The Sun.
London, England, 1851-04-05 00:00:00

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'SCOTTISH WIDOWS' FUND
AN LIFE ASSURANCE SOCIETY.
The Thirty-seventh Annual General Court of this Society was
he d .withhi the Royal Hotel (Gibb'o), on TUESDAY the 14th of
March, in terms of, and for the purposes specified in, the articles of
constitution ; Anthony Murray, Eeq . of Dollerie, W.S., in the chair,
The minutes of the last General Court were read and approved.
The manager tlie.. read the Report by the Directors of the pro-
ceedings of the last year, from which it appeared-
1. That the number of Policies passed during the year had been
716, the suns Assured amounting to 495,169/. 145., and the
annual contributions to .6,6461. Gs. 5d.. being an excess over
those passed in the previous year to the extent of 116 in
the number of Policies, and of 76,104/. 3s. in the amount
Assured.
2. The' the average amount of Assurance passed during the last
thirteen years lied exceeded half a million annually.
3. That the tote! amount of the Society's engagements at the rises
of the year 1850, exclusive of Bonus additions, amounted to
6,921,5911.13 t. 7d.
4. That the Capital of the Society had increased during the year
to the extent of 142,6432. 3s. 11, and amounted at 31st De-
cember last to 2,310,1491. 12s. 2d.
5. That the Annual Revenue of the Society amounted at 31st De-
cember last to 306,3111 155. 101
6. That of the Lives assured by the Society ie existence at the
eernmencement of the year 1350, 94 had died during that
year, the semis for which they were assured amounting to
110,5941. Bs. 4d., and the Beaus additions attaching to the
Policies at the date of their emergence amounting tO 27,5131.
Bs. Bd.
7. That the above sum of 110,8941. Bs. 41., and the number ef
deaths, were in the ratio of 57 per cent. of what might have
been expected, according to the tables of mortality upon
which the Society's calculations are based.
The CHAIRMAN then rose, and moved the approval of the
Report; and the motion having been carried by. acclamation,
Its said —You have been pleased to approve of the Report
of the Directors ; and it now devolves upon me, having
the honour to occupy this chair, to address a few
words to you, almost recapitulating that which is con-
tained in the report—not for the purpose of adding any facts to
those which are there stated, but rather in ordsr to endeavour to
impress them More deeply upon your attention. I will begin
by observing that the filets contained in the report era founded
upon figures, and are, therefore, hardly to be challenged—(hear,
hear)—and it is in consequence the less necessary for me
to say much about them. I may, however, remark that
these facts are rather agreeable ones, because we find
ourselves, after a year somewhat of depression, as that
of 1849 was, at last replaced in the situation of con-
siderable advancement.—:(Applause.) We find, for example, from
the report, that, while in the year 1849 the-directors had passed 600
policies, they have passed during the past year of 1850 as many as
716, being an increase ef 116 over those passed in the previous year.
We aiso find that upon these lives the amount insured in 1849 amounted
to 422,000/., while in 1850 it amounted to 498,1691. 145., or very nearly
half a million.—(Cheers.) I think that these are encouraging
facts. Another gratife ing fact alluded to in the report, and
thatof
onre
aws to retain the confidence of the pub
stpihhiemei
period
,eur.aeroacr
ftai
rutgehreeLaiinrml
get] yeasf
egtefaneounmlrylcoecyeinale'rsesr,fl from oh me businessa average
ehr aa gt e Ihaamhs ao
uvh e jnett uosft
fallensbtua
st
ieend, off, That
Tat
01
tbLtthe Society has exceeded half a million annually. I think that
hear.)tln'ue s us that our Association con-
to
additions attaching to
ampeohuenttes
policies,)
vsievrye onfeatrhlye
revert millions sterling, the exact sum' being 6,920,5911. 13e. 7d.
That Is the extent of the obligations under which we lie to the public,
who hold our palicies.. The capital, by which we are enabled so far
to meet these engagements—the really invested capital—amounts to
2,310,149/, 12s. 2d., with an annnal revenue of 306,5111. 15s• 10d.
That revenue, you will Observe, is more than double the amount
which we paid in the course of the past year, under emerged policies;
and that revenue, as you have heard it stated, so far as it arises from
the Society's capital, is derived, not from uncertain sources, but from
the best security which can be found in Great Britain. There is
another agreeable circumstance mentioned in the report. I believe
it is not unusual—l believe it is to be found elsewhere—viz., That
during the past year the mortality among the members of this
Association has been less than during the preceding year, and
that, too, although of course the number of lives insured has in-
creased, end the ages of these lives have also increased. Notwith-
standing this, the number of lives that have fallen during the past
year is only 94, being a decrease of 17 as compared with 1849, when
the number of persons insured who died was lii. This, as I have
already stated, is an encouraging and agreeable circumstance; but
it is a circumstance which we must observe with caution, because
it will occur to every gentleman here present, as I dare say
it also occurred to the Directors, that these vicissitudes in the
number of fallen lives only show us the uncertainty of one year's
casualties compared with those of another; and, therefore, we are
justified, as we think, in maintaining our present practice of
a division of profits only at considerable intervals, viz., seven years.
During that time we arc enabled to ascertain with more accuracy
than we could otherwise do, the true state state of mortality amongst
our members. While I feel called upon to make this remark, which I
believe to be a proper one, I also remark another circumstance in the
management of this Association, which is this, that while we divide
our profits only once every seven years, we, at the time of declara-
tion, set aside what is necessary not merely to secure a Bonus for the
past seven years, but for the seven years which must necessarily
elat se before another declaration takes place—that is to say, looking
forward to the certainty that some of the policies must fall, by the
than of the members, during the course of the succeeding seven
years, we at the period of declaration, set aside a sum from the real-
ised funds, fit the purpose of meeting the payment of a prospective
bonus upon those that may fat, so that any policy that falls
during the next year, or in any one of the seven years before
another declaration is made, is entitled to receive i.s share of
the bonus, not only accruing when the previous declaration wee
made, but an addition also corresponding each year that ,•as since
elapsed. In this manner no disadvantage arises from postponing the
period of actual investigation or declaration ; because let a member
die when he may, his representatives dray., a bonus for each year that
he has been a contributor to the funds of the Society.
The sum which has already been divided, or which may be
divided amongst the representatives of the 94 persons who died
during last year, amounts to 110,8941. Bs. 41, being the original sum
for which they were assured, and the bonus additions attaching to
their policies, is 27,513/. Bs. sd., making altogether the sum of
138,4071. Now, it occurs to me that the sum for which we
have become liable by the death of our members during the
past year, is very s tisfactory evidence of the benefit de-
rived from the Association by the community. The division of this
sum amongst 94 individuals, must give to each individual 1,4001. or
1,500:.—a very comfortable sum indeed.—(Hear, hear.) then, coin-
cident with the diminution in the number of lives that have fallen
Our ng the past year, the average mortality has, of course, decreased.
Instead of being 63,1 per cent., as it was in 1849, it was last year only
57 per cent., upon what might have been anticipated, according to the
bills of mortality on which the Society's tables are based; and this de-
crease In the rate of mortality is all the more striking, seeing, as I
have already remarked, that the number of members and the aver-
age age of the lives was increased during 1850.—(11ear, hear.)
These are the principal features in the statistics stated
is the report read by the manager. Before proceeding any
further...l may remind the meeting of what has been already
stated by the manager, that we have on the table a report by
three gentlemen Mr. Brown. accountant, Mr. Melville,
W.S., and Mr. Brand, Secretary to the Union Bank—eminent
for their professional qualifications, who were called upon by the
Extraordinary Court of Directors to report upon your affairs. That
report, as has been stated, has been placed in the hands of the mem-
bers ; but if any member may not have received it, he is ill Inc eupplid
with a copy of it, by applying at the Office. In that report a most sa-
tisfactory state is exhibited of the position of the Society.—(flear,
hear.) I observed in apl evious part of my statement, that your affairs
are founded upon facts and figures; and it will be seen from the
report to which I am now referring, that the most careful examina-
tion was made to verify the figures upon which these facts are
based ; and that the result was, that it was found that the funds of
the society are safely invested, that its affairs have been prudently
administered, and that the system of book-keeping and checks
is as nearly perfect as any institution can possess. We
trust that the meeting will regard is hat is stated in this report,
and also in the annual report -just submitted, as very satisfac-
tory.—(Hear, hear.) We have alluded to the successful results of
last year. We do so with perfect confidence, referring not to any
thing in our institution as compared with others, but to its own In-
trinsic and individual merits. Looking around us, we see many in-
stitutions somewhat similarly based. We hail them all, net as rivals,
or competitors, but simply as assistants and fellow-labourers in
the saute good work, established for the benefit of their individual
members, and thosenvho may choose to take advantage of the sys-
tem of Life Insurance.— (Applause.) There are various means for
effecting this object, and various ways of taking advantage of this
system, but we think that the experience of thirty-seven years
justifies us in adhering to our own system—a system which we
have found to work remarkably well, and which we find
has passed through at least a few years of trying ordeal, and
may say with triumphant success. —(Loud applause.) It is, how-
e'ver much we may regard other kindred institutions with satis-
faction and good will, a natural desire on the part of the Mem-
bers of this Society, to endeavour to find others who will
follow their example; and we trust that the results we have
now exhibited will be no small ixdueement to draw them
towards us. Every one connected with us, has connexions in
some way or other, whether by relationship or otherwise, to whom
he may recommend the example, which he has himself set— of in-
suring his life. We can do so—not in any spirit of selfishness,
because it must be remembered, that of the thousand, who have
insured their lives, not one of them will receive the benefit him-
self. They must all die before the benefit of what they have done
can be reaped; and, therefore, it is from no spirit of selfishness, or
with a desire hastily to be rich, that we reccommend hie insurance
to others. We recommend it simply upon the principle, and in the
spirit "of a well-regulated industry, and of a vigorous and manly
self-denial in the use of those advantages which we derive from
our professional avocations.— (The Chairman resumed his seat amid
great applause.)
On the motion of Dr. GuNN, seconded by Professor SIMPSON, a
vote of thanks was given to the Court of Directors, and to the
Trustees and Office-Bearers, for the manner in which they lied
respectively discharged their duties during the peat year.
On the motion of the soaterron-GENERAL. seconded by Colonel
CADELL, Alexander Pringle, Esq., of Whytbank, was appointed a
Trustee of the Society, in room of Sir James Gibson-Craig, Bart.,
deceased ; the names of the Trustees being—
W. Mitchell Hanes, Esq., of Parson's-green.
James Balfour, Esq., ef Pilrig, W.S.
Edward Loyd, Esq.. banker, Manchester.
The Honourable Bouverie F. Primrose.
Alexander Pringle, Esq., of Whytbank.
On the motion of Professor AYTOUN, seconded by the Rev.
BERKELEY AnDismv, the vacancies in the Direction were supplied,
and the Court of Directors were declared to stand as follows

PRESIDENT.
The Right Honourable the Earl of Rosebery, K.T.
• vicE-raEstomeTs.
His Grace the Duke of Buccleueh, K.G.
The Moat Honourable the Marquis of Tweeddale, K.T. & C.B.
Sir William Gibson-Craig. Bart. of Riccarton, M.P.
* The Rev. Dr. James Grant, Edinburgh.
EXTRAORDINARY DIRECTORS.
His Grace the Duke of 'Sew-castle.
Leonard Horner, Esq , London.
Daniel Watney, Esq., Wandsworth, London.
Rev. Dr. Robert Macnair. Abbey Church, Paisley.
William Shnttleworth, Esq., Town. Clerk of Liverpool.
An. Murray, Esq., of Dollerie, W.S.
William Mitchell Inner, Esq., of l'arsonsgrcen.
John Ravenhill, Esq., banker, Warminster.
Charles Bernie, Esq., advocate.
Archibald Davidson, Esq., Sheriff of Aberdeenshire.
William James Duncan, Esq., Manager of National Bank.
Sir William Hamilton, Bart., of Preston.
The Solicitor-General for Scotland.
Archibald Allison, Esq., Sheriff of Lanarkshire.
George Dundas, Esq., Sheriff of Solairkahire.
* The Very Rev. Dr. Jcune, Master of Pembroke College, (Word.
* Sir Charles Adam, K.C.8., Greenwich.
* The Rev. Dr. Robert Gordon, Edinburgh.
* William Penney, Esq., advocate.
* The Rev. Dr. Hill, Univcrsity of Glasgow.

OIIDINARY DUIECTORS.
Isaac Bayley, Esq., of Manuel.
Lewis A. Wallace, Esq., Architect.

James Mylne, W. 5.
Alex. Pringle, Esq., of Whytbank.
James Tytler, Esq., of Woodhouse-lee, W.S.
George Gibson, Esq , merchant, Leith.
William Wilson, Esq., W.S.
Sir Adam Hay, Bart., of Haystoun.
John Cockburn, Esq., merchant.
Henry Cheyne, Esq , W.S.
Robert Scott Moncrieff, Esq., advocate.
Alexander Thomson, Esq., W.S.
Thomas G. Mackay, Esq., W.S.
*John Ca.dell,rArtent, advocate.
*Alexander Dun inure, Esq., merchant, Leith.
*Thomas Beveridge, Esq., D.C.S.
Those marked are new appaintmente.
On the motion of CnaisTornza WOOD, jun., L sq., seconded by the
Very Rev. Principal APPARLANE, the thanks of the meeting were
given to the ChAinnan for his conduct in the chair ; and the Court
thereafter adjourned.

• JOHN MA.CKENZIE, Manager.
WILLIAMnoN.R AEy
BOARD. E SAY, Secretary.
LONDON
GEORGE YOUNG, EN', 47, Wimpole-street, and Mark-lane.
I
Rev. JOHN JACKSON, Rector of St. 4 amea's, Piccadilly.
CHARLES ,EDWARD POLLOcIE, Esq., Barrister, Temple,
DAVID BILL, Esq., East India Ilotr.e.
Esq., Publisher,
JOHN 3IURRAY, Albemarle-street.
SAMUEL LAING, Esq., Chairman of Brighton Railway.
oFFIcE-4, ROYAL EXCHANGE BUILDINGS.
HUGH M'KEAN, Agent.

PROMOTER LIFE ASSURANCE AND
ANNUITY COMPANY.
No. 9, Chatham-place, Blackfriars, London.
Established in 1826.
Subscribed Capital, 240,0001.
Tbi; Society effects every description it Life Assurance, both Do-
mestic and Foreign, rtt most advantageous terms, either on the Bonus
on Non-Bonus s 3 stems.
Tables of Rate!, With all Aixther particulars, may be obtained at
the Cece. Di, filkIVA.lll)
cptary.

NATIONAL LOAN FUND LIFE AND
EQUITABLE FIRE INSURANCE COMPANIES
26, CORNHILL, LONDON.

DIRECTORS.
t*T. LAMIE MURRAY, Esq., Chairman.
*W. A. B. Bennett, Esq. *John Rawson, Esq.
•Hugh Croft, Esq. *Jahn Shaw, Esq.
tElliotson, M.D„ F.R.S. t*Edmund S. Symes, Esq.
*Rai ph Gough, Esq. ftGlement Tabor, Esq.
*M. C. Maher, Esq. t Joseph Thompson, Esq.
•John Moes, Esq. rAugustus Vigne, Esq•
AUDITOR.
tricifersor Wheat tone, P.R.S.
7J. Elliotson, M.D„ I*.R.S„ 37, Conduit-street.
SUMMON.
PE. S. Symes, Esq., 77, Grosvenor-street, Grosvenor-square.
ACTUARY.
i*W. S. B. Woolhause, Esq., F.R.A.S., &o.
BECRETART.
*D. T. Lyons Clanehy, Esq.
SUPERINTENDENT.
t'W. A. Hawkins, Esq.
BANKERS.

Mews. Glyn, HaWas, Mills, and Co., 67, Lombard-street.
sOLICITOES,

Mena. Sattan, Eweas, Oramanaciiiid Prudence, 6, Basinghall.
street.
• •W. Tatham, Esq., 22, Throgmorton-street.
NATIONAL LOAN FUND LIFE OFFICE.
CAPITAL-50M0d.

The WITHDRAWAL TABLE of the Society affords to the As-
sured the greatest possible present and prospective advantages that
can be conferred by Life Assurance. On this Table the Assured is
entitled, at any time, to receive at interest alt immediate advance,
to the extent of one-half the amount of the paid annual Premiums,
without security, personal liability, or deposit of the Policy, but by
simple endorsement thereon ; or the half Premium may be with-
held during the whole continuance of the Policy. Also, in the
event of the Assured at any time not requiring to continue the
Policy, en its surrender one-half of the annual payments will be
returned by the Society.

Lapsed Policies may be renewed without fine, en proof of health
and payment of arrears of Premium without interest.
Notices of Assignment of Policies registered and acknowledged,
so as to make them available as securities it the hands of
third parties.
Na Entrance Fees or any other charge beyond the Policy Stamp.
The present usual income of the Society from Premiums is
63,0001.; tile amount covered by the Policies of the Society is
1,781,5801.; and the reserved profit, applicable to future bonus to
the Assured, amounts to 82,4541. ss. 6d. At the last annual inves-
tigation, reported in May, 1850, the bonuses declared to the As-
sured were, the option of a return of 15 per cent. on their Premiums
in cash, or a reversionary addition to the original sum assured by
each Policy varying from 20 to 65 per cent.
EXAMPLES OF 'BONUSES ALREADY DECLARED.

Perms-
.l.4 Annual 'Polley Reims in nent Re-
Age . ci. r. Pre- taken addition Bonus in unction of
" 'a g mium. cut in to Sum Cash. Annual
,n Assured. Premium.
......--- -
2 s. d. X s d. £ s. d.
1 1837 292 6 9 139 16 9 22 13 1
1838 267 11 4 126 17 2 19 19 7
1839 241 18 6 113 17 7 17 8 8
2 2 s.d. 1840 193 12 6 93 16 8 14 010
60 1000,74 3 4 1841 189 12 6 89 510 13 811
1842 162 16 8 76 18 4 11 8 3
1843 115 10 10 55 10 10 8 110
1314 77 19 2 38 15 10 5 9 11
1845 66 15 0 44 10 0 4 10 1

Extensive Travelling Leave granted without extra Premium
Moderate extra Premium for Residence in Tropical Climates.
EQUITABLE FIRE OFFICE.
Capital-500,0001.
(Incorporated under 7 and 8 Yid., cap. 110.)
The leading principles of this Office are—Moderate and equitable
Rates of Premium for each class of risk—Annual division of Profits.
The difficulty of collecting the elements on which to proportion
eremium to risk in Insurance against Loss by Fire has been so
great, that tile rates at present charged are more the result of guess
than calculation.
It has been found by experience, that the total annual losses of the
different Established Companies have not been proportionate to the
amount of annual Premiums received by each.
It is of the highest importance, both to the Insured and Insurers,
that such an anomaly should cease, and an approximation to the
true rids be made. To secure this object the Equitable Fire Insu-
rance Company is established.
the true rate of Premium for Fire Insurance can only be ap-
?reached through Classification and Average, which has not hitherto
been sufficiently acted on, or systematically applied.
Whatever be the nominal rate, the bonus or return periodically to
the Insured will determine the true Premium equitably payable, as
security against loss for so great a calamity as fire, and the Insurer
is largely interested in this question, and will consult his interest by
supporting a system where, by a careful combination of Classifica-
tion and Average, the Premium will be proportioned to the risk.
The Equitable Fire Ofice will, by a constant analysis of its own
experience, from time to thee, adopt such rates of Premium as the
aature of the risk may justify, and will decline to enter into arrange-
ments as regards tariffs with other offices.
With this view an annual investigation will be made into each
class of risk, and a return of one moiety, or fitly per cent. of the nett
excess will be made to all classes of Insurers whose Policies have
eeen in force for three years.
Insurances against Loss by Fire are effected by this Company upon
every description of Property on moderate terms.
Farming Stock insured at as. per cent, without the Average Clause.
Prospectuses, and every information may be obtained, on applica-
tion at the Office, or to any of its Agents.

t National Loan Fund Life Assurance Society.
* Equitable Fire.
t* Both Offices.

CATHOLIC LAW AND GENERAL LIFE
ASSURANCE COMPANY,
NEW COVENTRY-STREET, LEICESTER-SQUARE, LONDON.
The FOURTEI ANNUAL GENERAL MEETING of the Proprie-
tors of this Company took place on the 25th instant, at the Head
Office, at One o'clock precisely. The following is extracted from the
repert, which is too lengthy for publication :
During the past year no claims have arisen from deaths in England.
and but two in Ireland—one for 5001. and the other for 2801.—making
together 7001., which have been paid. This is far below the expected
mortality, and is especially favourable, when it is -remembered how
.everely the life offices generally suffered from the epidemic of last
year.
The number of lives assured between the Ist of June, 1249, and
the 31st of Slay, 1850, was more than double the number issued in
the twelve months preceding.

Proposalswere made for 138 Policies, amounting to 52,9631.25. 6d.:
of these 123, comprising 106 lives, were accepted for 45,1251. 6s.
Sixteen Policies lapsed, representing 6,0481., upon which 3201. 3e.
was received by the Company in the shape of premiums.
Since the commencement of the Company to the Ist of June last,
assurances were effected to the extent of 110,9721. 125 6d., pro-
ducing in annual premiums 3,7321. 11s. 6d. Of these 54 lapsed,
mounting to 23,990/. 16s. 6d., of which the annual premiums were
7411. is., leaving the yearly income on the Ist of June last equal to
2,9911. 15s. I Id.
;Mee last meeting loans were applied for to the extent of 17,7001.,
but 1,1831. lls. 10e1. only was advanced.
The Directors were also highly gratified to report that within the
last four months they had considerably extended their business on
the Continent, having appointed, as Head Agent in France, Monsieur
de l'Etang, a gentleman of high standing in Paris, distinguished for
his integrity and ability in financial and in all assurance matters,
who, under the sanction and patronage of the Archbishop of Paris,
the Cardinal Archbishop of Lyons, and Monseigneur ramie, Eveque
de Langres, has already within the last three months effected a con-
siderable amount of business, not only in Life Assurances, but in An-
nuities both Immediate and Deferred.
After various resolutions, approving of the Report, and returning
thanks to the Right Reverend Chairman, Bishop Morris, the Vice-
Chairman, Actuary, Secretary, and Medical Officers of the establish-
ment, the meeting separated, highly gratified at its present results
and futare prospects.

ALL POLICIES INDISPUTABLE.
ENGLISH AND CAMBRIAN ASSUR-
ANCE SOCIETY,
For Life Annuities, and Loans, and for Perpetuating Leasehold and

Copyhold Property.
Chief Office-9, NEW URIDGE-STREET, Blackfriars, London.
" Declined" Lives taken at equitable rates.
Life Policies "indisputable" and not liable to forfeiture.
Policies of nye years' standing not void in cases of suicide.
Policies granted from '2Ol. to 5,0091.
Special tables to suit the working classes, tc whom the advantages
of Life Assurance are at present almost wholly unknown.

Medical men remunerated in all eases.
Immediate, survivorship, and deferred annuities and endowments
granted, and every other description of risk contingent on human
life.
Loans granted on undoubted security of every description, upon
more advantageous terms ti the borrower than in any other office,
and at one-half the customary charges. If on personal security
the sureties must be resident in or near London.
Claims payable three months after satisfactory proof of death.
Prospectuses and any further information may be obtained from
the Manager.

C. W. BEVAN. Resident Manager.

LA W LIFE ASSURANCE SOCIETY,
Fleet-street, next St. Dunstan's Church,
March 14, 1851.

Notice is hereby given, that the Looks for Transferring Shares in
this Society will be Closed on Thursday, the 20th instant, and will be
Its-opened on Thursday, the 10th day of April next. The Dividends
for the year 1850 will be Payable on Monday, the 7th day of April
next, and on any subsequent day (Tuesdays excepted) between the
hours of Ten and Three o'clock.
By order of the Directors,
WILLIAM SAMUEL DOWNES, Actuary.

N.B. Policies for the whole term of life effected during the present
year will participate In the profits to he declared to the end of 1854.

NOTICE.
ROYAL POLYTECHNIC INSTITUTION.
DEPOSITORS are respectfully invited to forward their
work s before the 12th inst., that they may be numbered In the NEW
EDITION of the CATALOGUE, free of expense.
The INSTITUTI N is now CLOSED, but will be RE-OPENED
on EASTER MONDAY.

It. I. LONGBOTTOM. Secretary.

LAURENT'S GRAND CASINO,
Licensed by Act of Parliament.
ARGYLL ROOMS, GREAT WINDMILL-
STREET, ST. JAMES'S.
(Sole Lessee, Charles Emile Laurent, jun., 57, Brompton-square.)
OPEN EVERY EVENING,
With LAURENT'S UNRIVALLED BAND.
Principal Cornet-a-Pistons, M. Boulcottrt.
Doors open at Half-past Eight o'clock—Dancing to commence at
Nine and terminate at Half-pact Eleven o'clock precisely.

NOTICE.
MRS. TROLLOPE'S NEW NOVEL,
MRS.
SECOND LOVE ; or, BEAUTY and INTELLECT,

In 3 vols.,
IS NOW READY AT ALL THE LIBRARIES.
Henry Colburn, Publisher, 13, Great Marlborough-street.

Next week will be published in Bvo.
ETTERS to JOHN BULL, Esq.,
T on Affairs
AA connected with his Landed Property, and the Persons who
'By Sir EDWARD RUINER LITTON, Bart.'
London.: Chapman and Ha 11,193, Piccadilly.'

THE GENERAL REGISTRY BILL.
Just putilished, price Is. stitched,
CIBSERVATIONS on the GENERAL RE-
GISTRY BILL, with Suggestions hi favour of Local Registers.
By A COUNTRY SOLICITOR.
S. Sweet, 1, Chancery-lane.

NERVOUS AFFECTIONS ;
Just published, is Byo., cloth lettered, 35., post free, 3s. 6d.,
being a few Ob-
servations on Nervous-Disorders, the result of an extensive
experience in the treatment of those diseases ; with soma remarks on
the Use and Abuse of Itydropathy.
By RICHARD DAWSON, M.D. .
Fatra Licentiate of the !loyal Colle n of Physicians, London ;
Member 4,f the Royal College of6Surgeons of England.
London: Aylott and Jones, 8, paternoster-row.

DR. C ULVERWELL'S NEW WORKS.
To be had of Sherwood, 23, Paternoster-rew ; Carvalho;
'4l, .Moot-street; Mann, 39, Cornhill; or direct frem the anther
Mice One Shilling each; by post, L. 6d.

ENJOYMENT OF LIFE.
"Reath, Recreation, and rational trse of Time."
Corrurrs:—Early Rising—Spring and 11 =mar Mornings—En.
Mrsions about the Environs of London—The Parks, Lanes, Hills,
forests, Fields, High-roads, and other pleasant places—Country
trips and Rambles—The Sea—London at Night—Evening. at Home
—Music—The Drama—On Eating, Drinking, Bleeping, Bathing, Air,
t-st, Ease, Occupation, &e., &o. •

FRAGMENTS FROM Tag MOUNTAINS. Two Vols.
V
A VISIT TO THE LARICS;aTCH:OF EDINBURGH, lbo.

11.
LAKPA 01 KILLARKEY.; IMILNISOENCES* OP
DUBLIN, &a.
WHAT TO EAT, DRINK, AND AVOID.
" That three store years and ten oar course may run."
A papular review of almost every form (cause and cure) of ner-
vously-debilitated health and enfeebled constitution, that harasses
the young, besets the man of pleasure, business, er study, and em-
bitters old age, with tables and rules ihr the diet and physical rept-
*lion of every-day life.

IV.
THE PASSIONS.
!' What passions hurt the body—what imprOVO.
Truths as refined as Athens ever heard."

SUBJECT 77Life'"--s pilgrimage, from infancy to old age. The advent
otthe passions. Chastity and its infringements. The casnaltic3 of
licentiousness and dissipation, with illustrations, graphic, narrative,
and remediative. Advocacy of early marriages.;

TUE MARRIAGE STATE.
" To be or not to ho, that is the question."

. _
I noon/min :—Laws and obligations of nature, society, and re-
dclon regal-Hag marriage, to be observed by either sex. Time and
:beim, on both sides, as to age, temperament, complexion, and
Ig-ere, to secure healthy offspring, with the art of rearing them.
Physical defectiveness and its removal. Sterility and its conversion.
Ones, too.
By T. d. CITLVEIRWELL, M.D. (1841), 22.11.C.5. (1827), L.B.A.
1834). Twenty-five years Medical and icrensic Referee in these
"...ow& we/piton hears laity till sv* Itvanings. seven till nine.
10 Argyll-place. itorent-street.

SPORTING INTELLIGENCE.
EPSOM RACES.-YESTERDAY.

That the legitimate portion of the Spring Meeting was
likely to prove the most attractive must have been gathered
from our outline of the engagements published on Thursday,
and in no respect did it disappoint us ; the prizes were rich,
varied, and important, the fields large, and the sport really
first rate. The reduction of the bonus to the Metropolitan
Handicap from 5001. to 3501., and the appropriation of the
amount withdrawn to the establishment of the City and
Suburban Handicap, was a well-judged alteration; and if
another 501. had been taken off and added to the Two 3,78 old
Stakes, the programme would have been unexceptionable.
Taking it altogether, however, Air. Dorling showed great
zeal and liberality in his catering, and is deserving of all
praise. While raising the value and character of the
stakes, be has not been: unmindful of details ; heats
were abolished, and sufficient time was taken yesterday
between the different events to enable the company to
enjoy the sport—an impossibility with half-hour intervals—
and still keep them long enough on the course to prevent
grumbling from the boot'nkeepers. He has provided in-
creased accommodation in the Grand Stand, by adding a
wing at the extremity, with seats sloping to the lawn, and
capable of holding about 150 persons. The old passage
from the corner of the enclosure to the offices has been closed
up, and a flight of steps erected in the rear of the Jockey
Club Stand. Mr. D. has also won the hearts of the jockies
by providing them with an enclosed passage from the weigh-
ing room to the course, thereby relieving them from the
annoyance they have hitherto experienced in returning
to scale. .

We are glad to find that the march of improvement is not
to atop in the spring. Several new and important plates,&c.,
have been announced for the greater meeting in May, which
promises to be an " Exhibition" worthy of the year and of
the locality. _

We may conclude this portion of our preliminary remarks
by stating that the offices of judge, starter, and clerk of the
scales, were ably filled by Mr. Clark, Mr. Hibburd, and Mr.
Manning; and that all business matters on the course, the
cards alone excepted, wore punctually and efficiently per-
formed.

The weather, doubtful in the morning, turned out clear
and mild ; trains were started as rapidly as safety and the
occasion required, and an immense assemblage was collected
on the Downs; it included many of the racing influentials,
but lacked one who for nearly half a century was one of the
pillars of the turf, and of whom the Epsom people will long
retain a grateful recollection—we mean Sir Gilbert Heath.
cote, who, in his dress, manner, and habits, realised the most
approvei conception of the English country gentleman. The
Stewards' Stand, tolerated only out of respect to Sir Gilbert,
was closed, and will, we trust, be removed—it impedes the
view of the start for the Derby, and is in every sense an eye-
sore. The racing, as we have before observed, was excellent ;
and gratifying as it must have been to the spectators, it
could not have been otherwise to the " professionals," the
favourites for all the great races having " thrown out." It
is singular that The Ban was not merely altogether out of
the betting, but that his name did not even appear on the
cards ! Hesse Homburgh'a friends fancy that she would have
been near winning had she not broken away with her jockey
after cantering, and run a considerable distance before the lad
could pull her up; her position at the finish made her first
favourite for the Newmarket Handicap. The racing com-
menced a few minutes after one, and, time having been ob-
served with considerable punctuality, was brought to a close
shortly after five. We subjoin details:—
Epsom Trial Stakes of 5 sovs. each, with 60 added; three
yrs old, 7st, and four, 9st. One mile. (11 Subs.)
Major Martyn's The Swede, 4 yrs (W. Abdale) 1
Mr. Hayter s Terpsichore, 3 yrs (H. Goater) 2
Mr. Bloomfield's Simplicity, 3 yrs (Hiett) 3
Mr. S. Herbert's cby Sir Hercules, 3 yrs (G. Mann) 0
Major Pitt's Edward of York, 3 yrs (W. Sharpe) 0
Mr. J. S. Douglas's Irene, 3 yrs (Abrahams) 0
Mr. Glen's Duster, 3 yrs (Burns) 0
Betting-2 to 1 agst The Swede, 3to 1 agst Simplicity,
and 4 to 1 agst Irene. The lot got away in a cluster, and,
with Simplicity a trifle in advance, ran in close order to the
distance; from this point to the end the race was left to The
Swede, Terpsichore, and Simplicity, the former obtaining
the lead opposite the Stand, and winning cleverly by a length.
Run in 1 min. 59 secs.

The City and Suburban Handicap of 15 soya.' each, 10 ft,
and only 5 if declared, with 150 added; the second to re-
ceive 25 sovs. out of the stakes. The winner of any han-
dicap of 200 sovs, value, after the weights are declared, to
carry 51b extra; of two such races or more, 101 b extra.
The winner to pay 10 guineas to the Licensed Victuallers'
Protection Society. Last mile and a quarter of the New
Derby Course. (51 Subs., 23 of whom declared.)
Lord Eglinton's Elthiron, 5 yrs, Bst 51b (Marlow) 1
Mr. Carew's Eva, 5 yrs, 6st 91b (W. Sharpe) 2
Mr. J. Arnold's Pitsford, 4 yrs, Bst 51b .(A. Day) 3
Major Martyn's The Swede, 4 yrs, ist 101 b (W. Abdale) 0
Mr. Walters's Maid of Team Valley, 5 yrs ...(M. Noble) 0
Mr. Drinkald's Dulcet, aged, ist .
Lord J. Scott's Windhound, 4 yrs, Est 1 elb .. (Charlton) 0
Mr. Burgess's Handsome Doe, 4 yrs, Est 91b ..... .(Burns) 0
Mr. C. Formby's Teeswater, 4 yrs, Est 91b (Watkins) 0
Count Batthyany's Castanero, 4 yrs, Est 41b ( Hiett) 0
Mr. C. Brington, 4 yrs, Est 41b .... (G Mann) 0
Lord H. G. Lennox's Theorem, 3 yrs, sst (Darby) 0
Mr. S. Herbert's cby Sir Hercules, out of Empress, 3
yra, sst (carried sst 51b) (W. Harlock) 0
Lord Strathmore's The Incurable, 3 yrs, 4st 131 b (in-
cluding 51b extra)
ar. Winch's Zadoe, 4 yrs, ist -(Robert Sherwood) 0
Mr. Stevens's Britannia, 3 yrs, tat 21b (Kendall) 0
Betting— 3 t) 1 agst The Incurable, 4 to 1 agst the Em-
press colt, 6 to 1 apt the Maid of Team Valley, 6 to 1 agst
Dulcet, 7 to 1 agst Windhound, and 8 to 1 agst Elthiron.
Britannia made the running, followed closely by Handsome
Doe, the Empress colt, Incurable, Elthiron, and The Swede
lying in the centre ; and Pitsford, Maid of Team Valley,
Brington, and Castanero in the rear. Except that Pitsford,
Eva, Elthiron, and Maid of Team Valley, began creeping
towards the front from the turn, there was no change till
they got to the road ; here Maid of Team Valley took the
lead, and, having disposed of Britannia, Incurable, and the
Empress colt, was joined at the stand by Elthiron, Eva, The
Swede, and Pitsford. A few strides from home Elthiron and
Eva went in front, and made a brilliant finish, the horse win-
ning by a head ; Pitsford a very good third, with Maid of
Team Valley at his side. Run in 2 min. 25 secs.
The Two Years Old Stakes of 10 sovs. each, with 25 added;
colt., Bst 61b; fillies, Bst 41b; the second, to save his stake.
Half-a-mile. (21 Saba.)
Mr. Gratwicke's Flirt (KitchenerN
_ „

Mr. W. Edward's The Old Lad (If. Edwards
Mr. Russell's Prince Rupert .Whitehouse
Count Battbyany's Queen Bee ...(Robt. Sherwood
Mr. Carew's Little John
Mr. F. Clarke's Sabra (Rogers
Mr. C. Dorrien's Carinetta (Ducker
Mr. W. Etwall's fby Slane out of Pelerine ...... ..(Sly
Mr. Greville's Chaffineh (Dockeray

Mr. Higgins's Apostate (Crouch) 0
Mr. Payne's Freedom
kr. B. Way's Miss Conyngb am ..... . ..... . ..... (A. Day) 0
Betting-2 to 1 agst The Old Lad, sto 2 agst Sabra, 4
to 1 agst Prince Rupert, 5 to 1 agst Freedom, and 6 to agst
Flirt. Flirt, Prince Rupert, and the Old Lad, were in front
from first to last, Flirt who went the fastest, and had the
race in hand all the way, taking the lead half-way up the
distance, and winning in a canter by a length, The Old
Lad beating Prince Rupert by two lengths. Queen Bee
fell early in the race and threw her rider, who escaped with
a few bruises. Run in 53 sec.

The Great Metropolitan Stakes of 25 soy:, each, 15 ft, and
5 only if declared, with 350 added. The second to re-
ceive 50 Bove. out of the stakes, winners extra. The winner
to pay 30 sovs. towards expenses, and 10 gs. to the Li-
censed Victuallers' School, and 10 gs. to the Licensed
Victuallers' Asylum. Two miles and a quarter. (102
Subs., 58 of whom declared.)
Sir J. Hawley's The Ban, 3 yrs, sst 41b (T. Smith) 1
Mr. Gratwick's Hesse Homburg, 3 yrs, 4st 101 b (Chilman) 2
Lord Eglinton's Cnseus, 3 yrs, Bst 81b
Mr. Payne's Glance, 5 s rs, Bst Sib
Mr. E. 2. Clarke's Old Dan Tucker, Bst 21b (Dockeray) 0
Mr. Meiklam's Snowstorm, 5 yrs, 7st 91b (G. Oates) 0
Mr. Meiklam's Raby, 5 yrs, 7st 71b
Mr. Burgess's (Edipus, 5 yrs, fist 121 b
Mr. S. Beeton's Brother to Dough, 4 yrs, 6st 1010(Cowley) 0
Mr. Carew's Agis, 6 yrs, 6st 81b (W. Sharp) 0
Mr. Parr's Selina, 5 yrs, fist 411) (Charlton) 0
Count Batthyany's Valentine, 4 yrs, Est 31b (including
51b extra) (T. Sherwood) 0
Mr. S. Herbert's Kathleen, 4 yrs, Est 91b (G. Mann) 0
Lord Strathmore's Sunrise, sst 11b (51b extra) ...(Wells) 0
Mr. Magenis's Ingratitude, 3 yrs, 4st 61b .(Luff) 0
Betting-7 to 2 agst Sunrise, 4to 1 agst Covens, 10 to 1
each agst Agis and Old Dan Tucker, and 12 to 1 agst Glance,
Selina, Hesse Homburg, and Valentine. Hesse Homburg
took the lead immediately after starting, followed by Selina,
Valentine, Sunrise, and a bevy of light weights, in the rear
lying Glauca and The Ban. Except that the two leading
horses materially increased the space betwixt themselves and
their followers, there was no change of any moment until
they came to the mile post; here Cmeus and The Ban drew
forward, and gradually increasing their positions were second
and third at the road, Sunrise and Selina following them.
At the distance The Ban went up to Hesse Homburg, de-
prived her of the lead, and won easily by two lengths,
Hesse Homburg passing the chair three lengths in advance
of Ur mus ; Selina a bad fourth, Sunrise fifth. Run in 4 min.
21 sec. It is rather singular that The Ban was left out of
the card altogether.
The Railway Plate of 50 sous. (handicap), for all ages.
Three-quarters of a mile.
Mr. Ileyter's Terpsichore, 3 yrs, Est 61b (Cowley)
1
Mr. Drinkald's Thornhill, 5 yrs, Bst 71b. (Rodney) 2
Mr. Greville's Constance, 3 yrs. Est 1210 ......(Charlton)
Mr. Carew's Escape, 6 yrs, Bst 71b ...... ...(Flatman)
Mr. Walter's Crystal Palace, aged, Bst 71b ........(Tent) 00
Count Batthyany's Mogador, aged, Bst 21b (R.Sherwood)
Mr. Kilt n's Ferule, 5 yrs, Bst 21b . (that 0
Mr. Thorp's Forest Flower, 6 yrs, 7st 131 b ...(Dock.er_ay,
00
Mr. S. Douglas's Cora, 4 yrs, 7st 101b.........(Abranam')
uLrynes))
00
Mr. Drew's Lady Frances, 6 yrs, 7st 81b .....
Mr. C. LUcy's Marquis of Conyngham, 7st
..(C.erMrwouaoncohnd))) 00
Mr. Higgins's Ondine, 4 yrs, let 81b ..........
Kitchener) 0
Torpor, and 5°
Beeton's Grist, 6 yrs, 7st 71b .........
Lord Clifden's Torpor, 4 yrs, 7st 410 . ................
Mr. Norcroft's St. Patrick, 3 yrs, 6st t .... .
Coons an:c:(eS,Ghand Betting-2 to 1 agst Constance,
to 1 agst Terpsichore. Terpsichore,
e• d, the
Thorn-
hill laid together in front fromfistawnitanonGlianrsigts,tbaynldaemhuapda.e anruen-
markably close finish, Terpsichore
:with 25 added;cos three yrs
six and aged, 9st 1310 ;
is
na same embrie,e
sees.tbe second
fit:sec:
e,tasetthr9l b
The Selling Stakes of 3 sous.
allowed 31b; wieners extra. The
moldar,eBssta;nfdourg,e9sdtiv2glbs;
winner to be sold for 150 sow., and allowances if for less.
MrO.nDeena'tillie's. F(erln6aSnducb:4) yrs, Set Slb. (801) (W. Abdale) 1
3 h:Yrb, 81sstt 56:Lb ( 800
(800 ......(Cowley) 2
orns just.
1111Itrr.. Bileewtoanrl:3a IG4arLitl,io6n, yrs, Bst 1010 (300 (II -b .• • ) 0
...(S Rogers) 0
Copt.
Clifden'speln or p Rosewood,r, 4yr s , Bst 210 (SO/) ........(Pearl) 0
Mr. Mageniss Zeg:ri, 3 yrs, ist (30l) (Rodney) 0
Mr. S. Herbert's cby Slane, 3 yrs, 7st (3 1)-4G. Mann) 0
Mr. Higgins's Ondine, 4 yrs, ist 1310 (300 (Crouch) 0
Mr. Carew's Bullfinch, 4 yrs, Bst 21b (301) ...Dockeray) 0
Mr. Drew's Mv.rlbrook, Sat 61b (301) ...Robt. Sherwood) 0
Mr. Greville's diligence, 5 yrs, 7st 1310 (30l) Flatman) 0
Count Batthyany's Mogador, Bst 10Ib (30/) (Ducker) 0
Betting— 2 to 1 agst Diligence, 4 to 1 agst Bullfinch, and
4to 1 agst Fernando. Won easily by two lengths.
LATEST BETTING ON THE COURSE.
NEWMARKET HANDICAP.
sto 1 agst Hesse Homburg I 6 to 1 agst Windiscbgratz.

DERBY.
],OOO to 100 ag“ Sir Joseph limyley's lot—(taken).

[PRICE SD.

Several inquiries after Newminster for the Two Thousand
Guineas Stakes and Derby, but no business done.
CATTERICK-BRIDGE RACES.--THUaSDAY•
The Brough Stakes of 10 sovs. each, 5 ft, with 20 added;
three yrs old, 7st 101 b; four, Bst 31b; five, Bst 91b; six
and aged, 9q.; mares and geldings allowed 31b. One mile
and a quarter.
Mr. Ewbank's England's Glory. 3 yrs (lrvine) 1
Lord Zetland's Radulphus, aged ...
....... (J. Marson) 2
Mr. Dawson's Tightwaist, 3 yrs .... . ....... ..(Chariton) 3
Mr. Thompson's Gracilla, 3 yrs
Won in a canter by four lengths.
First year of the Third Easby Triennial Produce Stakes of
10 sovs. each, h ft; for two yrs old colts, Bst 71b; fillies,
Bst 31b; the second to save his stake, and the winner to
pay 5 sovs. towards expenses.
Mr. J. Scott's Songstress (G. Simpson) I
Lord Zetland's Ladybird......: ......... (J. Marson) 2
Mr. Meikiam's Evadne..— (Templeman) 3
Lord Eglinton's The Sheltie (Cartwright) 4
Mr. J. Robinson's Agnes Wickfield (G. Abdale) 0
Won by neck ; a head between second and third.
Third year of tt e First Triennial Produce Stakes of 10 sovs.
each, 5 ft; for four yrs old, colts, Bst 71b; fillies, Bst 31b;
the second to save his stake ; and the winner to pay 5 soya.
towards expenses. Two miles.
Mr. Meiklam's The Italian ......» ....ITempleman) 1
Mr. J. Gill's .sculapins ( Wintringham) 2
Mr. A. Johnstone's Bro to Executor (J. Marmon) 3
Won in a canter by three lengths; a length between the
second and third.

Second. year of the Second Triennial Stakes of 10 sow.
each. (21 Subs.)
Mr. Wilkinson's Neashana ...... ..(Templeman) 1
Mr. J. Scott's Presto
Lord Glasgow's cby Don John ..... (Cartwright) 3
Mr. T. Dawson's British Boy .. (Longstaff) 4
Mr. Wintringham's Prudery ...... ......(Wintringham) 5
Betting-6 to 4on Neasham. Won by two lengths.
The Revival Handicap of 20 soya. each, h ft, &c. Two miles.
Mr. J. Scott's Mulgrave, 4 'rs,. 7st 1
Mr. Davidson's Fleur-de-Seine, 6 yrs, at 91b,......(0ate5) 2
Mr. T. Dawson's The Magnet, aged, 7st 81b...(Johnson) 3
Won easy.
The Filly Stakes of 15 sous. each, 10 ft. Mile and a-half.
(4 Subs.)

Mr. Hesseltine's "Unity (Longstsff) 1
Mr. Pedley's Paquetta (Templeman) 2
Won cleverly.
FRIDAY.
Claret Stakes.
__

Gholab Singh
Gold Cup.

_
Lady I-am-off .....
Bran filly
The Shorts.

Brown filly by Fancy Boy
Negress
NEWMARKET CRAVEN MEETING.
The following are the present engagements for the ensuing
meeting; the usual plates, ice., will be added. We have
prefixed the asterisk not only to the horses now
at Newmarket, but to several which are on their road :