The Sun.
London, England, 1851-04-11 00:00:00

2 I I Perma-
.,; ~,; Annual Policy Bonus in vent Re-
Age. V, Pre- 'taken addition Bonne in duction of
. g mina. lout in to Sum Cask. Annual
ca I Assured. Premium.
-- - ---- -
X s. d. £ s d. X s. d.
1837 292 6 9 139 16 9
I 22 13 1
1838 267 11 4 126 17 2 19 It 7
1839 241 18 6 113 17 7 17 8 8
X S s.d. 1840 193 12 6 93 16 8 14 010
60 1000 74 8 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
1844 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 S Viet., cap. 110.)
The leading principles of this Office are—Moderate and eqrtitable
Rates of Premium for each class of risk—Annual division of Profits.
The difficulty of collecting the elements on which to proportion
Premium to risk in Insurance against Loss by Fire has been so
great, that the 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 risk 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-
proached 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 tree 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 Office will, by a constant analysis of its own
experience, from time to time, adopt such rates of Premium as the
nature 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 fifty per cent. of the aett
excess will be made to all classes of Insurers whose Policies have
been 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 3s. per cent, without the Average Clause.
Prospectuses, and every information may be obtained, on applica-
tion at the Office, or to airy of its Agents.

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

UNITED KING.

DOM LIFE ASSURANCE
COMPANY.
Act of Parilament in 1834.
1, London ; 57, George-street, Edinburgh;
Glasgow; 4, College• green, Dublin,
licies from March, 1834, to the 31st

Established by
8, Waterloo-place, Pall-mal
12, St. Vincent-place
....

The bonus added to pol
December, 1847, is as follov

REVOLUTION IN TRADE.
It is impossible to deny that the effect of free trade is to re-
duce the price of everything, to lessen the profits on all kinds of deal-
ing and manufacturing, much to the injury of all those who made no
provision for the change, and greatly to the advantage of all those
who anticipated the fall. by adopting the system of buying largely at
the cheapest Markets, and contenting themselves with small profits.
Messrs. E. MOSES and SON have conducted their immense Clothing
and Outfitting Establishments upon this system for some years,
sharing with the public the savings which their immense capital
enables them to effect in their purchases, and contenting themselves
with uniform but exceedingly small profits, by which system the best
articles in every department-of dress reach the public at a price which
in many instances scarcely equals the amount a purchaser would
have to pay for the material. The fact is, the price of cloth, which
at the manufactory is worth 15/., may become 201. in the wholesale
warehouse, 251. in the retail, and be sold at the rate of 351. before it
reaches the tailor, Ns ho has still to get his living profit. Messrs. E.
MOSES and SON arrest the price at the maker's, buy even cheaper
than the first price by taking large quantities, and buying cash, and
the public have the benefit of their savings.
The system adopted by E. MOSES and SON has always been the
same; their goods are marked with the lowest price that can be
taken, and this is never varied. Whether a ladies' cloak be 20a. or
305., the one is as well worth the price charged as the other ; the
gentleman's coat at 505. is as cheap at that price as the one is at
30s. and it is not too much to assert the lower priced articles are far
better, both in material and workmanship, than can be procured
elsewhere, or than any one would believe until inspected, while the
higher priced articles for ladies, gentlemen, and children equal the
very best that can be had at any cost, of the so-called fashionable
tradesmen, for Messrs. E. MOSES and SON yield to no one in their
command of the finest material that money can purchase, employing
the best workmen in the trade, securing the first artistes in cutting
out and superintending the work to the finish.
A handsome Almanac, for the year 1851, can be had gratis, on
application.
The new edition of "Everybody's Book, containing a Dill report
of the late important trial, may be had gratis, on application, or by
letter, post free.
E. MOSES and SON have no connexion with any other house In
or out of London, except the following :
London City Establishment, 151, 155, 156, and 157, Minories, 83,
-4, 85, and 86, Aldgate, opposite the Church, all communicating.
London West-end Branch, 506, 507, 508, New Oxford-street, 1,2,
tad 3, Hart-street, all communicating.
Bradford "Yorkshire" Branch, 19, Bridge-street.

Sheffield Branch, 36, Fargate.
Tailors, Clothiers, Hatters, Hosiers, Furriers, Boot and Shoe-
makers, and General Outfitters for Ladies and Gentlemen.
The Establishments are closed from sunset Friday to sunset Sa-
turday, when business is rAvraed till Twelve o'clock.
Ici ion panic FrariCaiSe. Qui /Si parla Italiano.
Hier spricht man Deutsch. Aqui se habla Espanol,

DR. CULVERWELL'S NEW WORKS.
To be had of Sherwood, 23, Paternoster-row ; Carvalho;
4i, Fleet-street; Mann, 39, Cornhill ; or direct frem the author ,
Nice One Shilling each ; by post, is. 6d.
ENJOYMENT OF LIFE.
"Ilelllh, Recreation, and rational Use of Time."
CorrErrrs:—Early Rising—Sprin and Summer Mornings—Ex-
,nrsions about the Environs of London—The Parks, Lanes, Hills,
Forests, Fields, High-roads, and other pleasant places—Country
Crlps and Rambles—The Sea—London at Night—Evening. at Home
—3lasio—TheDrania—On Eating, Drinking, Sleeping, Bathing, Air,
test, Ease, Occupation, &c., &o.
FRAGMENTS FROM THE MOUNTAINS. T 770 V 013..
Voll.
VISIT TO THE LANF,B;_SKETCH_OF EDINBURGH, roc.

4701. 11.

THE LAKES OF if..E.LITZL ARNEY ; REMMISOENCES orDLN,
HI.
WHAT TO EAT, DRINK, AND AVOID.
" That three score years and ten our course may ran."
A pspular review of almost every form (cause and cure) of ner-
vously-debilitated health and enfeebled constitution, that harasses
:he young, besets the man of pleasure, business, or study, and em.
Afters old age, with tables and rules for the diet and physical rep-
ation of every-day life.
IV.
THE PASSIONS.
" What passions hurt the body—what iMprOTL
Truths as refined as Athens ever heard."

kia.noT : -Life's pilgrimage, from infancy to old age. The advent
Ofthe passions. Chastity and its infringements. The casualties o.
Ocentiousness and dissipation, with illustrations, graphic, narrative,
and remedis.ll73. Advocacy of early marriages.:
V.

THE MARRIAGE STATE.
" To be or not to be, that 3s the question."
inoonkinim:—Laws and obligations of nature, society, and re-
tigien regarding marriage, to be observed by either sex. Time and
goie' both side - to temperament, complexion, and