The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1848-08-01 00:00:00

0.63 publttatfons.

AO
LISON'S HISTORY OF EUROPE COMPLETED.
The TWENTIETH and la UME of the NEW EDI-
TION of -this WORK, wi COPIOUS INDEX, is now pub-
lished, and complete is may be had of all Booksellers.
Price .e 6 bound in h.
WILLIAM Bt. woos and Sons, 45, George-street, Edin-
burgh, and 37, Paternoster-row, London.

]LACKWOOD'S MAGAZINE, No. CCCXCIV.
for AUGUST. Price 2s. 6d.
CONTENTS :—I. Life in the " Far NV . Part Art ;
its Prospects ; Cleghorn's A nci and Modern Art.—lll.
Kaffirland.—lV. The Caxton art 5.—V. Modern Tourism.
—VI. Eighteen Hundre: ti Twelve.—Vll. The Blue Dra-
goon.—Vlll. Laurels d Laureates —IX. The Horse-dealer,
a Tale of Benmarl- ". Sketches in Paris.
43, Geoige-s t, Edinburgh ; and 37, Paternoster-row,
London.

rrHE LIVERPOOL AND LONDON FIRE AND
LIFE INSURANCE COMPANY.

ESTABLISHED IN 1836.
EMPOWERED BY ACT OF PARLIAMENT.
OFFICES :

8, WATER-STREEJ', LIVERPOOL,
CHARLOTTE-ROW, MANSION-HOU , ONDON.
The Directors beg to acknowled e steadily increasing
support which this Institution c iences, and to assure the
Public that, whilst the num us and wealthy Proprietary
enables them to offer mos ple security for the fulfilment of
the Company's engag ents, the confidence and preference
manifested towards call be met, as heretofore, by strenuous
endeavours to f itate the despatch of business, and by
liberality and p mptitude in the settlement of claims.
By THE FIRST ACT OF PARLIAMENT obtained by the
Company, it is expressly conditioned that the liability of the
Shareholders under the policies shall not be restricted by
special contract or otherwise.
INSURANCES AGAINST FIRE
Are undertaken on Property of every description in the United
Kingdom, the British Colonies, and in Foreign Countries; the
Rates of Premium may be known on application.
LIFE INSURANCE.

The Directors continue to receive proposals for the sale and
purchase of Annuities, Endowments, Reversions and contingent
Interests, and for Insurances on Lives. No Entrance or Admis-
sion Fees are required, nor is any additional premium charged
to Officers in the Army or Navy, unless called into actual
service. The following are amongst the advantages held out
by the Company _

. .
''TWO SCALES OF PREMIUMS, ONE LOWER THAN THOSE OF
MOST OTHER COMPANIES ; the other carrying GUARANTEED
ADDITIONS, OP entitling to GUARANTEED REDUCTIONS in the
FUTURE PREMIUMS, on a plan entirely new and peculiar to
this Institution.

Specimen of the Rates for an Insurance of £lOO on a Single
Life, and of the Reduced Premium of Policies taken out on
the Bonu.s

Age
when
Insured

X S. d.
1 16 8

With Bpnus. ,

Reduce 4,
Premium
instead of
Bonus.

Yearly. I Half do,

s. d s. d es. d.
2 9 5 1 5 6 112 9
2 1G 5 1 9 1 1 17 4
3 5 5 113 8 2 2 9
317 2 119 9 210 0
4 12 7 2 7 9; 2 19 1

THE CORPORATION OF

THE LONDON ASSURANCE,
BY CHARTER OF KING GEORGE FIRST,
FOR LIFE, FIRE, AND MARINE ASSURANCE,

GRANTED their first Life Policy on the 7th June,
1721. Their new Prospectus embraces a variety of very
eligible plans for Life Assurance at most moderate premiums.
Two-thirds of the gross profits are awarded to the assured by
a bonus added to the policy—a payment in cash—a new policy
without premium, or by a reduction of -future annual pre-
miums.
The expenses of managing t IFE DEPARTMENT are not,
as is usual, taken from the emium fund, but are defrayed by
the Corporation out oft it share of the profits, thus giving the
assured all the advat ges of Mutual Assurance without lia-
bait,/ of partnershi , as well as the security of an ancient and
opulent Corpora t' .
Assurances ithout participation, and short period assur-
ances, are effected on remarkably advantageous terms.
Parties proceeding abroad are liberally treated.
FIRE INSURANCES on every description of property, at
the most moderate rates current.

Prospectuses may be had at their Offices, or sent free, on ap-
plication to

JAMES KENNEDY, No. 3, High-street,
With Entrance also at 5, Exchange-street East, or to
CARNE and NEPHEW, 20, Water-street,
Agents for Liverpool and adjacent Parts.

FAMILY ENDOWMENT LIFE ASSURANCE
AND ANNUITY SOCIETY.
12, CHATHAM-PLACE, BLACKFRIARS, LONDON.
CAPITAL .t'500,000,
DIRECTORS
William Butterworth Bayle
John Fuller, Esq.,
Robert Bruce Chichester, Es
H. B. Henderson, Esq
Latouche, Esq.
Edward Lee, Esq,

Thirty per cent: Bonus was al
on the profit scale in 1845. The
nuary, 1852.

ANNUAL PREMIUM,

Chairman.
E4-Chairman. •
Elliot Macnaghten, Esq.
Major Turner.
Joshua Walker, Esq.
Major Willock, K.L.S.
IS.
.thled to the Society's Policies
next valuation will be in Ja-

,WITH PROFITS.

Age 20 I Age2s I Age3o I Age3s I Age4o I Age4s I AO. 501Age55

e s.d.e s.d.X 's .d.
1 17 9 2 31 2 97 2 16 2 3 59 3 16 2 4 10 6 5 76

INDIA.

The Society also grants Policies to parties proceeding to. or
residing in India, at lower rates than any other Office, the Pre-
miums on which may be payable either in London or at the
Society's Office in Calcutta.
Annuities of all kinds, as well as Endowments for Children,
are granted by the Society.
The usual Commission allowed to Solicitors and others.
JOHN CAZENOVE, Secretary.
AGENTS FOR LryKRE9Rt:

Messrs. CAZENOVE, TAUNTON, and MOLYNEUX,
Peters' Chambers, Rumford-street

IRISH GRIEVANCES AND THEIR REMEDY.

(From the Dublin University Magazine for August.)

CAUSES OF THE MISERY OF IRELAND.
The questions that press upon us are, to what is it that
our misery is to be ascribed, and what are the means of
its alleviation ? To answer these questions honestly, we
must be careful to distinguish between a remote and im-
mediate cause ; and looking at our condition fairly, and
in a candid spirit, we are forced to avow that our present
degradation is in so great an extent attributable to our-
selves, that any other causes that may have occurred sink
into utter insignificance. It is to the indolence, improvi-
dence, and ignorance, which has uniformly pervaded, at
least, three provinces of Ireland, that we must unhesita-
tingly ascribe our present degraded condition. To what
this indolence, improvidence, and ignorance era to be as-
cribed is, as we have said, a distinct consideration ; but it
is its existence that has degraded us. We admit that the
landlords of Ireland have, of late years, become, in a
great measure, alive to the responsibilities which the pos-
session of property entails, and to the necessity for ex-
ercising an active and vigilant control over its manage-
ment. The improvement in the upper classes is yet very
imperfectly developed, and is of very recent date. It is
thwarted and impeded, notwithstanding the best inten-
tions on the part of very many of the present race of
landlords, by the circumstances in which they find them-
selves placed, involved as they are, and rendered utterly
powerless by a load of incumbrances created by their pre-
decessors, who have, indeed, a heavy account to answer
for, for the grievous perversion and abandonment of the
trusts that were confided to them. A still more respon-
sible, because with the Irish peasantry a more influential
body, the Roman Catholic priesthood ate still more hea-
vily accountable for the condition of the country. The
faults of the landlords were chiefly those of neglect—those
of the Roman Catholic priesthood are crimes of the most
deliberate commission. They have in every way per-
verted and desecrated the duties of their sacred calling.
Ir.structors of their sacred flocks, they have studiously
kept them in ignorance; ministers of the gospel, they
have sown rancour, hatred, and malevolence, against
their Protestant rulers and fellow-subjects, as widely as
they could disseminate it. There are, and always have
been, some few bright and holy exceptions—exceptions
the brighter and the nobler, because that, acting from a
sense of right, they have placed themselves in opposition
and hostility to the opinions and practices of their fellows,
the surest test of a brave and good man; but the great
bulk of the Roman Catholic priesthood have ever been
ready to head an insurrection in the field, or to stimulate
to outrage even from the altar. And up to this very hour
how few of them are to be found in the disturbed districts
of Ireland, who avail themselves of the unquestionable
control which they possess over their people, to suppress
those cold-blooded and revolting enormities, which have
brought such infamy upon the land. Could these con-
tinue, if universally opposed by -the priesthood ? "My
unaltered opinion," said that unflinching statesman, Lord
Clare, some fifty years ago, " is, that so long as human
nature and the Popish religion continue to be what I
know they are, a conscientious Popish ecclesiastic never
will become a well-attached subject to a Protestant state,
and that the Popish clergy Must always have a command-
ing influence on every member of that communion."
Intelligence and independence will abate or destroy this
influence; but so long as ignorance and poverty abound,
this influence will prevail, and the continued turbulence
and discontent of Ireland will confirm the justice of Lord
Clare's prediction.