The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1849-03-20 00:00:00

IVERPOOL STANDARD.

Tlli

SCOTTISH WIDOWS' FUND AND LIFE
ASSURANCE SOCIETY.

REPORT of the PROCEDURE of the THIRTY-FIFTH
ANNUAL GENERAL COURT of this SOCIETY,
Held on the 6th March, 1849 ; the Rev Dr. GRANT in the Chair.

The MANAGER read to the Court various Statements relative
to the Society's affairs, from wkich it appeared :-
1. That during the year 1848 there had been 666 Policies
passed, covering Insurances to the extent of £481,926,
being less than during the year 1847 to the extent of 148
in the number of Policies, and .W 69,627 in the amount of
Insurances.
2. That the capital of the Society, at 31st December, 1848,
was .W 2,054,548 12s. Ild., having increased during the
year to the extent of £130,335 13s. 7d.
3. That the annual revenue of the Society, at the same date,
was £306,878 lls. 9d., having increased during the year
to the extent of X 11,092 Os. 10d.
4. That the number of deaths which had occurred during the
year 1848 was 88, the sums insured under the Policies
which have emerged in consequence of these deaths being
£92,405 10s., or, with Bonus additions, .W 117,568 10s. 3d.
5. That the above sum of .W 92,405 10s., and the number of
deaths, were in the ratio of 53a per cent. of what might
have been expected, according to the Tables of Mortality
upon which the Society's calculations are based.
6. That 134 Policies, covering Insurances to the extent of
.W 139,148, had been surrendered during the year 1848.
The accuracy of the Statements which had been read, was
confirmed by the AUDITOR. _ _ _ _ _ _

The CHAIRMAN then rose, and addressed the Court as fol.
lowss---It is in accordance with practice, that at this stage of
procedure you should be addressed by the individual having
the honour to occupy the Chair of the Meeting, and, in humbly
endeavouring, to the best of my ability, to perform that fluty,
I would begin by expressing my unfeigned regret at the neces-
sary absence of the Noble Earl, (Lord Rosebery,) who has so
long and so ably presided over the Society. (Applause.) In
this regret you all, I am sure, participate, though no one has
so much cause of regret as myself. I would also, at the outset,
bespeak your kind indulgence to the necessarily imperfect
statement of one who, though he cannot plead that he is unac-
customed to public speaking, is yet in use to speak chiefly on
topics widely different from those to which the business of this
Society relates. I rejoice, however, to think that my task is
rendered comparatively easy by the simplicity and distinctness
of the Report to which you have just listened. (Applause.)
In considering the Statement made by your Manager, as to
the business of the past year, there is one feature that presents
itself to our view at the very outset, the consideration of which
it were quite vein to attempt to evade. We have done less bu
siness during the past, than during the immediately .preceding
year. Both the number and the aggregate amount of Assur-
ances passed'exhibit a decrease. But surely this fact cannot
have taken any of you, however little you may be connected
with business, with any degree of surprise. The past year is
known and admitted to have been one of unexampled difficulty
and depression. There has been a shaking of the nations on
the continent of Europe, such as none of us had witnessed be-
fore, and which has seriously impeded our commercial inter-
course -with them. Apart altogether from this, various causes
have contributed to produce in this country a stagnation of
trade, great commercial embarrassment, and the all but total
suspension of commercial credit and confidence. (Hear, hear.)
I need not tell you that the number and the amount of assist
ance transactions must most materially depend upon the gene
ral prosperity of the country. 'ln truth, the entering into such
a transaction is neither moremor less than the investment of a
surplus or saving of income. It is the forming, too, of a con-
tract, which, in a great majority of cases, lays the assured un-
der a pecuniary obligation of annual recurrence during the
whole period of his life. In a year such as that through which
we have lately passed, the means are in many cases awanting
by which alone assurance can be effected. (Hear.) Even when
these means are possessed, they are husbanded carefully, to
provide for commercial-contingencies, by which the individual's
whole stock and property. may be placed in jeopardy; and
amid the alarm, and anxiety, and distrust that prevail, men
are slow to enter into contracts for long deferred benefits, and
involving long confirmed obligations. (Hear, hear.)
And that this is the true cause of the partialcheck which
your onward progress has sustained, is, I think, made abun-
dantly clear by the next fact in the Report to winch I shall ad-
vert, namely, the unexampled amount of surrendered assur-
ances. Policies covering no less a sum than nearly .e 140,000
have been abandoned. 'The fact is one which we must all
lament. We cannot fail to sympathise with those of our
brethren and friends who, many of them doubtless under the
pressure of stern-and cruel necessity, have been obliged thus
to part with the store which the prudence and provident habits
of other and better years had accumulated, for the benefit of
those who are dependent on them. We must grieve to think
that the copartriery subsisting between them and us should
have been so prematurely dissolved ; tut while so many mem-
bers of the Society have been, at a certain disadvantage, so to
speak, selling out, surely it ought not to surprise us that, in the
same circumstances, the number of entrants should have been
comparatively-small. (Hear.) . _

But while toffer thesse explanations, I must not allow any
one to take up the erroneous impression that the deficiency in
the amount of business done has been at all alarming in its
character. The business done during the immediately prece-
ding year was very great—considerably above an average. The
falling off is by no means considerable. It is easily accounted
for. When the transactions that have been carried through
are viewed in connexion with the circumstances, they even in-
dicate a steady progression. And as compared with other So-
cieties (of which I would speak with respect and kindly inte-
rest, and whose success I must ever regard without any feeling
of jealousy)—(applause)—as compared with other Societies of
Scottish growth, as we are the oldest, so are we still indisputa-
bly the greatest. (Renewed applause.) Some of them are yet
struggling, and in no very favourable times, with all the anxie.
ties that must attend the infancy of such institutions. Others,
I rejoice to say, have been already firmly and securely esta-
blished. And we, at least, are entitled to regard ourselves, as
having passed in safety through the anxious period of child-
hood and youth, and reached the maturity of our strength and
manhood. -(Applause.) The prosperity of all -ens -must in-
deed depend.en the prosperity of our common country; yet, as
regards this, it becomes us to confide ill Him who bath already
so signally blessed our nativ. land—in Him who, at his plea-
sure, straiteneth the nations and enlargeth them again—it be-
comes us to-confide, under Him, in the strength end elasticity
of our national resources, and to cherith the humble hope that
the dark and murky cloud that has for a time 'hung over us,
may, ere long, turn round its white and silvery lining to our
view. (Applause.)
The.accumulated capital and the annual revenue of the Soci-
ety have 'both during the past year largely increased. The
latter—l < mean the Annual Revenue— now exceeds £300,000.
As to the Accumulated Capital, men, in any younger days,
seldom ventured to speak of a million, except, perhaps, in con-
nection -with the national debt ; and when they did so, it was
generally held to indicate a sum of enormous, and indefinite,
and unattainable amount. It is far otherwisesnow, when people
speak of millions as if they were no more than thousands. But
yet I doubt not you will feel satisfied to learn that more than
two millions sterling have been accumulatedaand safely invested
on your account. (Applause.) And yet you-must allow me to
remind you that the prosperity of the Society is not necessarily
proved by the mere amount of business done, and,the conse-
quent increase of the revenue and capital. You might be doing
a widely extended business, and yet doing it on most erroneous
principles, such as could only lead to loss and disappointment,
and as to the temporary accumulation ofecapital that must
occur in the -earlier stages of every Assurance Society. But
when I take upon myself—as I confidently do—to offer you my
congratulations on your steady and growingprosperity, I do so,
not because your funds are enormous, but because they have
been steadily looked at in connexion with your liabilities,—be-
cause the cheeks are unremitting, and ever applied on the safest
principles by,a Manager and an Auditor, both men of unques-
tioned ability and caution,—because, in dividing profits, a due
and prudent reserve has been exercised,—and last, though not
least, because your Directors and Medical Advisers have been
strict and conscientiously faithful in the selection of Lives.
(Applause.)
And this leads me to the last point to which I take the liberty
of adverting in connexion with the Report,—}mean the amount
of mortality which has occurred. The number of lives that
have dropped during the past year is 88. In the.year immedi-
.ately preceding, the number was 107; and as the Members of
the Society was less numerous in that year,ithe difference in
favour of the Society is the more remarkable. The actual
number, however, is very unimportant, viewed by itself. The
important fact is that the casualties of that year form only
fifty-three and a half per cent. of those which might have been
expected according to your tables ; and surelyii need not say
more than this in order to convince you that your business is
conducted upon principles that are even more than safe. (Hear,
hear.) In truth, I consider that there is nothing in the whole
conduct of your business that is of more essential importance
than the selection of lives. In a Proprietary Office, business
may be done on terms which will yield a profit even on bad
lives ; but in a Mutual Office, like this, it is clear that every bad
life introduced, is just so much subtracted from the amount of
the common stock; and 1 think we can have no difficulty in
coining to the conclusion that, in our office, the standard of a
good life, which is in a great measure arbitrary, and varies in
different offices, is kept almost unprecedentedly high, and that
•the lives have been selected with the utmost judgmenti and dis-
,crimination. (Hear.)
The small amount of mortality which has occurred during
:the past year is, in every view, a subject of pleasant congratu-
lation. I trust that all of us feel the tie that connects us together,
and that we take a kindly interest in one another, as members
of this great Joint-stock Society.,differing much as we do in age,
and circumstances, and profession, and in political, and, it may
be, religious opinions. (Hear. hear.) I trust that we all feel
the tie to be is close and an interesting one ; and surely it is
matter of real gratification to -see so many of our friends and
fellow-members still spared, v,sho, according to the calculations
of even more modern actuaries than those by whom the Car-
lisle and Northampton tables were compiled, should long ere
now have gone the way of all living. Independently of this,
their having been spared is a source of direct pecuniary gain to
us ; and though it be true that ,it has caused to them, to the
same-extent, a pecuniary loss, I dare say they would be not a
little amused if we were to offer them our condolences on the
loss which they have sustained (A laugh.) That loss lam
sure they will bear with becoming.equanimity ; and however
long they-may have been already spared, we need not fear that
they will look forward with unbecoming impatience for the
erne, gency of their policies.
But though the number of casualties has been ccmparati very
small, still many casualties—some of them sad anti unlcoke,i-
for, and involving serious loss to particular families and to so-
ciety at large—have occurred. Let us sympathise with the sur-
viving friends. Let us rejoice in the benefits which they have
derived from the provident conduct of their fathers and rela-
tives, in investing for their behoof in this society. Let us be
confirmed in our views as to the prudence of the course which
we have ourselves pursued in order to " provide for those of our
own house," by taking advantage of a system which, in a cer-
tain sense, equalises lives ; and let us ever bear in mind that
our times, too, are in the hand of God, and that others have
been subjected to no bereavements but those to which our own
families are daily and hourly exposed.
I have now only to advert to some proposed changes in the
laws of the Society, which will be submitted to you for your
consideration. They have reference chiefly t i the matter of
forfeited policies. 1 shall not advocate these changes, but leave
this to be done by those who have undertake to propose them
for your approval ; but I may say that they are merely such as
have been introduced in a fair and liberal spirit into other in-
stitutions; and that they appear to be no more than equitable
to certain policy holders, while it is quite safe for the Society to
adopt them. 1 commend these changes to your fair and dis-
passionate consideration. They have been suggested by the
Ordinary Directors only after the most full consideration, and
they have undergone all the preliminary ordeal which the con-
stitution of the Society prescribes, and have met with the cordial
approbation of all the office-bearers of the Society. [The
reverend Doctor, after apologising for having detained the
meeting so long, and calling upon Mr. BEVERIDGE to propose
the first resolution, resumed his seat amid loud applause.]
Thomas BEVERIDGE, Esq., then rose, and after fully ex-
plaining their nature, proposed two resolutions, containing
alterations in the Laws of the Society, the effect of which
would be,-
1. To extend the powers at present held by the Directors in
dealing with forfeited policies.
2. To enable parties entitled to receive and discharge sums
falling due under emerged policies, to demand payment
thereof (on certain premonition) at the end of three
months from the date of satisfactory proof of the death,
without waiting the expiry of the full period provided for
under the policy, but under deduction of discount at the
rate of 4 per cent.
Mr. BEVERIDGE stated that the propriety of so far altering the
Laws of the Society bad been under consideration of the Direc-
tors for a period of upwards of a year, and that the resolutions,
as now proposed, had received the unanimous approval of two
separate Courts of Extraordinary Directors.
ISAAC BAYLEY, Esq.' of Manuel, in seconding the motion,
took the opportunity of stating to the meeting that the Direc-
tors had lately had occasion to consult Counsel in consequence
of various cases having occurred where Policies were held by
Trustees under marriage contracts and otherwise, where there
was no fund from which to pay the premiums as they fell due,
and where no power was given to the Trustees either to sur-
render a part of the insurance, in order to preserve the re-
mainder, or to borrow upon the security of the Policy the requi-
site sum to enable them to meet the payment of the premium,
And keep the Policy in force. Mr. Bayley stated that the Direc,

ARE NOW COMPLET

LIFE tors had been advised that they would not, in such circnm- CHRIST CHURCI
stances be in safety so to transact with the Trustees. rPHE ANNUAL SE]
The Resolutions were unanimously agreed to, and it was then
FIFTH suggested by Mr. Beveridge, that as by the Laws of the Society J_ Schools will be preac
SUNDAY next, the 25th in
all such Resolutions must receive the sanction of two General
F, FIELDING OULD, Incur
Courts, a Special General Court should be called for the second Evening, by the Rev. HUC
Chair. Tuesday in September, for the purpose of finally disposing of I—. Paul's, Prince's Park,
them. The suggestion was unanimously approved of. at
Divine Service will cow
relative On the motion of R. W. HAMILTON, Esq., Manager of the
General Steam Navigation Company, seconded by JAMES before Eleven o'clock, and
Policies CAMPBELL. Esq., of Moorpark, a vote of thanks was given to
181,926, the Courts of Directors, to the Trustees, and Office-Bearers, Cl
tof 148 for their services during the past year.
ount of On the motion of ALEXANDER GOODSTR, Esq., Secretary of EASTER QU
the British Linen Company, seconded by the Rev. Dr. ROBERT ITOTICE IS HEREI
r, 1848, LEE, Professorof Biblical Criticism, the Courts of Directors for 111 QUARTER SESSIO]
ing the the following year were appointed as follows : PALATINE of LANCAST
PRESIDENT. LANCASTER, on WEDNESI
le date, The Right Honourable the Earl of ROSEBERY, K.T. at Ten o'clock in the Fore
he year VICE-PRESIDENTS. following Places and times
The Honourable Lord COCKBURN. At the Court House, it
ing the The Honourable Lord MONCREIFF. , fourth day of April nex
Policies His Grace the Duke of BUCCLEUGH, K.G. noon.
a being *The Most Hopourable the Marquis of TIVEEDDALE, K.T. At the New Bailey Court
10s. 3d. and C.B. the ninth day of April
nber of EXTRAORDINARY DIRECTORS. Forenoon.
t might Robert Graham, Esq., of Bal-1 Daniel Watney, Esq., Wands- And at the Court Hous
ortality gowan. 1 worth, London. the eighteenth day of Apri.
John S. Cunningham, Esq., of Rev. Dr. Macnair, Abbey noon.
:tent of Caprington. Church, Paisley. And that all Business rel
1848. Sir Charles Dalrymple Fergus- William Shuttleworth, Esq., tion, or Management of th
ad, was son, Bart. town-clerk, Liverpool. mence at such Sessions, re
Right Hon. Lord John F. G. Anthony Murray, Esq., of Forenoon of the first day tl
as fol- Hallyburton, M.P. Dollerie, W.S. The Attorneys engaged it
stage of Very Rev. Principal Macfarlan, William Mitchell Innes, Esq., are requested to take Noti(
having Glasgow. of Parsons Green. ments are required to be se
humbly Robert Granberry Baillie, Esq., *John Ravenhill, Esq., banker, four days at least before th
at duty, of Culterallers. Warminster. GORSTS e
neces- James Macgregor, Esq., Chair. *Thornasßeveridge,Esq.D.C.S.
has so man of South-Eastern Rail- *Charles Baillie, Esq., advocate
se.) In way Company. *Archibald Davidson, Esq., AT a SPECIAL GE
one has Sir John Stewart Richardson, Sheriff of Aberdeenshire.
outset, Bart., of Pitfour NICHOLAS'S CHURCI
i perfect Right Hon. the Earl of Lincoln. *William James
elsisaptinonncaalniaEnskl." 11-1849, The Venerable Archd
is unac- Leonard Homer, Esq., London,
[idly on ORDINARY DIRECTORS. The Notice convening the
havii
is of this Sir William Hamilton, Bart. James Mylne. Esq., W.S.- SECOND REPORT of the
task is Mor David Brown of Park, Alex. Pringle. Esq., of Whyt-BLE RATING COMMP
Inctness ldinr. bank. in General Vestry asses
Ise.) John Gibson, Esq., W.S. Geo. Gibson, Esq., merchant, April, 1848, "To receii
r, as to Christopher Wood, jun., Esq., Leith. Rate, for bringing into
mesents merchant, Leith. James Tytler, Esq., W.S. risb, and for effecting 1
)f which James Balfour, Esq.,,of Pilrig. William Wilson, Esq., W.S. chial burdens."
less bu William Smith, Esq.., of Car- *Sir Adam Hay, Bart. The Equitable Rating C
•eceding beth Guthrie. *John Cockburn, Esq., mer- of their proceedings since i
f Assur- Isaac Bayley, Esq.,nf Manuel. chant. ber last, desire, in the first
cannot Lewis Alexander Wallace, Esq., *Henry Cheyne, Esq., W.S. ers upon the impetus whi
nnected architect. equitable rating in the tow
year is Those marked * are New Appointments. advocates to the municipa
ifficulty A Member of the Society, in the course of the proceedings, gratification at this event,
ions on called the attention of the Directors to the statement lately of the determination of th
ssed be- made by the Chairman of the Great Western Railway Corn- (lens is a subject which ca
it inter- pany, as to compensation being given to every one who might by their representatives in
s causes suffer by a railway accident. The effect produced in
ation of On the motion of the Hon. BOUVERIE F. PRIMROSE, a vote
November last speedily de,
)ut total of thanks was proposed to the Reverend Chairman, which was their objectthe avoiding of
r, hear.) received 'with much applause, and the Court thereafter ad- with the Bill for Rating t 1
f assur- journed. the parochial authorities b
se gene- JOHN MACKENZIE, Manager. being agreed that the Con
Ito such WILLIAM GEORGE, Chief Clerk. upon the Parish in respect
'ent of a Edinburgh, 5, St. Andrew-square, 9th March, 1849. that the Churchwardens an
a ton- forego their annual claim r
ired un- AGENTS FOR LIVERPOOL AND VICINITY, and Church Rates upon tl
ing the Messrs. BELL, GOULDIE, and CO., Brokers, Exchange- such respective claims beis
h which street East. ' annually.
wanting Thus one of the great oh
nn when WEST DERBY UNION. Committee were called into
Fully, to ELECTION OF GUARDIANS. trouble and expense necess
vidual's rpriE LAST DAY for receiving NOMINATIONS contest.
y; and
_L of GUARDIANS for the several Townships comprised in It was also arranged tha
ul, men
the WEST DERBY UNION, is MONDAY, the 26th instant. half of the expenses incurro
its, and
Nominations must be made in Writing inl the form prescribed of the Dock Estate, and tl
k which
eilheiaa4lbol u,
ad-oor bv the Poor Law Board (copies. of which may be had at my the Parish, Toxteth-park,
Office), and must be sent to me or to the Persons appointed by cordingly to the rateable v
me to receive the same in and for the respective Townships. Your Commiitee, on th
WILLIAM CLEAVER, deputation to take measur
d assur- „ Clerk to the Union. Rating Bill in parliament.
lust all ,31, Calracyhtlo9n;alqiBt49a.re, The deputation, which c
of our
:der the EXTRAORDINARY CHEAP EXCURSION were joined in London li
;ed thus FROM
Cooper, and Mr. Fisher, a:
it habits LIVERPOOL TO PARIS AND BACK, Town
The Councilpresent object of t, and by Mr.l
:refit of FOR parishioners of Liverpool E
:o think TWO POUNDS FIFTEEN! ! ! mittee upon the bill, in o
should stances which had induce
ly mem- GRAND TREAT FOR THE WHITSUNTIDE HOLIDAYS. should be fairly considere(
:e, so to
t, in the
we been 4
MR. MARCUS has great pleasure in informing his The reasonableness of tl
nised by the opponents of
eto have determined i
Friends and the Public generally, that his arrangements pear ar
condemned without a ' 1
low any are now complete, and the following will be the rate of
were unceasing. Member
iency in FARES TO PARIS AND BACK: deputation arrived, been a
ig in its THIRD CLASS . . £2 15 0 reading of the bill, to pr(
y prece-
;e. The SECOND CLASS 3 15 0 unusual and unfair a pr(
counted FIRST CLASS
through
19, Leigh-street, Liverpool, March 12, 1849. cipal " reasons for rating
even in-
s-- C.,

ANNUAL WHITSUNTIDE EXCURSION,
FROM LIVERPOOL TO LONDON AND BACIC,

18 (
Enlt in n

ALLOWING SEVEN OR FOURTEEN DAYS IN LONDON.
UNDER the sanction of the DIRECTORS of the
LONDON AND NORTH-WESTERN RAILWAY COM
PANY.

EXCURSION TRAINS

WrIM IiEAVE
THE EDGE-HILL STATION, LIVERPOOL,
'ON SATURDAY MORNING, MAY 26,
AND
ON MONDAY MORNING, MAY 28.
Further•Farticulars. as to the Hour of Departure, Da
Return, &c. "&c., will be announced in future Bills and A,
tisements. _ .

The first objectiori v

11. R. MARCUS, Manager and Condt
19, Leigh-street, Church-street

'WHITSUNTIDE HOLIDAYS

EXTRAORINARY CHEAP EXCURSION
FROM

that the legislature had a
public property by the p
. .

LONDON TO PARIS AND BACK

FOR
THIRTY-FOUR SHILLINGS ! ! !
GRAND TREAT, available only to Parties, Excursionists into
LONDON BY SPECIAL TRAINS.

AIR. MARCUS respectfully intimates to his Friends
and the Public generally, that his arrangements with the
Dire,,tors 'of the South Eastern and Dover and Northern of
France Companies, fora _

TRIP TO PARIS,

Passengers going up to London by Excursion Trains, and
having a desire of visiting PARIS, may obtain Tickets at the
following rate :

PROM LONDON TO PARIS AND BACK.
THIRD CLASS £l 14 0
SECOND CLASS 2 5 0
FIRST CLASS 3 3 0
These Tickets are available on any day by any Train corre-
sponding with the Ticket between LONDON and PARIS or
PARIS and LONDON, from the 27th of MAY to the 12th of
JUNE, inclusive.
Tickets and every information may be obtained on applica-
tion, by letter, POST PAID, and enclosing a postage stamp,
addressed to

HENRY R. MARCUS,

at his Office,
19, LEIGH-STREET, LIVERPOOL

P.S.—Tickets may also be had at his Office, 23i, Crosby Hall
Chambers, Bishopsgate-street, London, on and after the 27th
of May.

OBSERVE!
NERVOUS OR MENTAL COMPLAINTS
CURED BY REV. DR. WILLIS MOSELEY

FROM BENEVOLENCE, RATHER THAN GAIN.
NERVOUS or MENTAL COMPLAINTS were
never cured with certainty or supposed to be curable
until Dr. Willis Moseley cured himself. And mysterious as
it may appear, it is a fact, that he has by his peculiar treat-
ment such power over Nervous or Mind Afflictions, that he
calms the most excited and raises the most depressed in a few
hours, and cures sometimes in a few weeks, all the following
distressing symptoms, depression of spirits, involuntary blush-
ing, groundless fear, melancholy, delusions, indigestion, hys-
teria, wretchedness, blood to the head, giddiness, sleeplessness,
loss of memory, unfitness for study or business. palpitation of
the heart, mental debility, exhaustion, inquietude, indecision,
blasphemous thoughts, thoughts of self-destruction, fear of
insanity, and insanity itself, if his advice is followed.
. •

ft is therefore with pleasure we announce that the reputa-
tion which the Rev. Dr. Willis Moseley has obtained forcuring
every kind of nervousness is established upon such unequivocal
evidence as to have induced thirty physicians and surgeons to
place themselves, relations, or patients, under his treatment.
and in every case it has been attended with success. We our-
selves have seen most satisfactory proofs of his success in
curing nervousness and insanity ; and know persons whom he
has cured after Drs. Sutherland, Roots, Esquirol, &c., had tried
in vain to cure them."—United Service Gazette, 6c.

WHY THEN SHOULD THE NERVOUS REMAIN SO?
Or insanity itself not be cured? These do not originate in the
stomach, liver. or bowels, but in the head. And as no pow-
ders, pills, or draughts, cure them, Dr. Moseley's theory and
treatment have been declared by all Medical Men to whom he
has explained them the most rational, and thousands of cures
prove them to be the only effective means ever known. As of
18,000 applicants to be cured, not thirty are known uncured
who have used these means as directed, let none despair, or the
friends of the insane neglect this opportunity. Apply or write
for the means of cure. Or a pamphlet on this speedy and per-
fect cure of Nervousness and Insanity will be sent to any
address if one stamp is enclosed to Rev. Dr. Willis Moseley,
19, Bloomsbury-street, Bedford-square. At home from 11 to
3. Means of cure sent to all parts.

FOR INDIGESTION, BILIOUS AND LIVER
COMPLAINTS.

"0, Blessed Health thou art above all, old and treasure;
'tis thou who enlargeth the soul, and openest all its powers to
receive instruction and to ,elish virtue. He that has thee, has
little more to wish for ; and he that is so wretched as to want
thee, wants every thing with thee." STERNE.

As a preserver of Health, and a gentle yet efficacious Remedy
for Indigestion, and all Disorders originating from a morbid
action of the Stomach and Liver, STIRLING'S PILLS have
met with more general approbation than any Medicine yet dis-
covered, requiring no restraint of diet, or confinement, during
their use. They are mild in their operation, and comfortable
in their effect; and may be taken at any age or time, without
danger from cold or wet. They speedily remove the causes
that produce disease, and restore health and vigour to the
whole system. For FEMALES they are invaluable, as they re•
move obstructions, promote a regular circulation, and improve
the complexion, giving the skin a beautiful, clear, and bloom-
ing appearance, which, by their use, may be retained to the
latest period of life. Also for CHILDREN they are the best
Medicine that can be used, as they expel worms, and carry off
crudities, &c. from the Stomach and Intestines; by which
they prevent illness, and lay the foundation of good health for
future years. FREE LIVERS, who are subject to Head-ache,
Giddiness, Drowsiness, Irregularity of the Bowels, Nervous
Irritability, &c., should never be without them for by their
prompt administration on the first symptoms (Wiliness, Fits,
Apoplexy, Gout, and many other dangerous complaints, may
be prevented or cured. They have been found highly benefi-
cial during a course of Sea Bathing; and are particularly re-
commended to Officers of the Army and Navy, and Persons
going Abroad, as a preventive of those diseases so frequently
arising from Heat and change of Climate.
Prepared and Sold by J. W. STIRLING, Pharmaceutical Che-
mist, No. 86, High-street, Whitechapel, London, hi Boxes at
laid., 2s. Pd., and 4s. 6d. each ; and can he had of all respecta-
ble Medicine Venders in the Kingdom. The genuine has the
name on the stamp.
*** Ask for STIRLING'S STOMACH PILLS.

[ADVERTISEMENT.]
GAS CHANDELIERS.—There is no article of manufacture
in which so many improvements have been made :of late as in
chandeliers suitable for gas. The increased use of Gas has
(in consequence of its advantages becoming daily better ,known
led to great changes in the character of the patterns, and
manifest improvements in the style of workmanship. A vast
variety of all kinds, from the plain pendant to the most orna-
mental chandelier, may be inspected in the large show-room at
Wm. Penn Smith's gas-fitting works, 26 and 2S,lianorer-street,
near the bottom of Pulie-street,

CHRIST CHURCH NATIONAL SCHOOLS.
THE ANNUAL SERMONS in support of these
Schools will be preached, in Christ Church, (D.V.,) on
SUNDAY next, the 25th instant : in the Morning, by the Rev.
FIELDING OIYLD, Incumbent of Christ Church; and in the
Evening, by the Rev. HUGH M`NEILE, D.D., Incumbent of
St. Paul's, Prince's Park, and Honorary Canon of Chester.
Divine Service will commence in the Morning at a Quarter
before Eleven o'clock, and in the Evening at Half-past Six.

Clerk of the Peace's Office, Preston
I2th March, 1849.
EASTER QUARTER SESSIONS.

NOTICE IS HEREBY GlVEN,that the GENERAL
QUARTER SESSION of the PEACE for the COUNTY
PALATINE of LANCASTER will be holden, at the Castle of
LANCASTER, on WEDNESDAY, the second day of April next,
at Ten o'clock in the Forenoon ; and, by adjournment, at the
following Places and times, viz. :
At the Court House, in PRESTON, on WEDNESDAY, the
fourth day of April next, at Ten o'clock in the Fore-
noon.

At the New Bailey Court House, in SALFORD, on MONDAY,
the ninth day of April next, at Ten o'clock in the
Forenoon.
And at the Court House, in KIRKDALE, on WEDNESDAY,
the eighteenth day of April next, at Ten o'clock in the Fore-
noon.

And that all Business relating to the Assessment, Applica-
tion, or Management of the County Stock or Rate will com-
mence at such Sessions, respectively, at Eleven o'clock in the
Forenoon of the first day thereof.
The Attorneys engaged in Prosecutions at the said Sessions,
are requested to take Notice, that all Instructions for Indict-
ments are required to be sent to the Clerk of the Peace's Office
four days at least before the said Sessions respectively.

GORS'FS and BIRCHALL,
Deputy Clerks of the

AT a SPECIAL GENERAL VESTRY, held at ST.
NICHOLAS'S CHURCH, on Tuesday, the 13th of March,

The Venerable Archdeacon BROOKS in the Chair ;
The Notice convening the Meeting and the following Report
having been read :
',COND REPORT of the COMMITTEE (called the EQUITA-
BLE RATING COMMITTEE) appointed by the Inhabitants
in General Vestry assembled, on Easter Tuesday, the 26th
April, 1848, "To receive, manage, and apply the Voluntary
Rate, for bringing into charge all Property within the Pa-
rish, and for effecting an equitable adjustment of the Paro-
chial burdens." _ . . _ _

The Equitable Rating Committee, in submitting an account
of their prcceedings since the General Vestry Meeting in Octo-
ber last, desire, in the first place, to congratulate the parishion-

ers upon the impetus which has been given to the cause of
equitable rating in the town, by the accession of so many of its
advocates to the municipal body ; and to express their sincere
gratification at this event, indicative, as they believe it to be,
of the determination of the parishioners that their local bur-
dens is a subject which cannot with impunity be disregarded
by their representatives in the Council chamber.
The effect produced in the Town Council by the election in
November last speedily developed itself. Proposals, having for
their objectthe avoiding of parliamentary expenses in connexion
with the Bill for Rating the Corporate Estates, were made to
the parochial authorities by the Council, and were accepted, it
being agreed that the Council should give their annual claim
upon the Parish in respect of Watch and Museum Rates, and
that the Churchwardens and Overseers should, in like manner,
forego their annual claim upon the Council in respect to Poors'
and Church Rates upon the Corporate Estate; the amount of
such respective claims being Really the same, or about £IO,OOC
annually.
Thus one of the great objects for which the Equitable Rat'

I into existence was attained, without t

y attendant upon a parliaraentary

.town ,iould bear one-
half of the expenses incurred by the bill for rating the remainder
of the Dock Estate, and that the other half should be borne by
the Parish, Toxteth-park, and Kirkdale, proportionately, ac-
cordingly to the rateable value of their respective assessments.
Your Commiitee, on the 14th February, 1849, appointed a
deputation to take measures in London for promoting the Dock
Rating Bill in parliament.
The deputation, which consisted of Mr. Ferguson, Mr. Poole,
Mr. Urquhart, Mr. Dover, Mr. Birkett, and the Vestry-clerk,
were joined in London by Mr. Littledale, Mr. Parker, Mr.
Cooper, and Mr. Fisher, as a co-operating deputation from the
Town Council, and by Mr. Lowndes, as solicitor to the bill.
T' • Jeer 4.outation was to secure for t 1

parishioners of Liverpool a full discussion of their case in com-
mittee upon the bill? in order that the whole of the circum-
stances which had induced the application for the measure
should be fairly considered.

The reasonableness of this course was not, however, recog-
nised by the opponents of the bill : on the contrary, they ap-
pear to have determined, in the outset, that the measure should
• be condemned without a hearing, and for this end their efforts
were unceasing. Members of the Commons had, before the
deputation arrived, been actively canvassed against the second
reading of the bill, to prevent the hearing in committee : sr
unusual and unfair a procedure could not have been antic'
0

pated.
The deputation caused a printed paper, containing the prin•
cipal " reasons for rating the remaining portion of the Liver-
pool Dock Estate," to bf. ..c1 in the hands of each member
of the Commons.

. .
scertaming the sentiments and intentions of th(
rd to the bill, the deputation, through Mr

ardwell and Sir Thomas Birch, sought interviews with Sir
George Grey and Mr. Labouchere, which accordingly took
place on Saturday, the 17th February, the whole of the joint
deputatien being present, accompanied by both members.
Each of these interviews took place immediately after a &pu-
tation of the opponents of the bill had retired.
In the discussion of the question, which took place separately
with these members of the government, it was suggested by
them in objection to the measure, that exemption was sought

taxation of Public Property. That to tax the (locks would he
to tax the commerce of the country, and that the docks bring

On the second reading., a private bill as the Liverpool Doci
Rating Bill, provided it had combined other and different ob
jects. It was, however, shown, in reply to these objections

conceited the justice of taxing
act of 1841, for rendering mu-

to rates ; and whicl

Municipal -Corporations Act, had been held to be exempt.
That, even by private bills, public property in Liverpool had
been recently rendered contributory to rates, in the instances
of the Albert and Wapping Dock Warehouses, which form
part of the very same estate as the docks, the subject of the

Present bill. That by another private bill, (the " Bristol Docks
Transfer Act," passed 30th June, 18480 the docks of that port
had been made to pass from private into public property non-
beneficially occupied, yet their former liability to rates had
been expressly continued. That of the whole of the docks in
the kingdom, the Liverpool Docks are themselves the only in-
stance of exemption from rateability. That the progressive
increase of late years in the amount of dock dues received at
Liverpool, had justified large reductions being made from time
to time in the dock charges of the port; so that a tax upon the
docks would probvbly be met rather by a decrease in future re-
ductions than by an increase upon the present charges ; more-
over, tin tax itself, spread over the immense value of goods
brought into the docks, would be so infinitesimal that it could
not possibly affect the commerce of the country, much less be
felt by the consumer. That the docks, while they do undoubt-
edly bring trade to the town, bring also large masses of un-
skilled labourers, and

s a natural consequence, cottage
houses, such as have not hitherto contributed to rates, are
built, and the better class of houses destroyed. These la-
bourers, in the absence of employment, are thrown with their
families upon the Parish for relief ; and it cannot be admitted
as just that this burden, caused by the docks, should fall
wholly upon Liverpool, nor that the numerous non-resident
merchants using the docks should be wholly exempt from it.
That the Liverpool Dock Trustees are a trading body, dealing
in a variety of different articles, and carrying on various trades
and handicrafts in unequal competition with the tradesmen of
the town, and, consequently, to their great detriment.
For all these reasons it was contended that no just grounds
existed for opposition to the Liverpool Dock Rating Bill.
_

At the confusion of each interview it was intimated that the
intention of ministers in regard to the Bill would be communi-
cated to the deputation before Tuesday, the day fixed for its

second reading:
Now, with regard to the Bristol Act before referred to, it is
to be observed that it contains another provision which was
unsuccessfully contended for by the deputation sent from the
Equitable Stating Committee, when the Wapping Dock Ware-
house Bill was before a committee of the Commons—namely,
the incorporation of the Lands Clauses Consolidation Act. By
this act the Bristol Corporation are rendered liable to the rates
contributed by property taken down in the extension of their
dock property, and this liability continues until the substituted
property has been assessed. Bad this measure of justice been
conceded to Liverpool as it had been to Bristol, the amount in
rates formerly contributed by the property at Wappin,,', as-
sessed at .e 30,000 annually, and now being displaced by dock
property, would not have been lost, as it has been, to the rate-
payers.
It is somewhat singular that this case of Bristol should have
been so often cited by the opponents to the rating of the Liver-
pool Docks, since it has been shown that the Bristol act does
contain all that is sought by the parishioners of Liverpool. The
Equitable Rating Committee, in going to parliament, desired
nothing more than that the Liverpool Docks, belonging to the
Corporation of this town, should be placed, with regard to rat-
ing, in the same parallel position as are the docks at Bristo 1
belonging to the Corporation of that city.
Your committee had implicitly relied on the bill being al-
lowed to pass a second reading as a matter of course, when it
would have gone into committee, and they, therefore, delayed
measures for bringing the subject of the bill under the consi-
deration of individual members of the house.
The deputation found, however, on canvassing such members
of the house as they were able to meet with, that owing to the
prejudice which the activity of their opponents, aide,' by Mr.
William Brown, with the Manchester and other members, had
excited against the bill, there would be considerable opposition
to its second reading. Learning, also, from the government
their intention to oppose the bill at that stage of its progress,
the deputation deemed it expedient to withdraw the bill for the
present session.
In conclusion, your committee would beg most earnestly to
impress upon the rPtepayers of the town the necessity of per-
severing in the struggle which has now so auspiciously com-
menced. The principle of rating the docks, although nominally
in abeyance during the present session, has, in reality, been
considerably advanced by the steps which your committee have
taken. The more fully and closely the subject is pursued, the
more speedily will disappear the misrepresentations of inter-

many _ ..
ing from. the minds of mer.lberg' of the House of Com-
mons the erroneous impressions which they have received, and
also those which at present exist among the neighbouring con-
stituencies; nor can the government of the day, to whatever
party it may belong, refuse to Liverpool the same justice which
has so recently been extended to Bristol.

Signed in arid on behalf of the Equitable Rating Committee,
JOHN FERGUSON, Chairman.
It was Resolved unanimously, on the motion of Mr. JOHN
SMITH, seconded by Mr. THOMAS POOLE,
That the Report just read is hereby approved and adopted by
this Meeting.

It was resolved unanimously, on the motion of Mr. J. It
JEFFERY, seconded by Mr. THOMAS DOVER,

That the Parishioners now assembled pledge themselves to
use every lawful means to carry into effect the original inten-
tion for whieh the Equitable It Committee was appointed ;
and they call earnestly and with confidence upon their fellow-
Ratepayers to adopt such measures at the General Vestry, on
Easter Tuesday next; and by their influence with the Town
Council, when the choice of members of the Dock Committee
shall take place in August next; and also by their votes at the
Municipal Election on the Ist of November as will do justice

to all classes in the Parish, and protect its trade and property
from unfair and oppressive burdens.
It was Resolved unanimously, on the motion of Mr. SAMUEL
ORNELY, seconded by
bfr. RonEa r DRYDEN,
That we recognise and appreciate with much satisfaction the
liberal and judicious conduct of the Town Council in meeting
the equitable claims of the Parish on the Corporate Estate, and
in so arranging tile proceedings thereon as to avoid the neces-
sity of an appeal to the legislature; and that Mr. Churchwarden
Ferguson be requested to express this sentiment to the Council,
and to urge upon that body the desirableness of considering, at
this period, the means by which the rates laid by the Council
may be reduced this year. in consideration of the heavier Poor-

rate which well be immediately required in the Parish.
It was Racked unanimously, en the motion of Mr. JOHN
PEMBERTON, seconded by Mr. DENTON,
That the best thanks of this meeting. be given to the Equita-
ble Rating Committee for their valuable and efficient services
in the cause of the Parishioners.
JONATHAN BROOKS, Chairman.
The Chairman having left the Chair,
It was Resolved unanimously,—That the best thanks of the
Vestry be given to the Chairman for his able and impartial
conduct in the Chair,

CHARLES HART, Vestry Clerk

THE FINANCIAL REFORM ASSOCIATION

THE PUBLIC MONTHLY MEETING of this
ASSOCIATION will be held, in the CONCERT-HALL. Lord
Nelson-street, TO-MORROW EVENING, (Wednesday,) the 21st
instant. _ _ . _

The Chair to be taken at Eight o'clock