may be
assumed capable of self-support; competition has, no doubt, re-
dueed the rewards of labour to the standard of existence, ren-
dering it the more necessary that the smallest surplus, over exi-
gencies, should be *lrefully husbanded, in order that, by the best
futilities given to economy and the application of means to ends,
it may be rendered capable of supplying the defittieneies, caused by
'want of employment, sickness, the several casualties of life, and by
old age. Over the frequent fluctuations in the quantity of cm-
Isloyment, the employed have no eontretil ; and, as the souse is not
dependent on fixed laws, but most frequently on the contingencies
which affect the quantity of money, their duration or occurrence
cannot be submitted to calculation—at any rate the remedy is be-
yond their reach. The laws of sickness have been sufficiently as-
certained, for fixinfr, a provision apportioned to the value of a given
eontribittion ; but although such a provision is not to be overlooked,
it of trifling importance compared to the hardships resulting from
want of employment, and unprovided old age. Want of employ-
anent, sickness, and old age, may fairly by classed under one head,
viz. •—a state of non-productiveness. To these, therefore, who
solely depend on their labour, which is seldom too highly remune-
rated, it must be a matter of importance, out of their earnings
when employed, to provide for every period of non-productiveness,
from whichever of the foregoing causes it may arise.
111. The two institutions open to the productive classes. are Sa-
vings flanks and I3enelit Societies, velose nature and scope, wnen
.examined, will be found to offer but a very imperfect remedy against
the evil, being institutions wherein tl:o limited means of this class are
not best made applicable to their several ends.

1. BENEFITS
Secured on attainin; the age of 65, by an Annual Premium of
21. 12s.

AGE. Annuity.

Cash.

Icy.

X s. d.
47 16 6
45 4 8
43 15 3
40 8 2
3$ 3 4
36 0 8
33 19 11
32 1 2
30 4 4
28 9 2
26 15 10
21, 4 0
23 13 9
22 5 0
20 17 7
19 11 7
18 6 11
17 3 5
16 1 1
14 19 11
13 19 9
13 0 7
12 2 6
11 5 3
10 8 10
9 13 3
$ 18 6
8 4 6
7 11 1
6 18 6
6 6 6

X s. d.
394 11 0
373 3 0
352 16 0
333 7 0
314 17 0
297 5 0
280 9 0
264 10 0
249 6 0
234 16 0
221 0 0
207 18 0
195 8 0
183 11 0
172 5 0
161 10 0
151 7 0
141 13 0
132 9 0
123 14 0
115 8 0
107 10 0
100 0 0
92 18 0
86 2 0
79 14 0
73 12 0
67 16 0
62 7 0
57 2 0
52 3 0

X s. d.
466 0 0
440 14 0
416 13 0
593 15 0
371 18 0
351 2 •
331 5 0
312 7 0
294 8 0
277 B 0
261 0 0
245 11 0
230 16 0
216 15 0
203 9 0
190 16 0
178 15 0
167 6 0
156 $ 0
146 2 0
136 6 0
126 19 0
118 2 0
109 14 0
101 14 0
94 3 0
86 19 0
80 2 0
73 12 0
67 9 0
61 12 0

&wings Banks are of unquestionable utility, but they afford no
eont;vgent future advantage, and, besides, the sum that can be
hoardet is incommensurate with the wants of the middle pro-
ductive alleges.

Benefit societies propose to offer provision in sickness and old
age, but their construction will be found imperfect, and their plan
the least profitable application of the means of economy.
1. Because sickness itself is not a calamity of equal probable
duration to the fluctuations in the quantity of employment
and other casualties, and misfortune, against which they offer
xio protection.
2. Because, out of a given means, the sum laid aside for sickness
must diminish the provision for old age.
3. Because many must contribute to the sick fund who never
become chargeable upon it, and the value of such contribu-
tions is lost to themselves and families.
4. Because sickness, being a state of non-productiveness, must
necessarily be included in any protection against such an oc-
currence.

Toe basis on which this
ment of Is. per week, c

table is calculated is the pay.
n* 21. 12s. per annum ; but any
ho benefits secured in proportion

paymont may be made, and

iereto.

EXAMPLE. —A person, aged 23, by the payment of is per week,
or 21. 12s. per annum, will secure, on attaining the age of 65,
the option of an annuity of 401. Bi. 2d., cash down 3331. 75.,
or a policy on his life for 3931. 15s.
By one-half the payment, that is 6d. per week, or IL 6s.
per annum, he will secure the option of half the benefits.
By five times the payment, he will be entitled to the option of
five times the benefits; and the paine may be extended to any
other proportion.

IT. Tarious observations have been uncle on the duration of
sickness, amongst the industrious classes, from an early period of life
until its elm. Those most in use are,—the sickness amongst the
Ilene& Societies in Scotland, given by the Highland Society ;—the
stelmess amongst the labourers in the East India Company's Sec-
°ice ;—the sickness amongst persons employed in Cotton, Silk,
W°6l, Flax, and in the Potteries, by the Factory Commissioners ;
--and the siek"esc amongst the English Benefit Societies, from re-
turns made to they Society for the Diffusion of Useful Knowledge.
These results, trough varied, show how ineonsiderarne is rile
amount of sickness during that period of life, between the ages of
110 and n, when each individual is more immediately thrown on his
'Wu resources;—they are as follows :

All. premiums to terminate with the period.
Two-thirds of the payments may at any time be withdrawn
on deposit of the polio) ; and should the party not survive,
two-thirds of his payments will be returned to his representa-
tives.

11. PREMIUMS.
Annuity, £lO 0 0
To secure, on attaining the
Cash B2 10 0
Ago of 65, the option of
Policy 97 8 6

Aos.

Payable Annually.
1 Payable
In One Sum,

for Disparity.

--
-- - 1 ' .Z. s. d. .Z. s. d. £. s. d.
Av. rage Average yearly 20 010 11 10 010 0 0 0
! Class of Persons. Perio 1. amo.int of Sickness in the
Sickness. period. 21 0 11 7 10 10 8 0 11 5
22 0 12 2 11 1 1 1 3 5
I Months. Days. Days 23 012 11 11 12 0 116 0
/Nook id Societies' return ...... 20 to f 5 16 li
Kest In.'ia Company's labourers 20 to 65 9 0 6 1-13 24 013 6 12 3 7 2 9 3
Factory Commissioners— ( 25 014 6 12 15 8 3 3 1
Cott on 2l to 61 7 27 1
26 0 15 4 13 8 6 3 17 8
ivy.% Yorkshire 2i to 61 10 29 I
IXtto, West of England 2l to 61 8 13 }. 71A 27 016 3 14 2 0 413 0
Flax, Yorkshire
Silk .
..1
Zatiety far Diffusion of Useful; 29 0 111 4 15 11 3 6 6 1
__ Knowledge
18 17 311 89 2 9
Thus, it apllears that the highest expectation of sickness, amongst
30
males, is twelve and a half days, and the lowest six days, in each 2 7
1 2 1 0
18 1 7
year from the age of twenty to sixty-five; its mean duration, in-
33 1 3 5 19 0 3 10 3 4
33
20
elusive a 34 1 5 0
aecidena's of all kinds, would be nine and a quarter days, 35 I 6 7 21 0 0 11 5 4
0 11 12 8 3
daring which, fro= these causes, an individual may expect to be ab- 36 18 5 22 211 13 13 0
stracted from prs'duetive employment throughout a period of forty- 37 1 10 4 23 6 2 14 18 10
five years: while, it 'nay be observed, his religious observation of 38 1 12 5 24 10 9 16 6 0
lOse seventh day, in which he ' shall do no work," has diminished 39 1 14 9 25 16 7 17 14 $
his productiveness, by its recurrence in the same period, six years 40 1 17 3 27 3 11 19 4 10
an& 156 days. 41 2 0 0 23 12 8 20 16 8
'V,. From the foregoing facts it must be obvious that provision in 42 2 3 0 30 2 11 22 10 1
sickness, or a Health Assurance by means of a separate contribu-
44 29 10 33 8 5 26 43 26 3 31 14 10 24 5 4
2 'lion, is unnecessary, more particularly as such separate contribu-
45 2 13 10 35 3 11 28 1 6
8
Lion mwst tend to waste the resource; out of which the industrious 46 218 4 37 1 3 30 211
classes have to provide for the future. It also in effect throws the 47 33 3 39 0 8 32 6 6
bur,isen of the permanently sick on one class exclusively, instead of 48 38 I 1 41 2 2 34 12 3
seeict vat large; who are thus called on for an act of benevolence, 49 315 2 43 6•137 0 7
while tl..ey aro scarce able to do justice to the claims of their own 5O 4 2 3 45 12 2 39 11 7

'V. From the foregoing feels it must be obvious that provision in
sickness, or a Health Assurance by means of a separate contribu-
tion, is unnecessary, more particularly as such separate contribu-
tion mwst tend to waste the resource; out of which the industrious
classes have to provide for the future. It also in effect throws the
bur,isen of the permanently sick on one clan exclusively, instead of
seeietv at large; who are thus called on for an act of benevolence,
while Way aro scares able to do justice to the claims of their own
families. „Besides this, no compensation is given out of the contri-
bution for a rovision in sickness and old age to the families of
those who eleven reaoh the ago of 65, though death should happen
immediate; preceding it ; and, if an assumed hypothesis is correct,
that sickness before death is not more than five weeks, and taking
bed-lying-pay at 10e. per week, it will not unfrequently happen the
only return a a lan may o:; twin as a long and steady contributor to a
Benefit Society, will not exceed 505., a sum scarcely equal to one
;year's payment t a shilling per week, while by his death he leaves
his family entirely unprovided for.
VI. It is to remcdy these defect, inherent in the constitution of
Benefit societies, that the National Loan Fund Life Assurance
Society proposes to submit a plan of Deferred Annuities on a new
principle, which will not only afford a more ample provision for old
age, and protection against sickness and misfortune—but in addi-
tion, the means, at dl. times, of putting his energies in motion, and
in the event of premature death, a better protection to his family.
The plan proposed will embody several essential objects :
I. To secure an increased provision for old age out of a given
saving, by applying it. exclusively to the purchase of a De-
ferred Annuity.
2. To :ender the purchase of a protection in sickness unneces-
eery, by enabling the purchaser of a Deferred Annuity to
witlldra,e or borrow two-thirds of his previous payments.
Bty the use two-thirds of all his payments whoa requirerl,
limit misfortune and want of employment, and extend
ttist l
e power of proe'nctiveness by an increasing command, in
each year, of • - that,while providing
each suen7, capital, .9. for old age,
sive contribut-en renders him more secure against
present sforture
4. Teooantredn,eaet, the age;
at,
which t
be „Deferred Annuity would
Tat reference to his t:sen state of health, the
option of reeei
°mar, instead of his Annuity, its value in
mone, according tao the value fixed on the contract, or a
larger sum PaYable
.5. In the event or (1,m...1h; 3 death.
t,ef,i. before the age at which he would
be entitled to his
fatr.al Annuity, to return iwo-thirth of
his payments to his
trn.onily [or su.h fixed Life Assurance as
may be settled on the
6._ In all such cases where
atillic3:e:Yo.wer of produetiveness fails,
either from disease or
ent, to enable the assured on
qual terms to convert h•,..e-t-
-s Deferred Annuity into a present
A nnuity.
V, i•\ rothwithstanding the obvious and manifold advantaces of
this plan
•over every other hitherto
"d iature a, empetence to the iniustriUs
proposed, for securing present
p I fo 'still more
astriki rez otivaL 'ag,es will be exhibited by conti•alisutinagi itsn prospective
age witli that offered by Bemelt Sccieties
,prey elan -.'or of This
narisexfir2rn the mm-abstractionof a given stint l'or a separate bens-•
ft i;1 .vicku,,,, ich protccttet.i, ht' the
Annuity , no
is inf,re but other
he Loan
°Pere' icn of t
'met tin the Deferre.
cures arc providi'd
.affeliest, caleulated, and a sepa-
t;''t entributian made ;or eccb, woose duration equals that or
the purchase or them wonld entirely alivlrh the inea"us of
pr's
ding for old age, while ;well a -sy4ent retrit ten 4 disentira„,
vr4 naiveness, ant,' afford no
protection to a family in the event of
nzture der,tii. The objea this enllnaees is to npen fa&-
ltt 's
to the efforts of ser:-SuPPcrt• toi the 110.-T-ndence
eft class abeve the forced .
beneveleeee of another, while it recom-
Q ads itself to the latter by ninishing 1155 but then of Peer_laws,

The b aon which these tables, No. 11., are calculated, is
the purchase of a deferred annuity of la/. ; but any amount
of annuity may be similarly purchased by making the pay.
ments in proportion.
EXAMPLE.—A pers.m, aged 30, may secure, on attaining the
age of 65, the option of an annuity of 101., cash down 821. 10s..
or a policy on his life for 971 Ss 64., by the annual payment of
19s. 6d., or a single payment of 161. 7s. Id. ; or by payment
of 71. 3s. 11d., for disparity of aze, he will be entitled to the
samo benefits by the same annual payment as for the age of
20, viz., 10s. 11d. per annum.

An annuity of 5.0/., or five times the other benefits, may
be secured by five times the payment; and, in like manner,
any other annuity and corresponding benefits may be pur-
chased by making the payment accordingly.
AU premiums to terminate with the period.
Two-thirds or the amount paid may at any time bo with-
drawn on deposit of the policy ; and should the party not
survive, two thirds of his payments will be returned to his
representatives.

I. BENEFITS
Secured, on attaining the Ago of GO, by an Annual Premium

of D. 12s.

AGE. Annuity.

Cgih

Policy.

X. s. d. j JE. s. d.
20 27 11 4 269 11 0
21 26 1 1 254 15 0
22 24 12 2 240 12 0
23 23 4 8 227 3 0
24 21 18 5 214 6 0
25 20 13 4 202 1 0
26 19 9 6 190 8 0
27 18 6 9 179 6 0
28 17 5 1 168 14 0
29 16 4 5 158 12 0
30 15 4 9 148 19 0
31 14 6 0 139 16 0
32 13 8 2 131 2 0
33 12 11 2 122 16 0
34 11 15 0 114 17 0
33 10 19 7 107 7 0
36 I 10 411 100 4 0
37 j 911 0 93 7 0
38 8 17 9 86 16 0
39 8 5 1 80 14 0
40 7 13 1 74 17 0

s. d.
346 15
327 14
309 11
292 5 0
275 14 0
259 19 0
244 19 0
230 13 0
217 1 0
204 1 0
191 13 0
179 17 0
168 13 0
157 19 0
147 16 0
138 2 0
128 18 0
120 2 0
111 16 0
103 17 0
96 6 0
89 • 2 0
82 5 0
75 15 0
69 11 0
63 14 0

41 7 1 8 69 5 0
42 I 610 10 63 19 0
43 5 0 6 58 18 0
44 5 10 7 54 1 0
45 5 1 3 40 10 0

ExesinE.—A person, aged 25, by the payment of 21. 12s.
per annum, will secure, on attaining. the age of 60, the option

__
.C. 1.1xT4: s. ------
-----•
----payable Pa able
National LoanFund,l Ace. i Payable Annually. In One Sum. for Disparity.
Deterred Annuities
47 16 391 11 f 66 0 % ofthe %of the %of the £ s. d. X. s. d. x
Option of Benefits,
at 65 payments payments payments s. d.
received. 20 018 11 17 3 7 0 0 0
21 1 0 0 18 0 2
Bedii'tetflot Societies }26 0 Nil. Nil. allow. Nil. Nil. 0/9 9
22 1 1 2 18 17 8
anew in 2 0 7
sickness. 23 1 2 5 19 18 1 3 2 3
National Lean Fund 24 1 3 9
20 15 6 4 5
/7 11 269 11 -46 15 %of the %of the %of the 25 1 5 2 21 15 10 Option of Beaehts, payments payments payments
5 9 1
at 60 received. 26 1 6 9 22 17 3 614 3
--------- --
It is not alone to the industrious classes this plan of Deferred 27 1 8 5 23 19 10 8 0 9
Annuities will be found efficient, in securing an ample competency 28 110 2 I 25 3 7 9 8 5
29 1 12 1 26 8 7 10 17 7
for old age ; but also to that important class of the community who
derive their income from a combination of capital and personal 30 114 2 27 15 0 12 8 3
labour. To this class, the Savings' Banks do not afford a suffi- 31 116 5 29 210 14 0 6
eiently profitable investment ; and, indeed, the framework of such 32 118 10 30 12 2 I 15 14
institutions as have h.,n designed for the more humble classes, has 33 2 1 6 32 3 0 17 10 1
not been made to suit their wants or consult their interests, and 34 2 4 4 33 15 7 19
there exists no institution, at present, to which they can resort, 35 2 7 5 35 911 21 7 8
that would at the same time foster their industry,--secure to them 36 210 10 Si 6 0 7 2
a competency in old age,—and protect them against the varied
37 2 14 6 23 8 9
39 4 0 25 12 5
casualties of life.
The Tables of Deferred Annuities have been constructed wills 38 218 7 41 4 0 27 18 4
9
a view to exhibit the benefits that may be secured by the smallest 39 3 3 0 43 6 1 30 a
effort of frugality, and to suit the circumstances and convenience of 40 , 3 711 45 10 3 i 39 17 5
all classes. 41 313 5 47 16 8 35 10 10
The object of Tables No. I. is to show this option of benefits 42 319 7 50 5 3 38 6 9
the payment of Is. per week, or 2/. 12s. per annum, will secure at 43 4 6 4 52 /6 4 41 5 6
the period of attaining the age of 50, 55, 60, or 65. 44 414 1 55 911 44 The Tables No. 11. show the Annual Premiums required to se- 45 ;
529 7 3
58 6 2 47 12 0
cure the option of given benefits at these ages,—the sum required

The object of Tables No. I. is to show this option of benefits
the payment of Is. per week, or 2/. 12s. per annum, will secure at
the period of attaining the age of 50, 55, 60, or 65.
The Tables No. 11. shim the Annual Premiums required to se-
cure the option of given benefits at these ages,—the sum required
at each age to be paid down at once to purchase them,—and also the
sum at any age to be paid es disparity, so as to enable the purchaser
instead of paying the premium at his own age, to pay that set down
for the age of 20, and by this means enabling the owner of a little
saving to turn it to the best account. The Society will, more-
over, receive all this sum by instalments, two-thirds of the
amount paid may, at any time, be withdrawn on deposit of the policy,
and in the event of death before the stipulated age, two-thirds of
the payment will be returned to the family.

ExAmrui.—A person abed 26 may secure, on attaining the
age of 60, an Annuity of 101., with the other options, by the
annual payment of I/. or a single payment of
221. 17s. 3d. ; or on payment of 61. 14s. 3J. for disparity, he
will be entitled to the same bencllts by an annual payment of
18z. 11d., the same as for age 20.

I. BENEFITS
Scoured, on attaining the age of 55, by an Annual Premium
of 21. 129.

AGE. Annisity. Cash. Policy.
.f s. d. Xs.d. I .E s. d.
20 16 16 6 190 11 0 269 15 0
21 15 17 5 179 16 0 254 10 0
22 14 19 3 169 10 0 239 18 0
23 14 1 11 159 13 0 226 0 0
24 13 5 4 150 6 0 212 13 0
25 12 9 7 141 6 0 200 1 0
26 11 14 6 132 16 0 188 0 0
27 11 0 1 124 13 0 176 9 0
28 10 6 5 116 18 0 165 10 0
29 9 13 4 109 10 0 155 0 0
30 9 0 11 102 8 0 145 0 0
31 8 9 0 95 14 0 135 10 0
32 7 17 8 89 6 0 126 8 0
33 7 6 11 83 3 0 117 15 0
34 6 16 7 77 7 0 109 10 0
35 6 6 9 71 16 0 101 13 0
36 5 17 5 66 10 0 94 3 0
37 5 8 6 61 9 0 87 0 0
38 5 0 0 56 13 0 80 4 0
39 4 12 0 52 2 0 73 15 0
40 ) 4 4 3 47 14 0 67 11 0

EXAMPLE.—A person, aged 25, by the payment of 21.125. pc r
annum, will secure, on attaining the age of 55, the option of an
annuity of 12/. 93. 7d., cash down 1411. 65., or a policy on his
life for 2001. Is.

11. PREMIUMS.
£
To secure, on attaining the Annuity, 10 0 0
Age of 55, the option of Cash,
Policy, l6O 6 6

Eseurt —A person aged 25 may secure, on attaining the
age of 55, au annuity of 101., with the other options, by the
annual parnent of 21. is. 94., or a single payment of
34/. 10s. 3d. ; or on payment 8/. las. 4d. for disparity, he will
be entitled to the same benefits by an annual payment of
IL lie., the same as for age 20.
I: BENEFITS

Secured, on attaining the Ewe of 80, by an annual premium of
£2. 12e.

AOE next
Birth-Day. I Annuity.

d.
10 12 6
9 19 11
9 7 10
8 16 3
8 5 2
7 14
7 4 8
6 15 0
6 5 11
5 17 2
ti 8 10
5 0 10
4 13 3
4 i 0
3 19 1
3 12 6

Cash.

Policy.

£ s. d.
136 12 0
128 9 0
120 14 0
113 6 0
106 4 0
99 8 0
92 19 0
86 16 0
80 18 0
75 6 0
69 19 0
64 16 0
59 19 0
55 6 0
50 17 0
46 12 0

s. d.
214 15 0
201 19 0
189 15 0
178 1 0
186 19 0
156 6 0
146 3 0
136 9 0
127 4 0
118 7 0
109 19 0
101 lit 0
94 6 0
86 18 0
79 19 0
73 6 0

EXAMPLZ.—A person, aged 23, by the payment of 21. 12;
per annum, will secure, on attaining the age of 50, the option
of an Annuity of 81. 16s. 3d., cash down, 113/. Os. ; or a Po..
li.y on his Life fur 178/. 15s.
11. PREMIUMS.

£lO 0 0
To scent e, on attaining the
Annuity,
128
Age of 50, the option of Cash ...
( Policy ... 202 11 0
1 6

Age next i Payable Fayal,le
Birth-Day. Payable Annually. in One Stun. For Disp,rlty.
X s. d. I X. s. d. X. e. d.
20 2 9 0 41 1 0 0 0 0
21 2 12 1 42 19 10 2 11 4
22 2 15 5 45 0 6 1 5 4 11
23 2 19 1 1 47 3 3 8 1 2
24 3 3 0 49 8 0 11 0 1
25 3 7 3 51 15 0 14 1 9
26 3 11 11 54 4 3 I 17 6 5
27 3 17 1 56 16 1 20 14 3
28 4 2 8 59 10 4 24 5 4
29 4 8 10 62 7 5 27 19 10
30 4 15 7 165 7 4 31 18 0
31 5 3 2 68 10 3 36 0 0
32 5 11 6 71 16 4 40 6 0
33 6 0 11 1 75 5 8 44 16 3
34 6 11 6 78 18 5 49 10 10
35 7 3 4 i 82 14 , 54 10 0

EXAMPLE.—A person, aged 24, may secure, on attaining
the age of 50, an Annuity of 101., with the other options, by
the annual payment of 31. 3s. or a single payment of
491. Bs. ; or on payment of 11/. O. Id. for disparity, be
will be entitled to the same benefits, by an annual payment of
21. 95., the same as for age 20.
F. FERGUSON CAMROUX, Sec.

THEIiE is Semper nocuit differre paratii."—LucAN.
perhaps no situation in life so full of
embarrassment as when the over.sensitivk foe themselves
complied to reveal their moral indisc. etions, or their l r sical imperCce-
tions, to others. Dav after day does the horror of exposure accumulate
in the morbid imag nation, while increasing disease augtnents the suffer-
ing of the body and the trritability of the mind. Sensible of the angu:sh
thus Protracted, we have adopted a system which long practical experience
has proved to he highly successful, and which precludes Cte absolute ne-
cessity of personal communication with these who recoil from such mode
of consultation. A full anal minute desetipt:on of the case, written in
plain language, will eitalle us to treat the patient with delicate secrecy;
:nut such has l'eeti the peculiar nat.4.:re of our prcctice, emhracing every
variety of d tiicult circumstances that the most timid may feel encourage-
ment i i the opportunity th s allbrded them.
years of pr..ctice, exclusiv.ly devoted to diseases arising
from inthwretion, gaiety or climate, whereby the constitution may have
Lecome enreatled, enable us to promise a restoration to health, without
any inter:Lame, wi h the °Mi.,t v diet and habits.
Messrs. DOSS and Co. are to be consulted, as usual, every day, at
their tesidence; and Patients in the remotest parts of the country can
lia treated successfully On their de Bribing minutely the case, and en-
el•ssing a remittance for Advice and Medicine. No difficulty can occur,
as the Mediciles will be securely packed, and carefully protected front
observation. GOSS and CO M.H.C. Surgeons,

. -
No. 7, Lancaster-place, Strand, Lo3doil-
•.* Jost publishel (Twenty-third 17-dition), lot. The £GIS of LIFV,
7 lam-dint eo;nmentary on th, nbove Dlscaies.—"2 I. HYGEI ANA, ad-
dressed • xclusively to the female Sex.-31. The SIPHII,TsT, a Trea•
tis.! on I.ues Venerea, Gonorrhcca,&c. May ho had at 23, Pat,u-itJs:er.
)w, Loudon; and of all Booksellers. It nice Ss. each.

LONDON and CROYDON RAILWAY.
CONTRACT for WORKS.
The Directors of the London and Croydon Railway will be ready
to RECEIVE TENDERS on the 12th of July, 1838, for the exe-
cution of the following works :
Contract No. 1, comprises the Erection of certain Buildings, at
the Station at New Cross, in the parish of St. Paul Deptford, in
the county of Surrey ; and also the Erection of certain Buildings
and Works on the Station at Croydon, in the county of Surrey.
Contract No. 2, comprises the Vaulting over the ground which
is to form the Station near Tooley-street in the parish of St.
Olave, in the borough of Southwark; and also the arching over
certain streets and other works connected therewith.
Contract No. 3, comprises the Erection of a Wharf, about 600
feet long, and other works connected therewith, contiguous to the
Surrey Canal, near Cold Blow Farm, in the parish of St. Paul
Deptford, Surrey.
Plans and specifications may be seen at the Office of tho
neer, Joseph Gibbs, Esq., 23, Kennington-oval.
By order of the Board of Directors,
IL S. YOUNG, Secretary.

HEFFIELD, HALIFAX, HUDDERS-
kO FIEL, LEEDS, FIELD, BANSLEY, NO-
TINGHAM,D LEICESTER, and NORTHAMPTON at a QuicTk
Pace, with Low Fares, by the COURIER, from Nelson's Office,
52. Piccadily, at Half past Four, and the Belle Sauvage, Ludgate-
hill, at Five, Ev6i_v Evening.

VLIGIBLE INVESTMENT for CAPITAL.
ji:244 WANTED, 15,0001. to extend the WORKS of a CIVIL
ENGINEER, engaged in the nicnufacture of Engines on a new
and greatly improved Principle, protected by Patents, and for
which the demand is much greater thaa his limited capital can
supply.
The capital required may be advanced by one party, or, if de-
sired, be divided into Five Shares of 3,0001. each, to be invested in
the name of the respective parties, who, in the capacity of Trustees,
will have the entire controul of the expenditure of the Establish -
rnent. All materials will be paid for in ready money, and no debts
whatever incurrOcl.

A Dividend eTIO per cent. per annum payable half yearly, will
be guaranteed to the individuals advancing the loan.
Apply by letter, post paid, with real name and address, to E. J.,
to the care of Messrs. Roy, Blunt, Duncan and Johnston, 19,
Great George-street, Westminster. Communications from Prin-
cipals. (or their Professional Agents) desirous of entering into a ne-
p;ociatien, will receive immediate attention ; and every requisite
information will be subsequentlygiven at a personal interview.

TO the HOLDERS of POLICIES in thr
EQUITABLE INSURANCE COMPANY ENTITLED
to the, BONUS, due Ist January, 1840, the UNITED KING-
DOM-.I.TEE ASSURANCE COMPANY affords the most con-
venient and moderate way of securing the Bonuses.
If a Gentle Man of 65, for instance, is entitled to a bonus of
1,00(1., and should die previous to 1840, when the bonus becomes
due, he may secure the same to his family by the payment of only
three half-yearly premiums, at the rate of 41. 11s. 7d. per cent.,
or 45/. 15s. 10d. half.yearly, the insured being allowed credit for
the other half, being the amount of premium uupaid.
A Gentleman of 70, in like manner, may secure 1,0001. at the
half-yearly premium of 61. per cent., being 601., with this great
advantage, that, should he feel inclined to continue the insurance,
he can do so, on the same terms for five years, and afterwards for
life, by paying the, full premium annually, which will be exactly
double the half yearly, as stated, or the Insurance may be allowed
to expire when the bonus of the Equitable is safe ; this Company
having no claim for the half credit allowed, unless death should
happen previous to the bonus being secure, when the amount of
credit will be deducted from the sum insured.
Every information will be afforded on application to Edward
Boyd, Esq., Resident Director, United Kingdom Lifu Assurance
Office, 8, Waterloo-place, Pall Mall, London.

In n POariyea bSI eu
m. fur i'Dayi sapbairei ty.
AOE. Payable Annually. PUBLICATIONS.
YI
------ THE COURT JOURNAL of
X. s. d. X. s. d. X. s. d. SATURDAY, July 7th, will contain—The Collision of
20 111 0 27 511 i 00 0 last Sunday, and its consequences—Sir Henry—and Lady Eliza-
-21 112 10 28 12 0 112 6 The State Ball—Sonnet to our Sovereign Lady—The Duchess of
22 114 10 29 19 5 I 36 5 Gioucester's Spindid Entertainment to her Majesty—The Grand
23 116 11 31 8 3 52 0 Review—New Peers—New Baronets—Naval and Military Pro-
-24 119 3 32 18 6 I 619 4 motions—with all the Fashionable News of the Week.
25 2 1 9 34 10 3 8 18 4 W. THOMAS, PUBLISHER,
26 2 4 5 36 3 7 10 19 6 19, Catherine-street, Strand.
27 2 7 3 37 18 9 13 2 6 The DOUBLE SHEET, GRATIS, containing a full descrip
tion of the Coronation, has been reprinted, and may he had of all
29 _ _ 213 10 41 14 5_.., 12.!
28 2 10 5 39 15 7 15 7 •
la 't 7'- . - el Beaks a-44 Ntrgstm OSTA GFREE. E
. .
~ -- -
30 2 17 7 43 15 3 20 4 10 Immediately, in 2 vols. post Bvo.,
31 31 7 45 18 2 22 17 1 LiETTERS FRONT PALMYRA.
32 3 6 0 48 3 4 25 12 0 By LUCIUS MANLIUS PISO,
33 3 10 10 50 10 10 28 9 8 To Isis Friend,
34 3 16 2 53 0 9 31 10 3 MARCUS CURTIUS, at ROME.
35 4 2 1 55 13 3 34 13 10 Richard Bentley, New Burlington-street,
36 4 3 7 58 8 4 35 0 7 Publisher in Ordinary to her Majesty.
37 415 11 61 6 3 41 10 9 THE YOUNG -C 0 OK'S GUIDE.
38 5 4 0 64 7 0 45 4 4 By J. ROBERTS,
39 5 13 1 67 10 8 49 1 6
THE
Cook to his late Royal Highness the Duke of Gloucester.
40 6 3 5 70 17 5 53 2 6 An ENTIRE NEW TREATISE on FRENCH and EN G-

-COOK'SGUIDE.THE
fl By J. ROBERTS,
Chief Cook to his late Royal Highness the Duke of Gloucester.
An ENTIRE NEW TREATISE on FRENCH and ENG-
LISH COOKERY, combining Economy with Elegance. To
which are added, the Rudiments of Ices, and the most approved
Recipes in Confectionary.
Published by Laking, Curzon-street; and sold by all Booksellers.