Star.
London, England, 1824-08-10 00:00:00

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It: • •

• hiiol t ,ti9t:j7

S

EAST INDIA HOUSE, July 14, 1824.
rIIHE COURT of DIRECTORS of the UNITED
cOMPANT q MERCHANTS if ENGLAND Mid* tc
.5, Fin. INDIES, rte hereby give Notice,
'p the Court will be ready to receive Proposals, in writing)
on or before WEDNESDAY, the 11th Auguatnett, for the litre,
scr a fut tiler ;umiak of Voyages, of such Skips of the burthen of
frrn 950 to 1,000 Tons, and also of 1,200 Tons end upwards,
meesureinent, as have performed tear contracted num-
ber of Six or Seven Voyages in the Company's Service.
The Court of Directors hereby further give notice, that the
Court will be ready to receive Proposals, iu writing, on or before
WEDNESDAY, the 11th August next, from the Owners of Ships
1.,f the buirtheo of Ib Tins and upwards, registered meaourement,
,peeifying the rate of Freight at which they may be willing to Let
such Shiperoe One Voyage, to and from Mimi, in the Company's

set rke.
The Tenders, with the words " Ship Tender" on the cover, to
be severally sealed tip, and lift with the Secretary, at or before
Twelve o'Oock at Neon, on the said 11th August next, after which
hear not any Tender will be received.
JOSRPH -DAR T,-Seerelari.

The partlculatitif fhelttitdi atreedndltbbstilieniViacittee sair
nib be tespectively engaged fdr the Company. Service, mar be
had upon application it the Olico of the Clerk to the Committee
of Shipping, ou or after Saturday nest, the 17th instant.

This day was published, In svo..price Its. boards,
TOUR on the CONTINENT, in FRANCE, SWIT-
ZERLAND, and ITALY, during the Years 1817 and 1818.
By ROGER HOG, Esq.
Author of " Granunont," and Poems—
printed fur G. and W. B. Whittaker, Ave Maria-lane.

This day was published, in Bvo. price 14s. boards,
A PRACTICAL TREATISE on the LAW of
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II OF
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• •
BRITISH ANNUITY COMPANY,
FOR THE PURCHASE OF ANNUITIES SECURED ON
PROPERTY IN GREAT BRITAIN AND IRELAND.
CAPITAL THREE MiLLIONI,
111 1111er1' Vativraurn inaana or VIM POWWOW ItACIW.
&tuba!shed under the Authority of an Act of Parliament, Joaelll,
1824.—Office, 56, New Broad-street, Loodou.

DIRECTORS.
PETER Monist. Esq. M.P. Chairman.
S. B. M. limunerri Esq. M. P. Deputy Chairman.
Nicholas Deimys, Esq. Samuel Page, Es+
'Limit-Gen. Sir Rufane Donkin, Colonel Palmer, M.P.
K.C.B. Nathaniel Wm. Peach, Esq.
Major James Jones lion. William Powktt, M.P.
R. Lane, Esq. A. A. Surtees, Esq.
George Magnus, Est'. Colonel Talbot, M.P.
John Meni'him, Esq John Whin, Esq.
William Newman, Esq.
♦UDITORS.

Henry Clarke, Esq. * John Hotta; Esq.
I Barrage Davenport, Esq. David MfLean, Esq.
Timothy Francis Power, Esq.
sariests.
Sir William Kay, Bart. Petite, Marryat, ind Coleman;
Sia Jain Perriog, Bart. Shaw Batber, and Co.
Sac aria mr,—..Tatnel Mitchell, Ewq. A. M.
&AMINO CourrsaL--Samnel Girdiestose, Esq.
Soureicin-.Jolan
Aeorge Buckley Holm; ail William

by way of annuity, to such an extent as the value of their shares
will Cover.
Perishes are unable to raise money by mortgage, bemuse they
cannot give a power of sale, and can only grant a security on the
rates from time to time as they come in. -kis also deemed inequi-
table to ley the whole burden of defraying.the expense of a chureh.
or other public object, the benefit of which is to extend over i long
period, upon the present inhabitants. They therefore raise money
by annuity; and almost every local Act of Parliament directs or
recognises this mode of obtaining money by parishes:
The Proprietors of nnincumbered but entailed Estates cannot
raise money by mortgage, as they have only a life interest in the
property. It is frequently impossible to cur off the entail, and
Isometigtes a proprietor does not desire to do so ; hence,When money
is raisin, it must be by way of annuity; and such an annuity is-
granted as will remunerate for the use of the money, and pay the
premium for the insurance of the life.
In Scotland a large proportion of the landis entailed, and the
entail being perpetual, it cannot be cut off by any means. In that
part of the United Kingdom all securities on land are registered,
and take priority in the order hi which they are registered; and the
system of registering is universal throughout the country, and is re.
duced to such a degree of simplicity, th.te it may at once be seen 'if
lay and ghat sums of money have been raised on the secnrity of an
Such securities ere therefore very desirable, and the Sri-
Annuity Company has already had applications from Scotland
E e c
money to a very considerable amount.
LAll persons deriving an income for life or for lives, secured on'
and, by marriage settlement, attachable pensions from Gotens-'
menu, money in tke Ptntds, or other good seceritim depending OA
life, must, from the nature of such securities, when they raise mo.
ney, do it by way of annuity. As in such cases insurance is re-
quired, the parties raising the money must grant an itiriuiiy to 'such
an amount as will insure the money advanced, and *ill a remtitie-
ration for its use. •
Good Irish Securities will also meet with the eonsidenttion of
the British Annuity Company, whereverthey are offered haundis.
turbed and mercantile districts; and the Proprietors will now have
the opportunity, by means of this Company, of obtaining money on
their estates, which they have hitherto been unable to procure, and
at low rates of Interest yet miknown is the sister kingdom.
To prevent unnecessary trouble to applicants, it is proper tostate,
that this Company does not advance money in purchase of annuities
eft mere personal security, but only of annuities secured on property.
It' is therefore the opinion of the Directors of this Company,
founded on ifivestigatien arid evidence obtained from Ohne records,
iiir *0 ae the best possible some. of 'Mesta infornimion, that the
icy will beenabkd to knew the whole of its capital, and to.
EisMalanally at least from 0 to 7 per cent. besides leaving a fund,
eontingeocies. For many years there have been annually sl-
ed and enrolled in London, on in' average .1506 annuities, be-
sides those secured on freehold property and cOpyliteiri estates of
larger annual value than the annuities granted, •and exdudve of
aamdties granted on laid and other property in &Wend andrins.,
had. The stun so invested in the purchase of annuities within the
l
last three years, and enrolled in London, has been from threemil-
lions and a half to four millions sterling.
During this period, which has been a time of peat.; tberail ter
lent. obtained, after defraying Insurance where neeessarp, has been
!from 7 to 13 per cent. according to the nature of the securities ; and
k is therefore confidently anticipated, that a great public Company,
transacting its busineseon equitable terms, will have such mimerriusi
Were at to enable it to select the most undeniable securities, and to
trine its capital more advantageously than can possibly be
any private individuals. -. . • .
• That the public wants strongly called for the establishment '
Mich a Company as the present, is evidenced from the immense
itrumint of business transacted in this way for many years pan by.
'lollnre can, therefore, be no doubt that this Company, governed
dud principles, will obtain the preference, and be able advan-
Mtiusy to invest Any 'mews of capita:. Persons possessed of
iesentities may now Palrly,paloulate on just and liberal conduct,
5.
au immediate advance of miner a soon as the -securities have
' approved of by the Dfteeters and professional advisers of
mpany. This will preventani unpleasant publicity to the trans-
action, Incurred by application to.private agents, who are under the
aectuity of offering the 'ninthly, to numerous individuals, who
:again discuss them with their 'advisers, in order to find persons to
[device the sum required.' By applying to a Board of Directors,
the translation is made known to no persons, but confidentially;
end `only to them and their taken, .
• Money, by this Institution, will be also advanced at a more mo-
derate rate, and the Grantor, will be exempted from vexatious and
exorbitant charges of every description.'
To the Proprietors of this' Company, the investments which they
hive made cannot fail of becoming advantageuus. In the first
it:must be admitted that there is a greeter advantage in In-
money in annuidm.than in the public funds, in consequence
}f the present high price p 1 the Stocks. The Three per Vents. are
Mow npt far from £lOO itt the market; and yet it is only eight years,
ego that they were about £6O; and in the event of a war, or of
any other unfavourable political contingency, the Stocks may ra-
pidly fall to £6O again. A pendia, therefore, vela now buys into
the Funds, will not only obtain a very low interest foe his capital,
but la subjected to the hazard of a lops of from 30 in 40. per sent.
the his investment. This risk is avoided by investing in Annuities;
for whether they be paid off by the Grantee, or whether he die-ami:
the money be received from the Insurance Ofilte; the full original
capital is replaced. • •
1 A person having a few hundredpounds, which he wishes to its,
vest in Annuities, will do it to the best advatitigetty taking Shares
ill a Public Company, es he cannot have 'such a competent khovi••
ledge of the business as to be able to decide orithe eligibility of the
securities which may be of eredeto him. The best are frequently
for large suns; and tie benefit of these cannot be obtained, but
by taking a Share in 'a Company which is able to advance the
, money required. . .
To'persons of large property it is also more advantageout so in.;
vest by the purchase of Shares, than in purchasing Annuities
granted to theinselves ; for a Board .of Directors, habitually Fu-
med in the consideration of Securities, must necessarily, from
their experience, be able to judge of those offered theirs better than.
any AdividuaL • They have, also the benefit of emplOying prOfes-
dorsal men, who have had much experience, and whose attention is
exclusively devoted to this particular branch of business. If, also;
k should on any occasion occur, that a security did not prove so
=was expected, the loss, being equally divided anwigst a nu-
Proprietary, would be little felt by any one, and would be
amply recompensed by the Profit on the otfier securities.
There is also a convenience in holding Shares in a Public Cons-
.pany Investinton Annuities, which cannot be enjoyed by an inch-
eidual laying butehienneney on Annuitiei granted to himself, viz.
that when he has occasion for a sum of moneY, he has only to
btidr, as many of his Shares to market as he may -require, and sell
thmo witk the same facility as any other Stock. This he could not
readily do with' an Annuity, or part of an Annuity granted to him-
helf, and certainly not without considerable delay, expense, investi-
kationi and actual lose. The selling of Shares, on the other hand,
Is a perfectly simple, transaction, and they are at any time readily
Convertible into cash.
A Proprietor disposing,of his Shares may reasonable, estpect to
do so at a Premiums- fioln their securing him regularly'i good di-
eidend ; whilst an individual could not in any ease expect a Pre-
admit on an Annuity granted to himself; as it is always liable to be
paid off for the original sum invested, and there cannot be i cer-
taintrof immediately finding a new investment. but Capital in a
Public Company, Which will naturally have nuniekous application;
may be kept in constant operation.
A £5O share will consequently be-estimated by the Purchaser,
tat merely at £3O, bat as a security bringing in an Annual Divi-
dend from £3 to £3 101. and tie value let upon it will be in pro-
portion. . Hence, the,pyice Of such Shares will naturally rise in the
same manner ''.as - title Sates of-ether Public Companies which-,
'realise a similar advantage. - • • 1
.
The Proprietor's Private-Property in the 'British Annuity Com-
pany
wiliteAt be exposed to any liabilities, as is the case in almost all '
the Joint Stock Companies. This trine from the nature' of its'
bpseations. ' • : t t
There are only two ways by which Proprietors their liabiliry—,
ist. to the Directors; 2d. to the Public. Liability to the Direcn
' • is guarded against by the contlitiOn; on which the'Coropany. is
Fbared
and embodied in its deed- of •settlement: Liability to the
'ulic is avoided by thenature of the Institution itself. Purchasing
annuities, as already explained, is merely laying nut money sq as to
!bring in a larger return than by the ordinary mode pf loans. • -
• By the .Acts ef,Pirliameni regulating the Purchase of Anduities,
it is requited that when the transaction' is completed, atittiMl 'reeds
• .

tt tied, the whole purchase-money, even to the int' farthing, shall'
paid down to the grtntor.
As investmetit of capital in making purchases is the only trans-
,detMn which the Directors can legally effect, there is no way_ by
lrhich they can contract any d*ts to subject their own property,
dad that of their Co-shareholders, to any liability, excepting fur the
feat of offices, salaries, and other contingent expenses of manage-
ment. These must always bear so small a.propottioa to even the
annual income of the Company, that they cannot affect the capital,
*mat less involve any of the private property of the shareboldt es.
• The expenses of effecting money transactions tp the form of annv:..
des, as well as in the form of mortgage, are defrayed by the party
*thing the money. Hence the British Annuity Company will 'babe
•
no charges to pay to Surveyors, nor to the Solicitor and.Osimeels.i
for investigation of thettitle, and making out the deeds: . • s
As to the constitution.of the Company, its albite are gawped "
by eighteen Directors • and as the present Court is ieduccill•
siihm-
bet by death, relignahOn disqualificatlous, or other catnei;'nevi
ones will be fleeced by tie Proprietors. Noe Auditors, frethstimit
great body of Proprietors, are:also electeiby them t• end as any, st
the present number die, resign, or become displallicd, the v4C?Ogi:
will be supplied. As to the calls which will bemade for future in-
stalments,. Whilst they will be made at frequently as the demands
of the Public, and cane/gently the prosperity of the Company raw
quire, yet the convenience of the Proprietors will be consulted, anti
only uto the anaousitt b.s alp t,he periods payment- klowe
ever, it cannot be too distinctly enforced on the. Prpprittori of this
Company, that whilst its Instirahce Companies Weir prosperity fs
indlated by On'y one ad being made of a smell amount, to di*
bedpan,- he peosperttroft lie heat evidennedvisktheldiready•ip.•
poeite effect; since, in proportion to the dottsands of she Public for ;
money will be the amount of inconte;, and, if that amount be,
large, and the income proportionite thereto; the dividend to thda
Shareholders will be greater, because the eipetaelof the Itestkadeni)
.vilU be nearly stationary. molt ;icy v :Tye
-• To the Public this Idstittnion will, It is hoPedsslia . ••
advantage. When a per,* who possesses an estate or pivot*
any part of the United Kingdorri desires to obtain an advance fit
by way of annuity, instead dt being obliged to travel to London,
Wisps from a distant part of the country, at comidetsideincinett-
to he will menelfshave to send to the Seenstary of.this Ctiou.r
Pasty for a printed foref, which will be supplied gratuitously, indi-
ta4ing the nature of the property, the sum required, and such other
particulars as war enable the CosuN of Directors to eonshier and be.'
Ismine Ost the business. if the general.eatnre of the security issi
approVe4the Sutreyere of the Compel will then be deputed to
Mersey the property, provided the_ security offered be of such a us-
bore• as tp ;squire it, and the expense of the survey will be borne by
applying fbr the advance. If the report of the Surveyors
to the •Dlrettora, they will'itten notify their iatlefao.'
Hon to applicant, and the abstracts of hie title must be forwarded!,
Co•the Solicitor of the Company, who, with the Standing Carmel,
will investigate the same. If the title be good, the deed will he pre-
pared, and the &air dotopktted With certainty and expedition ; bat
If the title be bed; then the etpense of the investigation Cot, a
staid, be borne by the proposed grantor.
• p this simple and Intelligible process no unnecessary delay wag.;
Make place I—the Shareholders will be protected from all charges
which they ought not to suataid—and the Public will be benefited'
by an advantageous and speedy supply' of capital on eligible arts. 'J
: As the business proposed to be transacted by this Institution most
frequently come through the hands of Solicitors, printed forms
willbe supplied at the OfEce,and the Directors will be happy to re-,
Mire proposals.to any amount, and will at all times afford every ex-
it's:Sian and assistance itrquired. •
JAMES MITCHELL, Secretary.
1 :403 New Broad-street, London, July ip,l Ste. .•

_ _.AM MAR ibillOOL OF KING **WARD "
BICOMSG ROVE. ; " •-;
•
THE Head-Master of the above Establi t vi ll
1 have TWO V 4„CAHCIAS. Igthiplailuie for Eril
at Michaelmas next. i". "."-•'•-•"----- •
N.B. There are six valuable lehodanht s (with Fellowships =-
hexed) from the above School-sr-the y of Oxford, to
Which all Pupils of tvin years IVviiro of being ejected.
For. Particulars, adAltess to. . duk • Gram-
mar lichopl, Branatgeork. . • _ :re; '• • •

CAItMARTHENSIIIIq... ••‘•
CAPITAL FREEHOLD ESTATES,
TO BE SOLD BY AUCTION, IN CARMARTHEN,
Ou the Twenty-fifth of Sternum nest,'
• IN TWENTY-FOUR LOTS,
THE CAL-LIVER ESTATE, situate near f.LAW.
DI LO,•andeodtainint about StX HUNDRED ACRES.
. The PANTHOWELb IMTATE,•situate sac IT. C !AIS,*
containing
•TWO . THOUSAND. . HUNDRED` ijk
SIXTY. ACRES—hotkilatatits consist of rich productive
and capable of peat Itnpitiveltent. . •
'Mr. Samuel Vaughan, at Thinach, will skew Ibqtb ratutlis4
foe Particulars apply to R. R1.1'4. re*, Eaci...daneolses-lasitll s•
and Mn Adam Murray, Surveyor and Land Aleuts Okt WI"-
tin'adane, Loudon. Letterstotel'9st ;' • • it ,
•': RICHMOND, SURREY. "..; 40' • •
•":"' TO 1311 LIM. FURNISHED, "el) ••••
• By Mr. ROB I NS, •
• (Of •War Wick House, Regent-street), e•Vala
ACAPITAL FAMILY MANSION, adapiej .for•
the accommodation of a Nobleman or Gientletnan's
I Psedly-
of the first Distinction; planned with suites of elegant Apartments,
handsomely fitted ;. *student and cotninodious,Oifiees, Coach-
house, Stables, !cc. beautiful pleasure Grounds, richly orn.ameuted
and laid out with Walks, and Tkrrace Walkibf the River Thames,
with unbounded Views of the rich adjacent Cawley, enlivened by
the windings of the Meer. AKA! •
Immediate Possessiop may beibiaL
To be viewed by Tickets, which, with Partiribrs, may be inb4
of Mr. Robins, No. 170, Regent-street.

HENRrS CALCINED MAGNESIA continues to
be prepare with the most scrupulous care and attention, by
Messrs. THONIAS and %Limn Hcnay, hlanufacsuring Chemists,
Manchester. It h sold' in, bottles price 2s. 9d. or withglass
stoppers at Is. 6d. itamp included, with full direction% for its use,
by their various Agents in the Metropolis, add throughout the
United kingdom; but it cannot be genuine, unless their names are
engraved on the Government Stamp, which is fixed over the cork
ur stopper of each bottle. Of most of the venders of the Matadi*
may be had, tithenticated by a similar Stamp, llama's Mow*
Seim of Vituttioa, the invention of Mr. Henry, and tie only'.
granite preputtion of (*snide. .

ELEGANT GLASSES, RICH UPHOLSTERY; SILK'S; lit!
COOPER and SON, 93, Bishopsgare•street Within,
NJ respectfully solicit the attention of the Nobility and Gentry
to their extensive Assortment of Pier, Chimney, Toilet, and Chess!
'Glasses, from the smallest to thme pi* the most niagnificent dimes-

slons, and at such prices as will, they fiatttr themselves, insure
the liberal patronage of the Public in general. In the urniture
Departnent is comprised every new and elegant article of Uphol-
stery, Clibinet, and Chair Manueactareoluitably designed fbr all de-.
scriptions of Residences, from the simple Cottage to those requiring
the most Architectural display of taste and richness. They particu-
larly beg the inspection of their superior Patterns of Silk Dtmasks,
Tabourets,&c. which, fn consequence of the reduced Duty on
Silk, they ate now enabled to veer on Terms so comparatively
moderate as must establish this spperb description of Furniture for
Drawing.rooms, Boudoirs, Saloons, &c. in preference to the inferior
reticles now so much-in use. Families who pnirer the rich and
beautiful style of the Ancient Gothic, will find sonic handsome Spe-
cimens in character for Buildings of the most antique structure;
had as C. and Son are the real Manufacturers of the articles
sold in their 'Ware-rooms, and employ none but first-rate Workmen,
they are enabled, for Fashion, Splendour, and Solidity, to compete
with any Establishment ia. the Metropolis, and, they with confi-
dente affirm, at Prices decidedly advantageous. The Papering hi d
Decorative Style of Work, also the .Carvpig and Gilding in all its
branch., continue as usual. Appneisiments made, and Erunerals
FUrllished, with the greatest attention: to Economy.
i . Ladle' and Gentlemen from the West-end of the Tann, deairn
of.avoiding the bustle of the City, 'will find an easy and plea
access to liishpp.gate.suset, by taking the route of the4EcxA;
and City-road, through lAnsbury-square. .
94 tishottattitreet Within. . a . t I l'' "*lfisrWt
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TUESDAY, AIIGUST 10. 1824
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