The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1848-03-14 00:00:00

which a great deal of insurance business is done; and it is very THE NEW BISHOP OF CHESTER.
apparent how greatly such a system must withdraw the profits We announced last week the appointment of Dr. John
from those who alone contribute .to their being formed. Even
in this Institution, low as the'premiums for the younger liveis Graham to the Bishopric of Chester, and we are now able
t
Cleg
are,
horn for the expenses of management androvision was a
ontinge for c mde by Mr.
nt osupply a few particulars connected with his lordship,
losses, that there must ultimately be very considerable profits which will be interesting to our readers.
realized; and surely those by whose contributions such profits Dr. John Graham, who is a native of the city of Dar-
are realized ought to draw them. This is the principle on which ham, iS, we believe, about 55 years of age. Like many
the main improvement made by Mr. Cleghorn hinges. And,
though the prosperity of this Institution has been very remark- others on the episcopal bench our future bishop has no
able, lam far from being surprised at it ; and lam persuaded high descent to boast of. His father and mother were
that, the more its principles are known and studied, the more persons in humble life, but of great respectability. John,
favour will it receive from the public. I desire to make no in- ' their only son and child, was a King's scholar in Durham
vidious comparison with other similar Institutions. I rejoice Grammar School, under Dr. Britton ; and, from January
in the prosperity of all of them, because I see in that. prosperity to October, 1812, he took private lessons in mathematics
much that must conduce to the moral and economical welfare from Mr. Carr, Dr. Britton's successor in the school, who
of the community. And all I wish is, that, in the details of
their management, they shsuld be guided by sound and scien. had a high opinion of his talents and attainments. In
tific principles. I observe that, every year since the corn- October, 1812, Mr. Graham took up his residence in
mencement of this Institution, its business has been steadily Christ's College, Cambridge, where he graduated as fourth,
and progressively increasing. I see that, during its first year, wrangler in 1816. In the same year lie obtained a chan-
-182 Policies were issued, and that, in each succeeding year, the ~ ,
c.e.dor s medal. In 1830 he was elected master of his col-
they amounted to 472, being
number has been regularly increasing
56 above tine pr till,ece durin
din g
year. last y Al' ear
' lege, when he took the degree of Doctor of Divinity. In
g
low me, then, to congratulate this meeting on the growing 1831, and again in 1840, he served the office of Vice-chatt-
prosperity of the Institution, and to propose the following mo- cellor. His lordship is a prebendary of Lincoln, and is also
g chaplain to Prince Albert. He is married to a daughter
, lion which has been put into my hands?—" That the Meeting
approve of the Report by the Directors, now read, and confirmll of the late Bishop Porteus, and has a numerous family.
In Nov., 1846, when Dr. Short was translated from
f-
the appointments thereby made • farther, approve of the Bill
f- introduced into Parliament by the Directors, entitled ' A Bill
E for Incorporating the Scottish Provident Institution, for con- the see of Sodor and Man to St. Asaph, Dr. Graham was
Arming the Laws and Regulations thereof, for enabling the said recommended by the government as Dr. Short's successor
Society to sue and be sued, to take and to hold property, and to the former see, but the appointment was declined by
Dr. Graham, when the late lamented Archdeacon Shirley
for other purposes relating to said Society,' which has now been
read ; and of the alterations upon the Deed of Constitution was promoted to the bishopri
proposed to be thereby effected ; and authorise the Directors c•
to proceed with the requisite measures for having the Bill kept aloof very much
We believe that Dr. Graham has i
passed into a law, subject to such alterations as may be made from the contending parties in the church, bul he is obv -
by Parliament, or as may be considered expedient by the ously averse to all unnecessary innovation. Though in '
Counselto whom it shall be remitted by the Directors for politics he is even more than a Whig, we hope, from all
sal.
Mr. JOHN M'CRAW said, before agreeing to adopt at once the we bear, he will be found a conservative of the real in-
latter part of the motion, although I have every confidence in terests of the church. His lordship is of middle height,
the Directors, I would like to be informed what are the precise slender anti delicate-luoking, and his manners are ex-
' alterations which the Bill referred to makes in our Deed of tremely mild and amiable. He has always manifested the
Constitution ? utmost anxiety for the promotion of true religion, and is
Mr. JOHN HUNTER, jun., said,—lt is quite proper .that Mr. described as an admirable preacher; and there can be no
L M'Craw should be satished upon this declaration Bill, in the doubt that his lordship is a very effective and graceful
r very first clause, contains a distinct —" That no-
public speaker; and though lie is not vet entitled (being
thing herein cos tonic(' shall relieve or discharge the Society
from any contract, responsibility, debt, engagement, or obli.. junior prelate) to a seat in the House of Peers, he will, if
gation to which the said Society is now or shall be hereafter ever he attains that distinguished honour, prove a very
liable, but the same shall continue as if the Society had not powerful debater in any argument to which he may address
been in !orporated under this Act ; and farther, that nothing himself.
herein contained shall be held to invalidate or affect the Deed
of Constitution, and Laws and Regulations of the Society, or With all his attainments, however, it will be no easy
any of the powers therein contained, or any of the Bye-Lawson task for his lordship to fulfil the duties of his high posi-
other alterations of the said Deed of Constitution, made or to tion with the same exemplary diligence, humility and
be made, in virtue of the powers given by the said Deed, except- characterised our revered and
ing always in so far as the same are expressly altered or varied now worthily exalted to the
by this Act, or are or shall be contrary to the true intent and
meaning thereof." I can assure Mr. ISl•Craw that there are no
alterations whatever on the Deed of Constitution, except in one
or two minor matters, rendered necessary by the extension of
the business to England. Indeed, I may say that the only
alteration is that on the arbitration clause. By that clause of
arbitration, as it stands at present in the Deed of Constitution,
---

every person who may have a disputed claim against the Society
is bound to enter into a reference before the Sheriff of Edin-
burgh, This clause would of course he very unsuitable in the
_ _

case of Members resident in England, and at was therfore in:

faithfulness as invariably
beloved diocesan, who is
primacy of England.
(From the Cambridge Chronicle.)
Perhaps there is no member of the University who en-
joys a higher character for learning and abilities than Dr.
Graham ; and there is none whose character is more
generally and deservedly popular. His talents are un-
questionably of the highest order. He took his degree
of B.A. in the year 1816, when he acquired honours sel-
dom equalled, very seldom surpassed, bpinr
Vir”^- _

aispensable that some alteration should be made upon it in the
Act of Parliament. The Bill, accordingly, does not make it
obligatory on parties having claims upon the Society to go into
arbitration at all. It Fives them the option either of proceed-
ing to enforce their mhts by the ordinary modes which are

.angler in a very distinguished. year (the first
iranglers were Jacob, Whewell, and Higman),and being
placed equal with Mr. Lawson, of Magdalene college, for
toopetwnotopaalrlt, i
eosr
mutuallyt insisto on
chosen.tthe Chancellor's Medal; thus exhibiting equally brilliant
.8..--
awtastaisnomonenatsssoinci,amteadthinentshaetitucalitiaonndofclassical studies. He
his college, to which
England, the arbitration may now take place there, instead of he rendered in this office such important services that
theSocietyl r theen
partiesi:er!n i into
are
residenta reference
in
n
forcing them to go before the Sheriff of Edinburgh. This, it when the mastership of the college became vacant in the
will be observed, is a provision wholly in favour of the Members
and others, who may have claims on the Society. In all other year 1830, by the resignation of the present Bishop of
respects the Bill confirms the provisions of the Deed of Consti-
Lincoln, he was unanimously elected to succeed him. In
tution, and merely confers on the Society and its Members the this office, besides the ordinary duties of a Head of a
valuable benefits and privileges usuallygranted to incorporated House, in which he has shown great judgment and dis-
bodies, which carry on business in Scotland, England, and cretion on all occasions, he has been frequently called
Ireland.
upon to act as Examiner of the Classical prizes of the uni-
Mr. J. F. MAcrARLANE said, I have been unexpectedly called
of
upon to second the motion approving of the Report, which has versity, in which character he has always given proof
now been proposed by Professor More. Although I cannot .great discernment and integrity. He has never published
enter so minutely into the question touched upon by the any work of importance, so that Isis character for learning
Learned Professor, as I have had my attention more particu- rests on his early honours, and the testimony of those
private opportunities of judging of the
g
Institution, with which I am connected, yet, at the same time,
additions he has since made to his stores. -Y
fore, have scarcely been anticipated; and it is peculiarlYagrati- i I look on all these Institutions as brethren, having one great The gift b
fying, as an evidence of the extension of Life Assurance gene-' -object in view. The business of Life Insurance is only in its which he is most remarkably raised, perhaps, above aU
rally, and of the growing conviction on the part of the public 0f,,, infancy. Every one of such Institutions just appears to me to his contemporaries in our learned body, is him ^'- -
the advantages offered by this Institution. It is interesting at ' form one of our nationaldefences. We have heard a great deal whether in written or extemporary (1'
the same time, in a general point of view, to notice that, so far. I about this of late ; but it appears to me that, as Institutions of quickness and tact with which he
as the Directors had the means of tracing, only a very small; this kind spread, every one of them will form a guarantee for points in any discussion, and the felicity and fluency
proportion of the Assurances were made in connection with t the preservation of good order, and for peace and security pre- of the language in which he . clothes his opinions, are
loans, nearly the whole having been effected for purposes of: vailing here and elsewhere. Certainly were they universal, our
family provision. The effect of the commercial occurrences of; naval and military establishments might be dispensed with al- extraordinary. Perhaps on no occasion has his power
the past year, and of the general scarcity of money, has, how- together. (Hear.) In reference to the Bill which the Directors in this way been more remarkably displayed than
ever, been shown in a different way—in the unusually large ' have submitted, it is well that the question has been put by Mr. when he was called upon as - Vice-Chancellor to
numberl of Assurances which have been surrendered or allowed M'Craw before the approval of the meeting is given. But, after compliment Lord Lyndhurst on his election to the
to expire, from inability to continuepayment of the Premiums.: it has been put, and distinctly answered, every one of us must
olHigh-StewardUniversity. pp _
While this is a result which, in its general aspect, is to be re- . be satisfied there is no invasion of any right which any. artner office e of the The ha iness
with which he contrived to mark his own dissent from the
gretted, there is no doubt it is yet a source of considerable gain holds, or any thing introduced that is calculated to injure, but
to the common fund. only what is essential to the proper conducting of the business choice of the University, not only without offending, but
The number' of deaths in the year of Members assured for of the Institution. As the passing of an Act of Parliament is even so as to add to the force of the compliment which it
capital sums has been 32, and the amount of claims thereby ' a measure of considerable importance to the Society, I think was his duty to pay, won the admiration of all who read
emerging £17,800; on the other hand three Annuities have this motion will now meet the cordial approbation of every his speech, which was accurately printed. His co,--'
fallen in, for two of which sums amounting to £l5OO had re- . gentleman present. (Applause.) On thegeneral advantages of
cently been sunk. The third was of smaller amount; Consi- Life Assurance, were they not now so well known, one would
dering the almost unprecedented mortality over the country, like to talk a while; for there is nothing which can give zreater readiness with which he a ,
the Directors dn not doubt that Cl,, rnntrn5.,+.........- ~, ,and candour on all occasionsiw ,ofpublic disri,--'

...r wollia DC pre-
pared to expect a higher rate in their own body than has occur-
red hitherto, and they consider they have cause for congratula-
tion in the fact that, notwithstanding their increased numbers,
and the now advanced age of some of the members, the deaths
the year do not 'e!ed one and a' nt. P'

___ quarter er
whole number, a proportion considerably short of the avoerage
number provided for by the Tables of the Society.
The net amount of Assurances subsisting at 31st December,
1847, was .e 1,137,657 95. ; and the income from premiums
alone, exclusive of revenue from accumulated fund, 431;34+.
The position of the London Branch has occupied much of the
attention of the directors, during the year. After mature con-
sideration, they were unanimously of opinion that it was essen-
tial for the interests of the Society that a new agent should be
appointed to conduct the business or the Branch. Unfortu-
nately, some difference of views regarding the constitution of
the Branch, in relation to the general management of the
Institution, occurred between the General Board And the Local
Directors, which, they regret to say, resulted in the resignation
of the latter gentlemen. To their influence is, undoubtedly, in
a great measure, to be attributed the decided success which
has attended the establishment ofßranch; the and it is grati-
fying therefore to-Ow, as the Directors do
Ili-from the best of
all evidence, that their withdrawal has not in any way dimi-
nished their good will towards the Institution, and that their
influence will still be exerted in its favour.
The Directors do not propose to supply. their place in the
mean time, but to conduct the business in immediate connec-
tion with the Head Office—for which the rapid communica-
tion between Edinburgh and London now affords increased
facility.

Their have appointed Mr. WILMER ONES HARRIS to the
office of Agent and Secretary, and they trust that, in this
appointment and in their other arrangements, they have made
provision for the continued and increased success of the Branch.
In regard to the Glasgow Branch, the directors have much
satisfaction in reporting that its progress is, in all respects,
satisfactory, and that a large increase of business has been
made in the year. They have also the pleasure of reporting the
continued interest taken in the Society by the gentlemen asso-
ciated as an Honorary Board in Manchester.
In the circular letters and advertisements calling this meet-
ing, the contributors were made aware that the preliminary
steps have been taken for obtaining from Parliament an Act
conferring on the Society the privileges and benefits of Incor-
poration. The Bill contains a few slight alterations on some
of the minor details of the deed of constitution. Thesehave
already, been unanimously approved of by two consecutive
special meetings of the Board of Directors, to the latter of which
the Auditors and Trustees were invited—all in terms of Act
37 of the Deed of Constitution.

The Directors have further to report that, a vacancy having
occurred in their number, by the resignation of Mr. Robert
Robertson, they unanimously nominated Mr. AITKEN MEGOET,
one of the original Directors, in his place.
A vacancy having also occurred in the body of Trustees, by
the death of one of their number, the Directors unanimously
appointed to that office Mr. CHARLES COWAN, Member of Par-
liament for the City.

It remains for this meeting to confirm these appointments,
as well as to appoint three Directors in room of the three at
- the top of the list, who now retire in terms of the rules.
The beads of the Bill for Incorporation, referred to in the
report, having been read, and the Bill laid on the table—
Mr. Jon si SCRAM( MoRE, Professor of Scots Law in the
UnKersity of Edinburgh, said, —I have been somewhat unex-
pectedly called upon to propose a motion for the adoption of
this meeting, which, however, I do with the greatest pleasure,
because I have always taken a deep interest in the success and
prosperity of this Institution. I had many interesting consul-
tations with my late friend Mr. Cleghorn, before this Institution
was formed, and I was so satisfied of the sound and scientific
principles on which it was based, that I never doubted that, as
soon as they came to be understood, it would meet with that
general favour and support which I am glad to see it has, to
such an extent, received. There were two great principles on
which Mr. Cleghorn proceeded. The first was to make the
Premiums as low as was consistent with the entire safety of the
Institution, and so as to secure, beyond all risk, the fulfilment
of its obligations. In this respect, most of the existing Assur-
ance Companies had been misled by the Northampton tables,
and had made the Premiums for young lives—in which I in-
clude ages up to fifty or so—much higher than was necessary,
while their tables for the older lives were somewhat too low.
This error was perceived by Mr. Cleghorn, who, from more
recent and better calculated mortality tables, found that the
premiums for these younger lives could be safely and very con-
siderably reduced; and he framed a table which all subsequent
experience has proved to be singularly correct. lam happy to
say that, since this table was framed by Sir. Cleghorn, the
Registrar-General of England has appended to one of his late
Reports a table for the guidance of Life Assurance Societies ;
and it is very gratifying to find that the rates specified in that
table are nearly the same, and in many instances precisely the
same, with those of this Institution. -Now one of the chief and
immediate benefits resulting from this reduction of the pre-
miums upon the younger lives is, that it operates as a direct
bonus in favour of every Insurer, when the premiums of this
Institution are contrasted with those payable to the older As-
surance Societies. It operates in this way. A person of twenty
years of age, insuring with this Institution, can, for the pay-
ment of the same annual sum which otheroffices would demand
for insuring £lOO, insure here £ll5 or £l2O. payable imine-
j diately on his death. The Premium payable to this Institution
for 4100 is .41 150.8 d., while, in other Offices, it is .4'2 Is. M., or
or .42 3s. 2d., and, in some, still higher. There is thus an
immediate and certain benefit secured by the lower rates of
premium. But the second, and most important improvement
suggested by Mr. Cleghorn was this, that if any profits should
be made, after paying all expenses and securing all the obliga-
tions, as insist be the case, even at his reduced rates of pre-
mium, these werenot to he frittered away among those insurers,
or their representatives, whose contributions to the general
fund could never possibly have tended to make such profits,
but should be reserved for distribution among those contribu-
tors whose payments into thegeneral fund had come to be equal
to the sum assured: The importance of this improvement has
never, I think, been sufficiently estimated. And truly the
practice which has prevailed in several highly respectable and
flourishing Mutual Assurance Societies, of giving a share of
what they call their bonuses or profits to the representatives' of
every insurer, who has been such for five years, is, to say the
least, very strange, and seems to indicate a very limited know- ,
ledge of the true principles of Life Assurance. It reminds me
of the old rule by. which originally all lives, whether young or
old, were equally insured at the same invariable rate of 5 per
cent. The absurdity of this rule was soon- discovered ; but
truly the other is not much less absurd. Why, in five or seven
years, every life should get the same share of what are called
profits, is utterly incomprehensible. The delay is plainly in-
tended to approximate somewhat to the sum assured ; but this
can never be done upon reasonable principles, till there be a
graduated scale, corresponding to the age of the parties, ac-
cording to which the profits- shall be distributed among the
policies Is hick fall. If any Office were to insure a person at 75
years of age, which, I dare say, few Offices would do, I have no
doubt the premiums would be so high that, in five years, it
would approximate to the sum insured ; and if this sum were
£lOO, and if 2 per cent. yearly of profits were to be added, for
each of the five years, supposing the policy then to fall, the sum
payable would be 4110. But suppose a young man of 20 to
insure 4'loo at 41 a year,- and to pay the premium for five-
years, and then to die, his representatives would equally draw
2 per cent. yearly upon his policy, and would also get 4110, so
that mill that the office would receive by this transaction would be
the interest upon the premiums which had been paid. Nothing,
surely, can be more absurd- than- this. It might be thought
that these representatives, drawing the 4100 insured, or 400
more than they had paid into the office, would get a sufficiently
handsome return for the policy ; and whs.s over and abeve.,
they should have all the premiums returned to them, tinder the /
utinie of kraus, 1 CUITIOt conceive, Yet this is the footin upon

securit
provisi
into th

comfort to a family than- the knowledijiiat—a complimentary thing that could be
secured for them. But it is unnecessary to enter friend or opponent, coupled with gre
Mow me, therefore, just to congratulate the mem- ness of disposition, has won for bin
great and extraordinary advances, which, under 1 especially of our fellow-toy
PAII4 rironmetntlens *hie Pririatv hno asses,

seizes the salient

slop, an

I, to every body,

_ .....
no doubt that it will go on at such a ratio as will Prove highly And here, were the occasion other than it is, we
satisfactory to all parties. I have much pleasure, therefore, in delight to stop. 13ut dealing with circumstances
seconding the motion for the approval of the Report. ing.; the interests of the Church and holding the opinions
The motion was then put to the Meeting by the Chairman, which we do, we feel ourselves reluctantly compelled to
and carried unanimously.
Mr. WILLIAM JOHNSTON'? of Kirkhill, said,--I rise to ask qualify our admiration with one draw-back,
you to join me in a very pleasing duty, that of returning thanks uowever, others will think the more hih
to the Directors for their valuable services during the past course which we disapprove ; and they
year. I feel very sure that, when we think of the great extra whom power is now lodged,—both which assertions ... labour they have in perfecting the matterof the London agency proved by the very appointment we announce. May we
as well as framing. the Bill now before Parliament, which I then be allowed to say that we cannot but fear that .^
trust will soon be the law of the land ; and, above all, when we
,-, , . ~, , . ...._ . .. ..

hly of him for the

are those with

1r think safe ?

111I1K OF mile great extra services necessary to transact such a uranam is intely to give b. ts
large amount of business, now in connection with the institn- rim views in the Church than we app,;.,.tion,owe must be at once prepared to give them our warm and We are led to entertain this apprehension, not from an.,
hearty thanks. (Applause.) opinions to which he has given public expression, but
Mr. WILLIAM Cii cacti, jun., of GI/mew, seconded the mo- from the part which he took when it was the aim of Lord
lion, which was carried amidst acclamation.
Melbourne's Ministry to open the old Universities to Dis-
Mr. C. J. KERR, banker, said,—l am sure the Meeting will
join with equal cordiality in tendering a similar colliment to centers. Many years have, however, passed since that
the Boards at Glasgow and Manchester. (Applause. occasion, and more correct conceptions as to the Church
A rote of thanks was also given to the Auditors an Trustees
siau,nrbdujseUtitnngoivfethrhsiasitticestohnidsmuiatt
wthlia,
terhec
regard
gee
ae,
inw. d
ef
toowr formed by
gcl
oy l
IpDeagrses.
Statutes,Graham,ov er
th
and. to the Office bearers of the Society.
The management for the ensuing year was then vested in the
'lntrince tz...,.1.,.,...-- ~ .
g with the remark that at the time it was unexpected from
him, and caused some coldness towards him in the Uni-
versity, and is even thought to have shut him out from
the chair of cur most ;prominent Divinity Professorships
for which his learning and abilities eminently qualified
him. We sincerely wish that his career in his new si-
tion may be free from all like objection, and full of '
and usefulness.

uelluemen ; me three last-named Directors bein
elected by the Meeting, instead of those who retired by rota
tion

DIRECT
Charles Morton, Esq., W.S. ORS.
George Meikle, Esq., Merchant.
Aitken Megget, Esq., Merchant.
Alexander Jamieson, Esq , Merchant.
John Parker, Esq., Stamp Office.
James Cowan, Esq., Paper Manufacturer.
John Hunter, junior, Esq., W S.
Alexander Keith Johnston, Esq., Geographer to the Queen
William Oliphant, Esq., Publisher.
William Fraser, Esq., W.S.
Archibald Thomson, Esq., Merchant.
Charles Black, Esq., Publisher.
Robert Hunter, Esq., Sheriff of Bute.
Francis Richardson, Esq., Merchant.
James Cathcart, Esq., Wine Merchant, Leith.

- AUDITORS.
C. W. Anderson, Esq., Merchant, Leith.
James Crawford, jun., Esq., W.S.
Alexander Bryson, Esq., Watchmaker.
TRUSTEES.
David Hector, Esq., Advocate.
James Alexander, Esq., Wine Merchant.
James Peddie, Esq., W.S.
William Campbell, Esq., of Tillichewan.
Charles Cowan, Esq., M.P.
Bankers—The National Bank of Scotland.
Medical Officers.
Sir George Ballingall, Professor of Military Surgery.
Dr. James Duncan, 12, Heriot-row.
Solicitor—William Pollock, Esq., 13, York-place.
Manager—JAMES WATSON. Secretary—JollN WATSON

LIVERPOOL.
Medical Officer—Dr. Moffat, 37, Bedford-street North,

Agent
WM. HASLITT and Co.,s,
13, Oldhall-street,
From whom Tables'of Rates, and any Papers connected with
the Institution, may be obtained. • '

BOROUGH OF LIVERPOOL TO WIT.
T a MEETING of MAGISTRATES, held in the
Sessions House, on WEDNESDAY, the 9th day of March,
1848.

The Worshipful the MAYOR communicated to the Meeting
that he had received from the Stipendiary Magistrate a copy of
. a•placard which bad been presented by a Deputation of Porters
to that gentleman, this day, in the Police,court.
The Magistrates attentively considered The complaints made
by the workmen, and they were of opinion that the system of
employing Master Porters being according to the law, the Ma-
gistrates have not the power to alter the conditions upon which
the work is now conducted in Liverpool; but the Magistrates
observed, with great regret, that according to the statements of
the workmen, some of those now acting as
"Master Porters pay the men in public houses, and often
employ the drunkard in preference to the sober man, as the
former is more likely to spend his wages."
And that

".Some of the Master Porters keep lodging-houses, and will,
therefore, employ the single man in preference to the married
man, who lives with his family, as the former is more likely to
lodge with him."

Miss Poem—This fascinating vocalist is,fwe perceive,
announced to appear in Liverpool on the 27th.
The fire in Rock Ferry Church did not originate in any
way from the stove, we understand, fitted up by Mr.
Bennett, of St. Thorhas's-buildings; and it has been
ascertained beyond a doubt that it was not in any way
connected with the disaster. The respected incumbent of
the church has himself borne spontaneous testimony to
this fact. "I am persuaded," says he, " that the stove
is not in any way the origin of the fire in my church. In
this 1 am corroborated by all the practical men I have
called in to assist me in forming a judgment. My confi-
dence in it is as great as before. No opinion whatever
can be correctly formed of the cause, as I am persuaded
no negligence existed on the part of the church officers."
FIRE IN BIRKENHEAD.—On Sunday last, about six
o'clock in the evening, the house of Mr. Whitney, Albion-
street, Grange-lane, Birkenhead, was discovered to be on
fire, The family, with the exception of a girl who wag
asleep up stairs, were all at church, and the fire was first
discovered by the neighbours, who supposed it proceeded
from a chimney. On seeing the flames burst out of the
windows, however' they attempted to gain admission
through the shop, but on account of the fire they were
unable to do so. At length they effected an entrance
through the back and rescued the poor girl from her peri-
lous situation. When brought out she was insensible,
and appeared to be severely burnt about the neck, face,
and hands. Before the engines could arrive, almost the
whole of the furniture, &c. was destroyed. The origin of
the fire is a mystery.
DEATH FROM SUPPOSED FOUL PLAY.—An inquest was
held yesterday before the borough coroner, on viw of the
body of James Eaigleson, who it was supposed had come
to his death by being severely assaulted. Deceased was
formerly master of a Scotch trading vessel, was about 48
years of age, and lodged in Ironmonger-lane. About
three o'clock on Wednesday afternoon, he left home, and
appeared to be then quite well. On the same night,
about ten o'clock, police-constable Try-as found dedeased
in School-lane, lying on the fo3twalk, with his back against
the wall. He appeared to be much intoxicated, and could
not speak. His lips were much swollen, and there was a
quantity of blood upon his clothes. Assistance was got,
and he was carried to the main bridewell, where he was
r. •

booked for safety, but he could not then give his name.
All that was found upon him were some keys, a knife, and.
a letter. A surgeon was called to him, who bled him, and
applied the stomach pump, but nothing was taken from
him. He was attended all night, and appeared to recover
At seven o'clock next morning he was able to sit' p, at'
gave his name. 3y ten he appeared much better. "
only outward marks of violence were on his lips ani
He was shortly afterwards taken home in a car. '
next day he became much worse, and died
He complained to his landlady of being
said he did not know who had done it.
home on Wednesday, he had his watch and soma money
on him, which he had not when he was taken into the
Bridewell. He was sober when he left home, but hid
drunk a little. Early on Friday morning he told the
master of a vessel in the house that some person had abused
him, but did not say when it happened. When asked who
did it, all the reply which he gave was, " they kicked me."
Mr. Pitcairn, surgeon, said lie found numerous marks -
the ribs on the left side, He found the lungs eng'
with blood and serum, and highly inflamed. This r
cause of death, and_the result of external viol'

If appears to the Magistrates that these are practical griev-
ances which the local authorities 'may redress, and the Magis-
trates resolved to recommend to the Dock Committee immedi-
ately to take away th" licenses of all Id aster Porters who keep
public-houses, or pay men in public-houses; and also, to take
away the license of any Master Porter keeping a lodging-house.
To the other objections stated by the workmen, the Magis-
trates have to remark, that these objections are to the law of
the land, which the Magistrates have no power to alter. If the
workmen desire to have that law altered, they must petition the
Legislature to repeal it, and
who
that purpose they should send
a deputation to the Mercantile Associations, ho .no doubt,
be glad to meet and to discuss the propriety of petitioning for
an alteration of the evil of which the workmen complain.
The Magistrates most earnestly implore the workmen to ab-
stain from, continual large assemblies, either on the Exchange
or elsewhere. Such meetings may have the effect of inducing
disturbers of the peace to interrupt the tran9nility of the town,
and' render necessary measures of repression, to which the
Magistrates would resort with great reluctance, though, in the
discharge of their duties, they are prepared with firmness to
prevent any evil-disposed persons from disturbing the public

Signed on bebalf of the Magistrates,
THOMAS B. 11011.SFALL, Mayor
Town-hall, 9th March, 1848.

WHEREAS, a Fiat in Bankruptcy, dated the
second day of March, 1848, directed to her Majesty's
District Court of Bankruptcy at Liverpool, lath been awarded
and jostled against JOHN C.kIITER, of Liverpool, in the
county of Lancaster, merchant, dealer, and chapman, and he,
having been declared bankrupt, is hereby required to surrender
himself lo EBENEZEU Lt7nLow, Seijeant-at-law, one of her
Majesty's commissioners of the said court, on the 17th day of
March instant, and on the 18th day of April next, at Eleven of
the Clock in the Forenoon precisely, on each of the said days,
at the District Court of Bankruptcy, at Liverpool; at each of
the said meetings the creditors may com&prepared to Kove
their debts ; and at the first sitting the said bankrupt is required
to submit himself to be examined touching his estate and effects,
and the creditors may then and there vote. in the choice of.
assignees ; and at the second sitting the said bankrupt is re-
quired to make a full disco Very and disclosure of all his estate
and effects, and finish his examination.
Notice is .kerebv g'ren to all persons -indebted to the said'
bankrupt or his estate, or that have any of his effects
-liver the same but to Mr. WILLIAM Bu)

ut the

Dye, all over,

When he left

witness saw him-on Wednesday near the Canning DoCk,
'and he then had his watch round his neck. His watet
might have been in his pocket.—Another witness, a pf
lice-officer' was spoken to by deceased on Wednes'
night, and deceased, after saying he had be air
pointed towards the houses opposite, and sail: it was
it happened. As some other witnesses had to be e
mined, the coroner adjourned the case WedneP
The Birmingham pork pies, ad--
day, by Mr. Newbold, are most excellent
will establish their character. Thet,
and in the paste present a lightness and crispness h 4,
desirable. The prices are extremely moderate.
EMERSON'S PATENT CEMENT PAIN"'
on which this paint is manufactured i
and though we ar,

rtised in

Ir paps

single trial

Tlie principle

re united by electricity, ande whencomponent exposed toarticles the
mospheric air, become perfectly hard and irresistible to
eather. For outside work it is excellent, and the ne4-er
imitation it bears to stone--being devoid of the glossy
appearance of oil colouring, and possessing all its dura-
bility—must be decidedly preferable:l For: interior
works it is also roost useful, as, unlike common white

Pay or do
count, South Cast"(

1)0t to

washes, it will not rub off. It is 'manufactured in every
mineral enlonr. The patent here is being worked by
Messrs. Chaffer and Thompson, who have Mafia exterk-
the premises in Pot-street.

FRAS. HORNER; Solicitor,
3, Harrington-street, Liverpool,