The Sun.
London, England, 1850-12-28 00:00:00

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DIRECTORS.
t*T. LAMIE MURRAY, Esq., Chairman.
W. A. B. Bennett, Esq. John Rawson, Esq.
*Hugh Cl oft. Esq. *John Shaw, Esq.
tElliotson, M.D„ F.R.S. f*Edmand S. Symes, Esq
*Ralph Cough, Esq. t*Olement Tabor, Esq.
*M. C. Maher, Esq. t Joseph Thompson, Esq.
*John Moss, Esq. t*Augustus Vigne, Esq.
AUDITOR.
f Professor Wheatstone, F.R.S.
PHYSICIAN.
*J. Elliotson, M.D„ F.R.S„ 37, Conduit-street.
SURGEON.
14E. S. Symes, Esq., 77, Grosvenor-street, Grosvenor-square.
ACTUARY.
t 1 ;V. S. B. Woolhouse, Esq., F.R.A.S., Sec.
SECRETARY.
*D. T. Lyons Clanchy, Esq.
SUPERINTENDENT.
*W. A. Hawkins, Esq.
H AMUR&
t*Messrs. Glyn, Hall!fax, Mills, any'. Co., 67, Lombard-street.

;0 iOool

nnium
timates.

Extensive Travelling Leave granted without extra Pi
Moderate extra Premium for Residence in Tropical CI
EQUITABLE FIRE OFFICE.
Capital-500,010/.
(Incorporated under 7 and 8 Viet., cap. 110.)
The leading principles of this Office ars —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
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 ba made. To secure this object the Equitable Fire Insu-
cane? 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 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 Office will, by a constant analysis of its own
experience, from time to ti,-e, 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 investiga!ion will be made into each
class of risk, and a return of one moiety, or fifty per cent. of the nett
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 Pranerty 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 any of its Agents.

f Nati;nal Loan Fund Life Assurance Society.
* Equitable Fire
Vle Both Offices.

NATIONAL LOAN FUND LIFE ASSU
RACE SOCIETY,

26, CORNIIILL.

December 24, 1850.
Notice is hereby given, that the lIA.LF-YEARLY INTEREST at
the rate of 5 per Cent. per Annum on the CAPITAL STOCK of this
SOCIETY, doe on the 31st inst., will become PAYABLE on the 15th
January next, and Proprietors may receive the sante on application
at this Office, on that or any subsequent day, between the hours of
Eleven and Three o'clock.
By order of the Directors,
W. S. B. WOOLHOUSE, Actuary.

CHRISTMAS HOLIDAYS.
ROYAL POLYTECHNIC INSTITUTION
Lecture by Dr. Bachhoffner on Voltaic Electricity, in which
will be exhibited Allman's Patent Electric Light, on Tuesday and
Thursday at Nine. —Lecture by J. EL Pepper, Esq., on Fire and its
Antagonists, illustrated with brilliant Experiments.—New Lecture
by Mr. George Barker, entitled an English Christmas, Illustrated by
appropriate Ballads, composed expressly by him, and written by a
Lady of distinction, every Evening (except Saturday) at Elgnt
o'clock.—Model of Westor.'s Patent Nova-Motive Railway, at work
daily.--Exhibition of the Oxy-Hydrogen Microscope.—Entirely New
Series of Dissolving Vie-.vs, illustrating some of the Royal Residences
of Europe.—Diver and Diving-bell, &c., &c.
Admission, Is.—Schools, Half-price.
Open daily from Eleven till Five o'clock, and every Evening (ex-
-opt Saturday) from Seven till Half-past Ten.

SEASONABLE PRESE NTS
At this festive period of the year, when friends and lovers as-
semble at the social board, or join in the mazes of the dance, a more
than usual anxiety is created for Personal Attraction, and the fol-
lowing unrivalled discoveries for the Toilet are called into increased
requisition, namely—
ROWLANDS' MACASSAR OIL,

for creating and sustaining a luxuriant head of haii;
ROWLANDS' KALYDOR,
• • -

for rendering the skin soft, fair, and blooming; and
ROWE, &NOS' °DONT°, OR PfLin DENTIFRICE,

for Imparting a pearl like whiteness to the Teeth.
The patronage of Royalty throughout Europe, and the high appre-
ciation by rank and fashion, with the well-known infallible efficacy
of these articles, give them a celebrity unparalleled, and render them
a peculiarly Elegant and Seasonable Present.
s.* Beware of Spurious Imitations. The only genuine of each
bears the name of " ROWLANDS' " prece,ling that of7the article on
the wrapper or label. Sold by them at 20, Hatton-garden, London,
and by Chemists and Perfumers.

R. CULVERWELL'S NEW WORKS.
To be had of Sherwood, 23, Paternoster-row ; Carvalho;
47, Fleet-street; Mann, 39, Cornhlll ; or direct from the author,
price Ono Shilling each ; by post, Is. Gd.
ENJOYMENT OF LIFE.
"Health, Recreation, and rational Use of Time."
. _

CoNmsrs:—Early Rising—Spring and Summer Mornings—Ex-
cursions about the Environs of London—The Parks, Lanes, Mlle,
Forests, Fields, High-roads, and other pleasant places—Country
rrip3 and Ramtles—The Sea—London at Night—Evening. at Home
—Music—The Drama—On Eating, Drinking, Sleeping, Bathing, Air,
lest, Ease, Occupation, &c., &c.
H.

FRAGMENTS FROM THE MOUNTAINS. Two Vols.
Vol I.

A, MIT TO THE LAKES;SKETCH:OF EDINBURGH, &c.

Vol. 11.

tidE LAKES OF KILLARNEY; REMINISCENCES OF
DUBLIN, Itc.
WHAT TO EAT, DRINK, AND AVOID.
"That three score years and ten our course may ran."
A popular review of almost every form (cause and cure) of ner-
trously-debilitated health and enfeebled constitution, that harasses
he young, besets the man of pleasure, business, or study, and em-
'liters old age, with tables and rules for the diet and physical rega-
-1 Ilion of every-day life.

IV.
THE PASSIONS.
" What passions hurt the body—what improve,
Truths as refined as Athens ever heard."

11,1311.1ECT : -Life's pilgrimage, from infancy to old age. The advent
t*the passions. Chastity and its infringements. The casualties of
licentiousness and dissipation, with illustrations, graphic, narrative,
and remodiative. Advocacy of early marriages.
V.

. _
THE MARRIAGE STATE.
" To be or not to be, that is the question."
PEOGRAMMZ :—Laws and obligations of nature, society, and re-
%ion regarding marriage, to be observed by either sex. Time and
thoice, on both skies, as to age, temperament, complexion, and
figure, to secure healthy offispring, with the art of rearing them.
Physical defectiveness and its removal. Sterility and its conversion.
Oases, tkc.

By R. J. CULVERWELL, M.D. (1841), M.R.C.S. (1827), L.S.A.
J 824). Twenty-five years Medical &nd Forensic Referee in these
otters. Reception hours daily till dm Evenings, Wen till 11113.
0 Argyll-1)1400, Rtifient-streek

Ware, M., Esq.
Ware, Rev. J. -
Walker, Rev. W. J.
Warren, Rev. T. A.
,Wood, Rev. H. -
Walwyn, Mr. and Mrs. - 1 0 0
atinued in future adyert!sements.

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

SOLICITORS,
tMessrs. Sutton, Ewens, Ommanney and Prudence, 6, Basinghall-
street.
*W. Tatham, Esq., 22, Throgmorton-street.
NATIONAL LOAN FUND LIFE OFFICE.
CAPITAL-500,0001
The WITHDRAWAL TABLE of the Society affords to the As-
sured the greatest possible present and prospective advantages that
can he conferred by Life Assurance. On this Tab.e the Assured is
entitled, at any time, to receive at interest an 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 cositinuince of the Policy. Also, in the
event of the Assured at any time not requiring to continue the
Policy, on its surrender one-half of the annual payments wit be
returned by the Society.

Lapsed Policies may be renewed without fine, on proof of health
and payment of arrears of Premium without interest.
Notices of Assignment of Policies registered and acknowledged,
so as to mike them available as securities hi the hands of
third parties.

No Entrance Fees or any other charge beyond the Policy Stamp.
The present annual income of the Society from Premiums is
63,0001.; the amount covered by the Policies of the Society is
1,781,53)6.; 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.

..,.. .
Perma-
knnual Polley Bonus in uent Re-
Pre- taken addition Bonus in duction of
"alum. out in to Stun Cash. Annual
Assured. Premium.
£ s. 4. £ s d. £ P. d.
1 1837 292 6 9 133 16 9 22 13 1
1838 267 11 4 126 17 2 19 19 7
1839 281 18 6 113 17 7 17 8 8
.€ sal. I 1810 193 12 6 93 16 8 14 010
74 331 1341 189 12 6 89 5 10 13 8 11
I 1842 162 16 8 76 18 4 11 8 3
11843 115 10 10 55 10 10 81 10
1844 77 19 2 38 15 10 5 9 11
l 1845 66 15 0 44 10 0 410 1
ye Travelling Leave granted without extra Premium