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

THE LIVERPOOL STANDARD.

Manteb.

infatiatut P.otirto.

WANTED, in an extensive STARCH MANUFAC-
TORY, a FOREMAN, possessing a thorough knowledge
of the business. No person need apply who cannot produce
satisfactory references as to in petent skill, and steadiness
of character.
Address to Box T 92, Postoffice, Liverpool.

LIFE INSURANCE ANNUAL REPORT.
SCOTTISH PROVIDENT INSTITUTION

The TENTH ANNUAL GENERAL MEETING of the.
CONTRIBUTORS was held, in the Waterloo Rooms, Edin-
burgh, on WEDNESDAY, the 16th February current. ROBT.:
SCLATER, Esq., in the Chair.
The CHAIRMAN said,-1 thineirrie to myself to state that
I have been called upon to fi e office of Chairman, not from
any qualifications which ossess, but upon the simple ground
that I happen to be Senior Director. I must, therefore,
crave your indulge e for the very imperfect manner in which
I discharge the duties that devolve upon me. You have been
called together for the purpose of receiving from the Directors
the Report of their proceedings dui ing the past year. It has
been the privilege of the different gentlemen who have tilled
the chair which I now occupy, to congratulate you on the in-
creasing prosperity of the Institution; a privilege which I am
glad to say still remains to me. You will hear from the Report
that we have done a larger amount of business than has ever
been done in any former year of the Society's existence ; and
it must be gratifying to us to know that the number of Policies
opened from the .commencement exceeds that of any other
Office in Scotland at the same period of its history. It is with
no purpose of drawing an invidious comparison between our-
selves and kindred Societies that I make this remark. I men-
tion it simply as -a fact, which, while it is calculated to give us
encouragement, must also be gratifying to us as members 'of
society in gentras inasmuch as it shows that the value of Life
Assurance is becoming more widely appreciated. Owing to
the extent of disease which has prevailed during the last year,
the Members will naturally expect that a greater amount .of
mortality has taken place among ourselves. While such is the
case, we have cause for congratulation that the deaths, though
exceeding the number in former years, have not, even in the
past year, reached the number exhibited in the Tables of the
Society ; and I may remind you of the fact, that up to the
period of investigation two years since, the deaths did riot
greatly exceed one. half of the calculated amount. (Applause.)
You will have observed by the notice calling the meeting, that
steps have been taken to secure an Act of Parliament, confer-
ring the ben fits and i r:vi'e ;es of Incorporation. This will.be
fully explained to you. I may state, however, that it makes no.
material change in the Deed of Constitution. It only alters
some matters of minor detail, and makes such provisions' as
are rendered necessary by the extension of our business in
England. It only remains for me to notice, that the greatest.
krmoay has existed among the Directors of the Institution,
during the past year, as during all of that time I do not think
we have been called upon to take a single vote. Whatever,
therefore, comes before you, has been brought forward with
our unanimous consent. (Applause.)
• Mr. DONALD SMITH PEDDIE, Convener Of the Uu....-
bronglit up the Report of the Directors. After noticing some
LIVERPOOL DOCKS. of the points already. referred to by the Chairman, he said
LOANS OF NONE Y. As one of the Directors who retire at this time, I may be per-
rrlHE COMMITTEE of the LIVERPOOL DOCKS mitted to compare the state of the Society, in one or two par.-
it_ do HEREBY GIVE NOTICE, that they are willing to ticulars, at the end of this, its tenth year, as compared with its
receive LOANS of MONEY to a LIMITED AMOUNT, on the position at the end of the fifth year, when I entered office. At
Security of the Bonds of the Trustees of the Liverpool Docks, the end of the, first five years. the policies opened amounted to
at the rate of FIVE POUNDS per Centum per Annum Interest, 1200; while at the end of, the second five years they numbered
for periods of either Three, Five, or Seven Years. ff about 1000. The annual income from premiums, at the end of
All letters to be addressed to GE WITHERS, Esquire, the fifth year. was .e 13,150 ; and at the end of the tenth year,
Treasurer of the Live oo -s, Dock-office, Liverpool. .e 31,344. The accumulated fund at the end of the fifth year
order, was under .E 28,000 ; whereas it is now not much short of
ply to R. S. Masissx.., Dock-office, Liverpool, October

MORNING GOVERNESS.
ALADY is desirous of meeting with an Engagement
as MORNING GOVERN ' in the neighbourhood of
Liverpool. She is full c ent to instruct in every Branch
of an English Educat , with Music and the Rudiments of
French.
Address K. A., Albion-office.

WANTED, in or near Liverpool, by a Widow Lady,
a SITUATION as COMPANION or HOUSEKEEPER
to an Elderly Lady or Gentleman. Salary not so much an ob-
ject as a comfortable home. References are kindly permitted
to the Rey. W. G. Coldwell. , Stafford, and Mrs. J.
Campbell, Toxteth-park, n iverpool.
Address, D. G., Po ce, Stafford.

frlontv.

MONEY.
t3OOTO £1250, WANTED to BORROW,
on unexceptime—Fieehold and Leasehold
Sacurities.

Immediateapplieationnade to Messrs. LOWNSBOROUGH
and HARDING, 46, Castle-street.

WANTED, the Sum of £2500, on Two well-situated
Freehold Warehouses in Liverpool, occupied by the
same Tenant for the last twent 'ears. Valued by Mr.
Weightman at the sum of €5 ental .€340.
Apply to Messrs. H. . ORSHAW, Solicitors, Sweeting-
street, Liverpool.

CALEDONIAN RAILWAY COMPANY.
• LOANS ON DEBENTURES.
MENDERS of LOANS on DEBENTURE BONDS
are now received in Sums of not less than .t'soo, for any
number of Years not exceeding Five. Interest to be at the rate
of Five per Cent. per Annum, pa alf yearly in London,
Edinburgh, Glasgow, or in a untry Bank.
Tenders to be addr o this Office, giving full name and
address of Lender. D. RANKINE, Treasurer
Caledonian Railway 0 --
2511 s Februar

he Committee,

DANIEL MASON

', Secretary

.t'190,000. (Applausi;.) I submit that nothing could be more
satisfactory than these results. After what has been said by
the chairman, I need only shortly notice the amount of the
claims that have emerged. Considering the almost unnrece-

TBOROUGH OF LIVERPOOL. • . . It must be gratitying i,v A,,,-. ---, -
HE CORPORATION of LIVERPOOL are willing number or deaths is below the calculations of the Society , I to receive LOANS, in Sums of not less than FIVE HUN- that, although the amount of claims emerging is greater thh.
DEED POUNDS, for Three, Five, or Seven years, bearing has occurred in any previous year, yet the amount'is very little
Interest at the rate of FIVE POUNDS PER CENTUM PER indeed above last year, after the annuities which have fallen in
Nxirrx, _ _. _ _
^'f t' Revenue and Rates authorized to have been deducted. He then called on the Manager to read
nrovisions of the "Liverpool the Report, which is as follows :
and an Act passed in the

flentedly highmort—nlitToi the city during

last two 'years,

on Securitl
be received and levied under t...
Corporation Waterworks Act,
9th and 10th years of the reign of her n-
" An Act for the Improvement of ew
the Borough of Liverpool,
for the Sanatory Regul • of t
The Interest will aid Half
and Ist of July.
All letters to be
...IN. Esq.-

ajesty, esty,intituled
and Drainage of

REPORT BY THE DIRECTORS.

king further provisions The Directors have again the pleasure of reporting a larger
- amount of new business in the past than in any previous

The number of Policies issued has been 472; the sum assured
by these amounting to 213,631 155., and the Annual Premiunih
to .'6171 Os.' sd. In addition to these, proposals for a largo
amount of Assurances were offered, but declined.
It is scarcely necessary to remark that the past year has beer
one of extreme pressure on the resources of almost every claso
of society. So large an amount of new business could, there.-

LiverpoOl,

18tk Feb;

ot-usa.cuy tic.' ....paten; aria it is peculiarly grati-
fying, as an evidence'of the extension of Life Assurance genq-
rally, and of the growing conviction on the part of the public of
the advantages offered by this Institution. It is interesting at
the_same time, in a general noint of view. to notice that. so far

as the Director

1 proportion of the Assurances were made in connection with

..,..._... ......
1 loans, nearly the whole having been effected for purposes e
family provision. The effect of the commercial occurrences of
the past year, and of the general scarcity of money, has, bow-

number of Assurances which have been surrendered or allowed
to expire, freininability to continuepayment of the Premiums.
While this is a result which, in its general aspect, is to be r,;..

gretted, there is no doul.

tion in the fact that, notwithstanding. their increased numbers,
and the now advanced age of some of the members, the deaths
in the year do not exceed one and a quarter per cent. of the
whole number, a proportion considerably short of the average
number provided for by the Tables of the Society.
The net mount of Assurances subsisting at 31st December,
1847, was': 1,137,657, 9s. ; and the income, from premiums
alone, exclusive of revenue from accumulate 4 fund, ,c 31,344.
. 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 of the Branch. Unfortu-
nately, some difference of views regarding the constitution of
the Branch, in relation to the general management of the
Inst

may be

Anstitution, 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
boo aAtcntiodi tha Pella hi
fyitig therefore to know, as the Directors do 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.

NEW VOLUME OF MR. EVANS' SCRIPTURE BIOGRAPHY.
Now ready, in small Bvo, (with Frontispiece,) price 65.,
SCRIPTURE BIOGRAPHY : Third Series. By
the Rev. ROBERT WILSON EVANS, 8.D., Vicar of
Heversham, late Fellow of Trinity College, Cambridge, and
Author of the " Rectory of Valehead."
RIVINOTONS, St. Paul's (
Londor

The Directors do not propose'tiTsUPply. 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.

•ch-yard, and Waterloo-place

They have appointed Mr. Wimuna OWEN 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. These have
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. Robett
Robertson, they unanimously nominated Mr. AITKEN MEGGET,
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.

Of whom maybe had, b : e same Author,
1. SCRIPTURE BIOGRAP First and Second Series
Price Cs. each.

2. BIOGRAPHY OF E EARLY CHURCH
Price Gs. each.
3. A DAY IN E SANCTUARY _
4. THE BISHOPRIC OF SOULS. Gs,
5. THE MINISTRY OF THE BODY
G. PAROCHIAL SERMONS. 2

Contrarto.

CONTRACTS
PARISH OF LIVERPOOL.

Price 6s. each

2 vols,

THE SELECT VESTRY of this PARISH are
prepared to receive TENDERS for the supply. of the
PROVISIONS, CLOTHING, and other, STORES, which may
be required during the Six Months of r the 25th March in-
stant, for the Workhouse, the Indus ial Schools, the Soup
Kitchens, and the Parish Offices res ctively, and which, with
the total probable quantities of ea , are enumerated below.
Such Supplies-to be livered in ach quantities, at such times,
and at such of the aboN ces, they from time to time may
order.

Articles.
*Butchers' Meat

Esti?at
91 A es. Quantities.
*`*%..e,n,teist Estimated
Quantitl• s.
... lb COO Women's raw Bon-

*Flour, best seconds, pac
*Ditto, superfine sa
*Wheat, first quality, hi
*Do., second qualit ,do
*Oatmeal, of best (it a-
_ lity load

new
Do. swei

Buttermilk do
Ale, first quality .. barrel
Do., second quality do
Porter, first quality do
Butter, best salt .... cwt
Do., fresh lb
Cheese, good Cheshire,cwt
Peas, best whole white, qr
Linseed Meal cwt
Fezrl,Barley, first _

quality .. do
Scotch Barley do
Good Congou Tea lb
Good Hyson Tea do
West India Sugar.... cwt
Loaf Sugar. do
Pearl Sago lb
Arrow ltoot do
Pepper, black do
Treacle cwt
Allspice lb
Vinegar . . gallon
Mustard, best lb

goOd East India, cwt

Coffee .
Hominy

Tobaccii, fine shag .
Snuff, best Scotch
Candles, best dips, (1
Yellow Soap, best
seconds.

Whiting.
Pot Ash ,
Saltpetre

Tenders for the Articles I
supply (about half the quan
from the above date.

21501 nets
102 Girls' ditto
8001 Potatoes

ton 6
.do 700
.do 50
gallon 135
do 50
do 22
90 Gin.. . . . .......
90 Rectified-SpiritsofWine do 15
26 Leather (foreign bens) lb 700
62 Crop Offal do 50
65 Best strong Hemp do 30
25 Kip Hide do 300
30 Smallwares

doz 12
.do 62

500 Coal, best
Do.. common
320 Slack

200 Wine, old Port .
;0600 Do., tine Sherry

31000IBraiac

11 Men's Clogs doz 36
Women's Clogs do 36
2 Linen Sheeting yard 1000
2 Gray Calico for Shirts., do 2000
802 White ditto do 320
87 Calico Shrouding do 2200
58 Blue Cotton Print do 900
7 Handkerchiefs, 32-inch,
en

196 Plaid Shawls, 7-4 sq
3CO Brown Holland
90 Blue Camblet
34 Gray Cloth
50 Linsey
llGlFustian or Baragon

doz 36
..do 48
yard 400
.. do 1300
.. do 1000
.. do SOO
.. do 2000

Bible green).. do 500
.rious sizes, doz. 260

do 48
and Girls') do 60
do 48
stone 300
do 2000

24IWomen's ditto

901.9triw
26 Ironmongery Of various de-
-26 Tinware
70 Timber .

10113rusl
141Coffir

specified in
I the Form of

Tende

marked * may also tie made for the
.tity mentioned) for the three months

The Tenders to be sealed, and accompanied, as far as prac-
ticable, with SaMples of the Articles offered, to be delivered to
me not later than TUESDAY, the 21st March instant, at Nine
o'clock, on which day the Tenders will be opened by the Board.
Forms of Tender may be had on application at the Parish
Offices. (By order of the Select Vestry,)
CHARLES HART, Vestry Clerk.
Parish Office, 23, Lime-street,
'March 9, 1848.,

__2

CHESTER AND HOLYHEAD RAILWAY,

PREFERENCE:SIIARES

FINAL CALL OF .t. 3

PER SHARE.
IN accordancewith the terms which these
Preferment Shares were issued, Hohle are required to PAY.
on or before TUESDAY, the 28th Ararcl • stant, a FINAL CALI
of 43 PER SHARE, to either of the dermentioned Banker
London .. Messrs. Glyn a Co.. Lombard-street
Liverpool..-Liverpool Bo igh Bank,
Bangor.... Messrs. W' ams and Co
Interest at the rate 0f.5 r Cent
on all Calls remaining, aid on tl
Shares will be furthe a ject
upon non-paymen s per ext
order,
61, Moorga e-street, Loath

per Annnm will be charged
a said 28th March, and the

to loss of Dividen
act below.
GEORGE KING,

Extract from the Terms of Issue above referred to :—The
first Dividend will be calculated from the Ist April, 1848, upon
all Shares paid up in full at,that date. As regards those that
may not then be paid up in full, the Dividend will be calculated
from the next succeeding period of three month, from the Ist
April, upon which the same shall' have been paid up within_
t rest, that is to say:—lf paid between Ist April and 30th June,
the Dividend will be calculated from the succeeding Ist of July.
If paid between, lit July and 30th September,sfrom the sue-
ce?ding lst of October, and so on'; but this arrangement shall
prtclude the D;tectota front putting in force, at their dis-
Cret4ol3y.theyOlVe.rogitfae Act, with respect to forfeiture.

It remains for this meeting to confirm these appointments,
as well as to appoint three Directors in room of the three dt
the top of the list, who now retire in'terms.of the rules. .1.
The heads of the Bill for Incorporation, referred to in the
report, having been read, and the Bill laid on the table—.
Mr. JOHN SCHANK MORE, Professor of Scots Law in the
University of Edinburgh, said,--I have been Somewhat unex-
pectedly called upon to propose a motion for the adoption of
this meeting; which, however, 1 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 InstitutiOis
was formed, and I was so satisfied of the sound and scientific
principles on which it was based, that I never doubted that, ri.s
soon as they came to be understood, it would meet with that
general favour and support which I am glad to see it has,sto
such an extent, received. There were twogreat principles 014.
which Mr. Cleghorn proceeded. The first was to snake The
Premiums as low as was consistent with the entire safety of.tlle
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 bad made the Premiums for yotthg lives-L.-in which I;in-
dude ages up to fifty or so—much higherthan 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 sod 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 -Mr. 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 other offiCes would demand
for insuring £lOO, insure here £ll5 or £l2O, payable imme-
diately on his death. The Premium payable to-this Institution
for £lOO is 41 15s. Bd., while, in other Offices, it is £2 Is. 6d., 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 must be the case, even at his reduced rates of pre-
mium, these were not to be 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 the general 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 whih 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 orseven
years, every life should get the same share of what 'ate-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 which 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 fire years, it
would approximate to the -sum insured; and if this sum were

), and if 2 per cent. yearly of profits were tOlie added, for
tch of the five years, supposing the policy then to fall, the sum
payable would be £llO. But suppose a young man of 20 to
insure £lOO at £2 a year, and to .pay the preniimu for Jive
years, and then to die, his representatives 'would eilliajly draw
2. per cent. yearly upon his policy, and would also Ot "xllO, so
that all that the office would receive by this transaction Wtruld be
the interest upon the Premiums whirl' hail hpon 'Nothinfr_

surely, can be more absurd than this. It might be thonzhi
that these representatives, drawing the ..100 itisureil., or £9O
more than they had paid into the office, would get a sufficiently
handsome return for the policy ; and vl:3-, over raid above,
they should have all the premiums rebooted to them under the
uttnte of bones, I cannot conceive. Yet this iithe footing upon

Lax, a.a.71.01.11fial 11.1111, only what is essential to the proper conducting-of the usiness
The number of deaths in the year of Members assured for 'of the Institution. As the
.passing of an A„gt of Parliament is
capital sums has been 32, and the amount of claims thereby i 'a measure of considerable importance to the Society, I think
emerging £17,100; on the other hand three Annuities haven this motion will now meet the cordial approbation of every.
fallen in, for two of which sums amounting to' £l5OO had re- • • ' ' " • cently been sunk. The third was of smaller amount. Consi-
dering the almost unprecedented mortality over the country,
the Directors do not doubt that the Contributors would be pr`
pared to expect a higher rate in their own body than has occ•u
red hitherto, and they consider they have cause ti

they not now so well knOwn, one wouk
r there is nothing which can give greater

security and comfort to a family than the knowledge that a
provision is secured for them. But it .is unnecessary to enter
into this. Allow me, therefore, just to congratulate the mem-
bers on the great and extraordinary advances, which, under
disadvantageous circumstances, this Society has made. Secu-
rity is thus given that it will continue to flourish; and I have
no doubt that it will go on at Such a ratio as will prove highly
,rties.

satisfactory to all pa. —. I have much pleasure, iherefore, in
seconding the motion for the approval of the Report.
The motion was then put to the Meeting by the Chairman,
and carried unanimously.
Mr. NVILLIAar

INSTON, of Kirkbill, said,—l rise to ask
you to join me in a very pleasing duty, that of returning thanks
to the Directors for their valuable services during the past
year. I feel very sure that, when we think of the great extra
labour they have in perfecting the matter of the London agency,
as well as framing the Bill now before Parliament, which
_

r.
i.think of t
r Inrge ELMO

aw of the land ; and, above all, when we
'a services necessary to transact such a

_ J, now in connection with the institu-
tion,iwe must be at once prepared to give them our warm and
'hearty thanks. (Applause.)
F -air. Oat 1111.,1tp,i Art Ciimm,row, gornindoci tho 'no-
tion, which was carried amidst acclamation.
Mr. C. J. KERR, banker, said,—l am sure .the Meeting will
join with equal cordiality in tendering a similar compliment to
'the Boards at Glasgow and Manchester. (Applause.)
A.vote of thanks was also given to the Auditors and Trustees
:and to the Office bearers of the Society.
The Management for the ensuing year was theri vested in the
folloWing Gentlemen ; the three last-named Directors being
elected by the Meeting, instead of those who retired by rota-

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.
Ames Cathcart, Esq., Wine Merchant, Leith.
AUDITORS.
C. W. Anderson, Esq., Merchant, Leith.
James Crawford, jun., Esq., W.S.
' Alexander Bryson, Esq., Watchmaker.
TRUSTEES.
• David Elector, Esq., Advocate.
James Alexander, Esq. Wine Merchant.
James Peddie, Esq., V.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.
1)1'. James Duncan, 12, Heriot-row.
.solicitor—William Pollock, Esq., 13, York-place.
JAMES WATSON. Secretary—JOAN WATSON.

Maitager

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

unit
'WIII. HASLITT and Co.,ents,
13, Oldluill•street,

, -
From whom Tables of Rates, and any Papers connected will
• the Institution, may be obtained.

• BOROUGH OF LIVERPOOL TO WIT.
A T a MEETING of MAGISTRATES, held in the
Pl. 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 had been presented by a Deputation of Porters
to that gentleman, this day, in the Police-court.

The Magistrates attentively cons' -the complaints made
by the workmen, and they ewer opinion that the system of
employing Master Porters ng according to the law, the Ma-
gistrates have not the er to alter the conditions upon which
the work is now eon •ted in Liverpool; • bat the Magistrates
observed, with gr regret, that according to the statements of
the workmen, cof those now acting as •

"Master ['Oilers 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

. _
theretore, employ the single man in preference to the married
man, who lives with his family, as the former is more likely to
lodge with bhn."

• •
It 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 Master Poiters 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 for that purpose they should send
a deputation to the Mercantile Associations, who will, no doubt,
be glad to meet and to diseuss the propriety of petitioning for
amalteration 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. Stich meetings may have the etfket. of inducing
disturbers of the peace to interrupt the tranquility of the town,
and render. necessary measures of repression, to which the
sort with great reluctance, though, in the
es, they are prepared with firniness to
1 persons from disturbing the public

trates would re

Signed on behalf of the Magistrates,.
THOMAS B. HORSFALL, Mayor
Town-hall, DM March, 1848.

AV lIE REA c

a Fiat in Bt
second day of Alnreh_ 191 g

ted the

ajety'f;

District Cou

March instant, an
theslock in the Pc

'loners of th/P%
ton the 18th dr,

•••• a urerlooll preci
tit the District Court of Ban kof

their debts ; and at the fir j
sit
to submit himself to be e m
and the credit(

iay ,Then

I to Inat

liver tl

surrender
one of her
17th day of
t Eleven of
e said days,
at each. of
to prove
t is required

-HORNER, Solicaor,
3, Harrington-street, Livrrpool,