The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1847-03-30 00:00:00

CAPITAL.

TRUSTEES.
The Right Hon. Lord Hast- Thomas Amyot, Esq.
in s. Henry Browne, Esq.
The Lord Walpole. Henry Staniforth Patteson,
Sir. Henry Jardine, Knt. Esq.
John Tracey, Esq. Szc. &c. &c.
Edward Wenham Martin, Esq. I
DIREC
E. T. Booth, E
Anthony Hudson, E
G Morse ~
Ilaioelrge
r-GeneralSir R. John
Harvey, C.B.
Isaac Jenny, Esq., Recorder
of Norwich,
Charles Evans, Esq., Chancel-
lor of the Diocese of Nor-
wich,

;TORS. •
:sq., President.
'sq., Vice-President.
Edward Steward, Esq.,
Lewis Evans, Esq., M.D..
Thos. Blakiston,-Esq., R.N.,
Timothy Steward, Esq.,
I George Durrant, Esq.,
1 Robert John Harvey, Esq.

SAMUEL 'BIGNOLD, Esq., Secretary.

The Public are respectfully reminded, that all the Insurances
renewable in the LIVERPOOL AGENCY on the 25th day of
NIARCH, 1847, must be paid at the Office, Exchange-street
~West, on or before the 9th day of APRIL next, or the
e'ociety will cease to be liable for the sums insured.
The RETURNS OF PREMIUM for the four years ending the
99th September, 1845, are now in course of payment.
This Society paid .470,589 16s. Id. Duty to Government for
the year '1845.1t .
INsO'RED, during the same year, -49,726,891 Farming
t.oclt, which is free of Ihtty.
,411 proof of the Public approbation of the principles and con-
,quct of this Company, it ina.y be sufficient to state, that its
ullsiness now exceeds FIFTY-EIGHT MILLIONS.
Prospectuses may be hada Mr. R. L. MILLER, Agent.
'Treasurers—THE LIVERPOOL BOROUGH BANK.

PROVIDENT ASSURANCE SOCIETY,
FOR

GII.IING WEEKLY ALLOWANCES (from ss. to 205.)
DURING SICKNESS.
A:` HITIES (from 2s. 6d. to weekly) FOR OLD AGE.
SUMS PAYABLE AT DEATH, (from .€5 to .200.)
ENDOWMENTS FOR CHILDREN, (from .t-'5 to .e. 300.)
SIEDICAL ADVICE AND MEDICINES.

JOHN CROPPER, Esq., President.
THOMAS SANDS, Esq., Vice-President.
JOHN CLOW, Esq., Treasurer.
TRUSTEES.
John Braml‘w-Moore, Esq. I James Stitt, Esq.
'George Holt; Esq. Samuel Holine, Esq.
MEDICAL OFFICERS.
Benjamin Blower, Esq., 58, Stafford-street.
James Bruce, Esq., M.D., 58, Nelson-street.

Tables calculated by F. G. P. NELSON, Esq.
Aulesznd 'fables certified according to the Acts of 1830, 1846,
&e., by J. TIDD PRATT, Esq.
No extra money. No extra charges.
Payments taken Weekly, Monthly, Quarterly, or Yearly.
The Protits divided amongst the Members.

The Promoters of this Society aim at imparting to it the same
st,MAlity and trustworthiness which have so long distinguished
Life Assurance Co mpanies, and xvhich, they believe, may he
i!'tained by the exercise of ordinary prudence in its constitu-
,pi and mtnagernent, as the laws of sickness and
nowtmortaliy to
kqich the members of such societies are subject are well
'town. They feel confident that an institution of a kind
111!Intitted toe, when well conducted, so serviceable to the
~ditstrious classes, placed on a sure foundation, and with
Lr''Per securities for its faithful and efficient management, will
ti"-eire that support which is freely extended to every useful
't_uertaking.
ftlembers entered, Prospectuses distributed, Rules sold (6d.
v,11), and every information given at the. Office, No. 20, South
A.,11-street, daily, from Eleven. till TWO ; OR SATURDAYS from
i:even till One; and from half-past Six to Eight,on the Even-
"R"‘ of MONDAY; NVEnNEPPA vatad FRIDAY.
'OrerPPql, Norch, 1847. U, 4E11)1 .Se...c.,PetarY •
•

SCOTTISH PROVIDENT INSTITUTION,
14, ST. ANDREW-SQUARE, EDINBURGH.

The NINTH ANNUAL GENERAL MEETING of the
CONTRIBUTORS was held in the Waterloo Rooms, on Wed-
nesday last, at Two o'clock,— •
CHARLES LAWSON, Esq., in the Chair.
Mr. JOHN HUNTER. Jun., W.S., the Convener of the Com-
mittee appointed by the Directors to prepare their Report,
said, in bringing up that Report, that while he felt it to be
unnecessary to notice in detail the statements which it con-
tained, it might be proper to advert briefly to the reasons
which had induced the Directors to go so much at length into'
one subject in particular. It would be in the recollection of
inch of the Contributors as were present at the General Meet-
ing of last year, and others would perceive froM the minute
which had just been read, that an objection was stated by two
of their Members to the principle on which the valuation then
made had proceeded. The Directors who had superintended,
and the Manager who had conducted the investigatfon, had
themselves no doubt whatever on the subject; and his own
impression was, that it would only have required a deliberate
consideration of the case to have satistied any intelligent per-
son of the correctness of the course which hao been adopted.
However, as the subject was afterwards taken up elsewhere,
and the ground on which the objection was made. to rest in-
volved a question of principle; and as the reputation of an
Assurance Society is a matter of peculiar delicacy, on which
the breath of suspicion ought not to rest, the Directors had
considered it proper to take the most eminent advice that
could be had, in regard to the soundness of the views on which
they had proceeded. They had now the •pleasure of hying
before the Meeting an opinion from the very highest authority
on such matters, sanctioning in all respects the course which
they had followed. This was certainly a gratifying result to
the Directors, although, as already stated, they would not have
deemed it necessary to have applied for such an opinion, with
the view of satisfying their own minds on the subject—having
from the first been persuaded that the principle on which they
had acted was, beyond all question, sound and unobjection-
able.

There was then read the following
REPORT BY THE DIRECTORS.

" At last General Meeting, the Directors had the satisfaction
of reporting, not only an increased amount of new business,
but a very favourable result of the first Periodical Investiga;•
tion,-by which a considerable surplus was shown to have ac-
crued. They have now the gratification of reporting the acce-
lerated progress of the Institution, the business effected in the
last year having been larger than in any previous year.
" The number of New Policies issued has been 416. The
sums Assured by these (exclusive of Annuities) amount to
; and the Annual Premiums to £5483.
" Since the commencement of the Institution, 2520 Policies
have been issued, covering Assurances to the extent of upwards
of X 1,150,000. The Assurances subsisting at 31st December,
1846, amounted to £984,463. The Income from Premiums
alone was .f:'26,667; and, including Revenue from the accumu-
lated Fund, £30,634.
" The number of deaths during the year has been 21. The
amount of Claims thereby emerging is 413,000, a larger sum
than in ally former year, but still consiiferably below what is
provided for by the Tables on which the Office Premiums are
founded.

" It is a well ascertained fact that, in the experience of Life
Assurance Offices, and indeed of the community at large, the
past year has been a heavy one in respect to mortality. The
Tables of the Registrar-General exhibit an increase of deaths
on the last half of 1846, even in some of the healthier districts
of the country, of 50 or 60 per cent. over that of 1845. It is a
gratifying. fact, that the number which has occurred in this
Society is Just three-fourths of what might have been expected
according to the Government Table for Males. •
" The experience of the Institution, in regard to mortality,
has been throughout most favourable. Reckoning from the
commencement, only 68 deaths have actually occurred for
every 100 that might have been expected according to the Go-
vernment Table, while the actual number has been less than a
half of what would have occurred according to the Northamp-
ton Table.

" In accordance with the Resolutions adopted at the General
Meeting in 1845, the Biennial Meeting of Contributors was
held in Glasgow, on the 7th January last, when a most satis-
factory Report of•the progress of the Branch was submitted
by the Local Secretary. At that Meeting, two Gentlemen were
suggested by the resident Members in room of those retiring
by rotation, and one to supply the vacancy created by the la-
Mented death of a Member of the Board.
" Their names are—
Rev. Dr. CRAIK, of St. George's Church.;
ANDREW NEibsoN, Esq., Bank of Scotland;
WILLIAM CHURCH, jun., Esq., Merchant;
and these Gentlemen have. accordingly been appointed Mem-
bers of the Local Board, in terms of the Deed of Constitution.
" In their last Report, the Directors referred to the establish-
ment of a Branch of the Institution in London. They are
happy to state that, under the guidance of its influential Di-
rectors, whose exertions in behalf of the Institution have been
cordial and unremitting, the success of this Branch has hitherto
been such as fully to equal their expectations, and to afford
ugin•nduenrtshefonrottliiceemoofsttlifeacvontnirtaribbltedaonrt:ipations for the future.
to the amount of f:
`` There is one other point which the Directors have to bring
an objection was stated in refe-
renceiirteedofsurplus.
raised
instructedby that
to
Managerobj As the question
the Directors
" At last General Meetin
d )trim time Opinion of Professor De
,vittiyhiisioiTittliink it right to submit
objection
to w obtain
Morgan in regard to it,
to the
the statement of the Case,
Contributors, as contairibig a clear and snaTinsiaacttleln:texh;iosition
of the principles applicable to such an investigation.
In his Opinion, here referred to, Mr. De Morgan states, "
think that the Directors have paid due regard to prudence in
the manner of making the valuation, and that the terms in
which thl Annual Report is drawn up are unobjectionable.,,
And after answering in detail the objection which had been
stated, he concludes, " I hold with the Directors, that the
surplus is rather under than over stated."
[The Case and Opinion will be printed in the Report, which
will be prepared as usual in the form of a Pamphlet.]
" The same Case was submitted to Mr. Griffith Davies, Ac-
tuary to the Guardian Assurance Company, whose views also
hear out the course which was followed by the Directors; his
opinion stating that the method adopted by them in their
printed Report is unobjectionable, and calculated to give the
Contributors a faithful view of the affairs of the Institution.' "

Mr. WM. JAMES DuNcAN Manager of the National Bank of
Scotland, moved that the lieport be approved of, which was
seconded by Mr. DAVID liEcToa, Advocate.
Mr. JOHN SINCLAIR, City Chambers, said be had come to
the meeting with the intention of remaining a silent spectator
of the proceedings, being entirely unaware of the steps which
had been taken. But he could not refrain from rising to ex-
press the gratification with which he had listened to the Report
Just read. Being one of those who, at last meeting, had stated
some doubts connected with the investigation, lie felt it would
be improper were lie not now to express the delight with which
lie had heard that
.part of the Report, in particular, which
contained the opinion of Professor De Morgan; and which
entirely removed from his mind, as he was sure it would have
done from the mind of his deceased friend Mr. Fraser, all
doubts as to the correctness of the principle on which the in-
vestigation was made.
The motion for the approval of the Report was then unani-
mously adopted.
On the motion of Mr. WILLIAM WHITEHEAD, Master of
the Merchant Company, seconded by Mr. CHARLES MACKAY,
Goldsmith, the thanks of the Meeting were given to the Direc-
tors for their services during the past year.
Thanks were also tendered to the Local Boards, to the Trus-
tees and Auditors, and to the various Office-bearers:
The Management for the ensuing year was then vested in the
following Gentlemen; the three last-named Directors being
elected by the Meeting, instead of those who retired by rota-
tion, and the Auditor last named, instead of Mr. BLACK, ap-
pointed Director. •

DIRECTORS. •
Robert Sclater, Esq. James Cowan, Esq.
Donald Smith Peddle, Esq. John Hunter, jun., Esq.
Charles James Kerr, Esq. Alex. Keith Johnston, Esq.
Charles Morton, Esq. William Oliphant, Esq.
George Meikle, F.sq. William Fraser, Esq.
Robert Robertson, Esq. Archibald Thomson, Esq.
Alexander Jamieson, Esq. Charles Black, Esq.
John Parker, Esq.
{Charles W. Anderson, Esq.
Auditors. .. . James Crawford, Jun., Esq.
Alexander Bryson, Esq.
Trustees.
David Hector, Esq. James Alexander, Esq.
I
John Black Gracie, Esq. James Peddie, Esq.
William Campbell, Esq., of Tillichewan.
Bankers The National Bank of Scotland.
Medical f Sir George Ballingall, Professor of Military Surgery,
Officers, 1 Dr. James Duncan, 12, Heriot-row.
.S'olicitor—William Pollock, Esq, 13, York-place.
Manager—James Watson. Secretary—Joan Watson.

AOFNTS FOIL LIVERPOOL.
WILLIAM HASLETT and Co., Merchants, 13, Oldhall=street.
Manchester T. P. Rickards, commission agent,
Leeds William Bruce, jun., Solicitor.
Preston Fdward Harrison, Solicitor.
Edinburgh, 2001 February, 1847.

A N Additional and Important Evidence of the
1% Salutary Effects of BL AIR'S GOUT and RHEUMATIC
PILLS, from Mr. Thomas Yates.
" 5, Albion-road, Stoke Newington Green, fdk Feb., 1847.
" Sir,—With much pleasure I acquaint you with the benefit
that I haVe derived by taking Blair's Pills.
" On my journey five weeks since, while at Chepstow, I had
distressing symptoms of an attack of Gout in one foot, and with
the utmost difficulty reached Bristol. By this time the disease
had so much increased that I could not place my foot on the
floor, the swelling being extensive and the pain excruciating.
Having often heard of flair's Gout and Rheumatic Pills, I im-
mediately sent to Messrs. Perris and Score, Chemists, Bristol,
for a box, which when I had taken, the pain had wholly subsi-
ded. I continued the pills until I had taken two-and-a-half
boxes more, when to my gratification I was perfectly restored
to health, and able to resume my journey.
" I respectfully assure you that I shall recommend this va-
luable medicine to the fullest extent in my power, and never
while travelling shall lin future be without it. During my ill-
ness my residence was at Mrs. Slocombe's Greyhound Inn,
Broadmead, Bristol, whose family, if requisite, will confirm the
facts I have stated.

" I forward my case to you for publication, that the afflicted
may be assured of and obtain relief.
" I am, Sir, yours respectfully,
" THOMAS 'YATES,
"Traveller to Messrs. Day and Martin,
97 High Holborn, London.
"To Mr. Prout, 229, Strand, London."
The efficacy of Blair's Gout and Rheumatic Pills is now uni-
versally acknowledged, and for the class of diseases known as
Gout, Rheumatism, Lumbago, Sciatica, Tic Doieroux, and all
analogous complaints, comment is unnecessary. The continued
series of testimonials, of such indisputable authority as the
shove, renders this one the most popular medicine of the pre-
sent age.
Sold by THOMAS PROM', 229, Strand, London; and, by bir
appointment by Rennie, Ntiagstaff, Howell; Phillips, Aspinall,
Fisher, Apothecaries' Company, G. Syers, J. Syers, Roberts,
Johnson and Son,_ Lathbury, Scholefleld, Smith. Brad.
ford, Blake, Bird, Gerrard, Watson, Mncklow, Lloyd, Carter
and Rowland, Liverpool ; Law and Gasket], Manchester;
Grindley, Chester ; and all respectable Medicine Vendors
throughout the United Kingdom. Price 2s. 9d, per box.
Ask for BLAIR'S GOUT AND RHEUMATIC PILLS, ancl
observe the name and address of "Thomas Prout, 229, Strand
London," impressed upon the Government Stamp affixed t
4 " box of Oe Genuine Medicine.

IMPORTANT DISCOVERY OF' A CURE FOR NERVOUS
OR MINI) COMPLAINTS.
Just Published, Fifth Thousand, and may be had
rOR NOTHING, a PAMPHLET, on MIND and
I: NERVOUS COMPLAINTS, and on the new and only
successful means of curing those obstinate maladies, as disco-
vered and employed by Mr. WM. ADAMS, 23, Doughty-street,.
Mecklenburgh-square, London.
There are hundreds of persons who, in the midst of plenty,
are harrassed and annoyed by an endless variety of anomalous
and painful feelings, which embitter existence, render life a
daily misery, and convert even social endearments into sources
of irritation and pique.
Such are.solicited to read the above Pamphlet. In it they
will perceive the necessity for and the advantages of immediate
recourse to the treatment, sanctioned by experience and by the
testimonials of the cured.
Will be sent to any address, post paid, on receipt of two
stamps.
Thams.---The means of Cure can be sent to all parts of the
world, with full directions, and the patient cured at home, or
More expeditiously by P temporary residence in London.
The only charge imide is the averaged cost price of the means
of Cure—One Games per week.
Respectable but poor persons pay only half of the averaged
cost price—Half a Guinea per week.
TESTIMONIALS OF TIM. PUBLIC runes.
" There are no diseases which have more puzzled the faculty
than nervous complaints and insanity. Doctors have both
been unable to account for them and to prescribe any means
of cure. This darkness has, however, been cleared away by the
• clever author of the above pamphlet, in whieh he explains hit
theory of cure in a very rational manner, and we ff,o c;.‘rtait:
that it will induce many to apply to Air. Adams for his
assistance."—The Chronicle, Dec., 1846.
" We cordially recommend all nervous persons to submit
their cases to the skill of Mr. Adams, the ant!) oroisa pamphlet •
on IViind or Nervous Complaints and Insanity."—
Journal, July, 1846.
" A most useful and important pamphlet."—London Mer-
cantile Journal, Sept., 1846.
" We recommend Mr. Adams to those of our readers who are
nervous, &rid TriSb to be cured."--Bedford Time, Oct., 1846.