The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1850-10-08 00:00:00

EDUCATIONAL CARD.

ISS CARNABY begs to announce that her
..,11 WINTER QUARTER COMMENCES on the lath inst.,
and she takes this opportunity of thanking her Friends for the
patronage she has received since opening her Establishment in
Liverpool, From Miss C.'s long experience and success in
Tuition, having conducted a fir' king-off Boarding-School in.
Inverness for sixteen years,Atra from hei System of Instruc-
tion, which comprises,the thorough grounding of her Pupils,
combined with a ,sound Religious. Intellectual, and Moral
Training, for I,ltielt the Scottish system is so deservedly ap-
proved, she trusts she may expect a continuance of the Public
support. _

Miss C. has introduced Mons. ZABA'S SYSTEM of MNEMO-
mcs, which is considered so beneficial in aiding the memory
in the study of History and Chronology.

Terms may be known on application at 116, Bedford-street
South.

LANGUE FRANCAISE AND LITERATURE

EsAucc(eossforthoet
AloiiNoyspuunißverLsit.yPo.f GpaUriloL LIA E
brother and
Mr, Fabius Lea, attends professionally, twice a week, Schools
and Private Families, at Wavertree, Aigburth, Seafortb, and
Birkenhead.

Mr. G. L.'s art of teaching has been and will always be
adapted to the understanding of Pupils : all other methods dif-
ferently pursued must prove unsuccessful.
The following Works, by Mr. G. LEA,-may be had of the
principal Booksellers in Lomion.,;(=-1. "The Origin of the
French Language." 2. " Synoptical Tables of the French
Sounds." 3. "An Abridged History of France," (connected
with the English History.) 4. "French Correspondence on
Literary Subjects." 5. Lesons Fransaises." 6. "Bassielas'
Annotations 7. "Parallel between French and English Poe-
try." 8. " Employment of Intellect." N.B.—This work in
particular indentifies Mr. G. L.'s Plan of Training Pupils.
Mr. G. L. has a Ladies' Class, twice a week, at his own Resi-
dence, 35, Seymour-street.

Ensimante 41, o t trts.

THE LIVERPOOL AND LONDON FIRE AND
LIFE INSURANCE COMPANY,
s, WATEIt-STREET, LIVERPOOL,
20 & 21, POULTRY,

AND
28, REGENT-STREET, WATERLOO-PLACE, LONDON

Liability of the Proprietors unrestricted. Moderate Pre-
miums in the Tire Department. --
Guaranteed Bonuses arlptlier peculiar advantages in the
Life Department.
Policies, insuring thwollue of Leasehold Property at the ter-
mination of the Lea, are also issued.

Persons whose YOlicies with this Company expire on the 29th
instant are respectfully reminded, that Receipts for theiZenewal
Of the same will be found at the Read Offices in" Liverpool
and London, and in the hands of the respective Agents; and those
who, preferring the security offered ,by this Company,-may de-
sire to -remove their Insurance, are informed that no expense
wilt be incurred by such removal.
SWINTON BOULT, Secretary to the Company.

BENJ. HENDERSON, Resident Secretary, Lo-ndon
September.. 1850.

_~ 1

all' LEEDS AND YORKSHIRE
rt ~ L FIRE AND LIFE ASSURANCE
, Ct OIPANY.
Established 1824.—Capital One Mil-
. ..,

tcc
i 1 - • ~' lion.
VI,
t't ''.• 1 . that the Renewal Receipts for Policies
Al., '
,3 falling Due at MICHAELMAs, or SEP-
", A
TEM BIM 29,arenow ready for Delivery.
.;
114 ,
FIRE INSURANCE.
''
~
4,,, ,
, 1, The Three ordinary Classes of Insu-

ranee are charged afier the respective
Rates of Is. 6d., 2s. 6d., or Is:M. Premium per Ceut Annually;
Farming Stock in One Sum,. without the average clause at 4s.
per cent; Mercantile. Risks in Liverpool and Birkenhead at the
current Rates of Premium; and Mills and other Special Insu-
rances at Rates proportioned to'the Risk.
The Assured in this Office are allowed a present Discount of
Five per Cent. on the amount of all their Premiums of Fire
Insuranee.

LIFE INSURANCE

The Premiums row red. are calculated from a Life Table
formed expressly for this Office, and the Assured, while they
have the protection of a Subscribed Capital, are entitled to par-
ticipate to the extent of THREE•FPTHs of the Profits; or Insu-
rances may be effected at Reduced Rates, without Profits.
Table of Rates may be had on application at the•Ofltce, in
Leeds, or of any of the Company's Agents.
By order of the Directors,
B. F. SCOTT, Secretary.
Office, Commercial. buildings, Leeds, Sept. 26th, 1850.

AGENTS FOR LIVERPOOL :
Mr. Edward Tennant, Talbot-chambers, Fenwick-street.
Messrs. Harpin Brothers,Ployal Bank-buildings, Dale-street

EQUITABLE FIRE O•FFICE,
(Incorporated under 7 and 8 Vict., Cap. 110),
26, CORNHILL, LONDON,
80, PRINCES STREET, EDINBURGH -3 6, COOK STREET, faVER-
. POOL ; tG, COLLEGE GREEN, DUBLIN.

CAPITAL?..zoo,coo.

DIRECTORS.
T. Lamie Murray, Esq., Chairman

.. . .
W. A. Burlton Bennett, Esq. 'William Richardson, Esq.
Hugh Croft, Esq. John Shaw, Esq.
Ralph Gough, Esq. Edmond S. Symes, Esq.
M. C. Maher, Esq. Clement Tabor, Esq.
John Moss, Esq. Augustus Vigne, Esq.
John Rawson, Esq.

The difficulty of collecting the elements on.which to propor-
tion premium to risk in Insurance-against Loss by Fire has
been so great, that the rates at present clii.rged are mere the
result of guess than calculation.
It has been fouml by experience, that the total annual losses
of the different established Companies have not been propor-
tionate to the amotmt.of annual premiums received by each.
It is of the highegoimportance, both to the Insured and In-
surers, that such it anomaly should cease, and an approxima-
tion to the true" risk be made. To secure this object, the
Equitable We Insurance Company is established.
The true rate of premium for Fire Insurance can only ,be
approached through Classification and Average, which has•not
hitherto teen sufficiently acted on, or systematically applied.
Whatever be the nominal rate, the bonus or return periodi-
cally 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 care-
ful combination of Claseification and Average, the premium
will be proportioned to the risk.
The Equitable Fire Office will, by a constant analysis of its
own experience, from ,time to time, adopt such rates of pre-
mium as the nature of the risk may justify, and will decline
to enter into arrangements as regards tariffs with other offices.

With this view an annual investigation, will be made into
each class of risk, and a return of one moiety, or fifty percent.
of the nett excess will be made to all classes of Insurers whose
policies have been in farce for three years.
Insurance against Loss by Fire are effected by the Equitable
Company upon every description of Property on the lowest
terms.

Farming Stock insured-at as. per cent., without the Average
Ciause. _ _ _

Prospectuses, and every. information, maybe obtained, on
application at the Office, or to any of its Agents.
D. T. L. CLANCJIY, Secretary.

AGENTS.
Mr. JAMES IRVINE 6, COOK-STREET, LIVER POOl
Messrs. Duffield, Lofthouse,} Princess-street,,Manchestet
mid Co •
Mr. Henry Hayes Phcenix-place, (Wham
Mr. Thomas Lund Blackburn
Mr. Isaac Kitchin Burnley.
Mr. James Butterworth, Nue.
yßochdale
flower, &c
Mr. Thomas Croft
Mr. John Deakin.
Mr. C. J. Douglas, Brookshaw }Bury
House

Freston.
Fleetwood

BOROUGH OF LIVERPOOL, to wit.
GILBERT HENDERSON, ESQ., RECORDER.
THE COURT of QUARTER SESSIONS of the
11 PEACE for the BOROUGH will be held in the Sessions
house, Chapel-street, on MONDAY, the Twenty-first day of
October instant, at Ten o'clock in th renoon.
No Traverse will be tried u entered on the first day of
the Sessions, or previous t the Office of the Clerk -of the
Peace, No. 4, Brunswi treet.
All Indictments Esdemeanours found at these Sessions,
against persons-admitted to Bail, must be entered for Trial
before Twelve o'clock on the day after the discharge of the
Grand Jury, or the Triarwill stand over.
WRIGHT, Clerk of the Peace.
Clerk of the Peace's Office' Liverpool,
sth October, 1850.

MRS. KING •or Messrs. WALL.--Should this
meet the eye of Mrs. KING, who is suppcsed lately to
have resided near Liverpool, or either of the Messrs. Wall, her
brothers, and who•it is believed were in the East India Com-
pany's Service, and who are .the children of the late Wall,
Esq.. formerly an•officer-1n the British Army, and they will
acquaint the undersigned with their address, they will HEAR
of SOMETHING to their ADVANTAGE. Information of the
above from any other party is requested to be addressed to Mr.
JOHN P. SHAM, Bookseller, 27, Southampton-row, Russell-
square, London.