The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1846-03-31 00:00:00

HALF CREDIT RATES OF PREMIUM

The attention of ASSURERS is particularly directed to the
Half Credit Rates of Premium, by which means Assurances
may be effected, and loans for short periods secured with the
least possible present outlay, and at a less premium than for
short terms only, and with the option of paying up the arrears
and interest, and the difference between the two rates, thus
becoming entitled to participate in the whole of the profit of
the institution.

EXTRACT FROM THE HALF CREDIT RATES OF PREMIUM

Age 20.1 Age 25.IAge 30.IAge 40.11ge 50., Age GO

le s. d. s. d. r. d. s. d. s. d.l.€ s. d.
Without profits ,0 17 0 0 18 9 1 1 1 1 8 2 2 1 0 3 4 2
With profits —ll 0 11 1 3 0 1 5 84 13 111 2 8 10 3 15 11

Thus, for example—a person in the twenty-fifth year of his
age need only pay 18s. 9d. per cent. yearly for the first five
years, and afterwards by paying up the remaining half with
interest, and the difference between the above rates, he will be
entitled to share in the entire profits, which it is expected will
reduce the future payments to little more than half the original
Mutual rate. The GREAT BRITAIN is the only society in which
this very great accommodation is given to the Assured.
Transfers of Policies effected and registered (without charge)
at the Office. _ . _ _ _

Claims on Policies not subject to be litigated or disputed, ex-
cept with the sanction, in each case, of a General Meeting of the
Members, to be specially convened on the occasion.
Members Assured to the_extent of £lOOO entitled (after pay-
ment of five Annual Premiums) to attend and vote at all General
Meetings, which will have the superintendence and control of
the funds and affairs of the Society.
_ _ _

—Full particulars are detailed in.the Prospectus, which, with
every requisite information, may be obtained by application to
A. R. IRVINE, Managing Director.
AGENTS FOR LIVERPOOL-14-ESSTS. G. J. POORE and Co.,

Stationers,

Agents wanted in Towns not pre• occupied, and applications
from respectable and influential parties, addressed to the Ma-
naging Director, at No. 14, Waterloo-place, London, will meet
immediate attention.

AT a SPECIAL MEETING of the GENERAL
COMMITTEE of the HEALTH of TOWNS' ASSOCIA-
TION, held in the Town Hall, on FRIDAY, the 27th March
instant,

!resent, WILLIAM BROWN, Esq. in the Chair,
&c. &c. &c.

It was moved by Mr. SAMUEL HoLmn, seconded by H. C
BELOE, and

Resolved,—" That the heads of the Liverpool and Harrington
Water Company's Bill having been made known to this Asso-
ciation, it desires to record its opinion that such a Bill is unjust
in nrincinle, and detrimental to the public interest ; an(

in ilie opinion of this Association, every exertion should be used
to prevent the measure from becoming the law of the land."
JOHN A. TITNINE, l Hon.
W. H. DUNCAN, I Secretaries.

AT a MEETING of a SPECIAL COMMITEEE
appointed by the GENERAL COMMITTEE of the
LIVERPOOL SHAREBROKERS' ASSOCIATION, to adopt
such measures as will tend to the withdrawal or rejection of a
large number of RAILWAY BILLS now before Parliament,
held in the Committee Room, on the 27th March, 1546,
It teas Resolved,—That, in the opinion of this Committee, the
sanctioning of any large number of the Railway Bills now be-
fore Parliament will be attended with an enormous amount of
commercial and social distress.

Resolved,—That this Committee is desirous of ascertaining
the present views and wishes of the Scripholders in the various
Companies, and for that purpose solicits the co-operation of all
parties interested, and of the Members of the various Stock
Exchanges throughout the Kingdom in particular.
Resolved,—That the following form of Petition to Parliament
be adopted, and be placed in the public News-rooms for sig-
nature..

TO THE HONOURABLE THE HOUSE OF COMMONS IN
PARLIAMENT ASSEMBLED.

The humble Petition of the undersigned Bankers, Merchants
Trader:, and others, Inhabitants of Liverpool.

SHOWETH,—That your Petitioners view-with great alarm the
number of Railway Bills now brought forward for the sanction
of Parliament. _ _ _

That in the opinion of your Petitioners the passing of many
of these Bills, unaccompanied by any restriction as to the time
for the construction of the Lines will have a most prejudicial
effect upon the interests of the Country generally, more espe-
cially upon those of the Commercial and Trading Classes, who
are the principal parties pledged to find the Capital required for
these undertakings, and whose means for pursuing their legiti-
mate business will thus be completely absorbed, involving
many of them in loss and ruin.

Thlit the demand for such a large amount of capital for
Railways will, in the opinion of your Petitioners, not only fur-
ther derange the Money Market, and interfere with Trade and
Commerce, but, by the sudden and violent effects of its action
on the Labour Market, will materially retard the completion of
Lines already sanctioned by the Legislature, and now in pro-
gress, as well as interfere with all other works of public
utility. _ .

That your Petitioners view with the greatest apprehension
the social evils which, in their opinion, would necessarily flow
from the derangement of the Labour Market, by the sudden
demand for such an amount of labour, in addition to that re-
quired for Works now in progress, and for Agricultural pur-
poses, all experience of the present mode of constructing
Railways proving the demoralizing effects produced upon the
masses of the Labouring Population, thus withdrawn from their
usual occupations, without sufficient time being allowed for the
requisite arrangements for such a transition.
That these evils must be felt in an augmented degree in pro-
portion to the number of new Lines granted. _ _

That, in order to avoid the evils anticipated, it is the opinion
of your Petitioners, which they respectfully submit to the con-
sideration of your Honourable House, that, in adjudicating
upon the merits of any new Lines, and in sanctioning the same,
your Honourable House should prescribe, as a condition at-
tached thereto, that no Calls be made by the Companies
obtaining such Bills within a less term than two or three years
from the passing thereof, or such other period as your Honour-
able House shall deem advisable, reserving for the discretion
of your Honourable House to make such special exceptions to
this rule as shall, in those cases of necessary Extensions for
completing the main Trunk Lines from the Metropolis, and
such Coast and Harbour Lines as the Government of the
Country may deem indispensable for purposes of National
Defence, or Naval or Commercial objects.
Your Petitioners therefore humbly pray, that your Honoura-
ble House will adopt such measures as may effectually limit
the Capital to be employed in the construction of Railways to
such amount as may appear safe and practicable within a given
period of time.
Resolved,—That this Committee will sit Daily, at their Office,
No. 1, ROYAL BANK BUILDINGS; and they suggest that non-
resident Scripholders may communicate by letter, or through
their Broker or their Agents. _ _

The Meetings of the committee will be from Ten to Eleven in
the Morning, and from Two to Three O'CIOCk ip the Afternoon.
Liverpool, March 27th, 1846.

TOWNSHIP OF EVERTON.
THE ANNUAL MEETING of the RATEPAYERS
of the TOWNSHIP of EVERTON was held at Halliday's
Coffee-house, on FRIDAY, the 27th instant,
T. E. CARTWRIGHT, Esq. in the Chair..

The following Resolutions werepasied unanimously :
That the Accounts of the Surveyor of the Highways, for the
year ending 25th instant, having been audited and found cor-
rect, be passed.
That Mr. Wilson Ledger and Mr. Henry Edwards be appointed
Overseers of the Poor for the ensuing year.
That the Auditors of the Highways Accounts be re-appointed.

That Mr. David Griffiths be appointed Collector,- and Mr.
Joseph Robinson, Assistant-Collector of Assessed and Property
Taxes; and Mr. Edward Strachan, Office Clerk'and Collector.
That Messrs. T. E. Cartwright, W. Ledger, H. Edwards, M.
J. Whitty, J. Brebner, J. Woods, and J. Jones, be appointed a
Committee to -watch the progress of the Liverpool Sanatory
Regulations Bill, and, if necessary, tr., employ Counsel to defend
the rights of this Township.
That this Meeting, having been informed that some persons
are attempting to fill up the Pit commonly called "St. Domingo
Pit," protests against such proceedings, and directs that a
Notice-board be put up, cautioning the parties to proceed no
further.

That these Resolutions be published in all the Liverpool
Newspapers.
That the thanks of this meeting be given to the Overseers and
Auditors for their attention to the interests of the Township.
The Chairman having left the chair, the thanks of the Meet-
ing were given to him for his able and impartial conduct in the
chair.

A T a MEETING of the MASTER TRADESMEN
11 of LIVERPOOL and BIRKENHEAD, which was held at
the Grecian Hotel, Dale-street, on MONDAY, the 23d instant,
and where Sixty-one Persons were present, representing Forty-
nine Firms, engaged in the various Departments of the Building
Branches,
Mr. JOHN TOMKINSON in the Chair.
. _

It was intimated that the Strike at Birkenhead still continued,
and that (excepting the Joiners, who had resumed their em-
ployment) there was not at present any appearance of its ter.
mination. And from documents which were read, and from
information which was given, it appears that the Turn-out is
caused by the interference, and under the dictation, of the
Trades' Unions, and that many of the workmen now engaged
in Liverpool are contributing to the support of those who are
standing out ; and it being clearly ascertained that many
workmen are dissatisfied with the proceedings of the Clubs,
and would willingly abandon them,
It was unanimously Resolved,—That each of the Masters now
present will require every workman in his employment to sign
a declaration that he does not, and will not, belong to, nor
subscribe to, the funds of any Trades' Union, and will dis-
countenance any appropriation of the Funds of any Sick or
Benefit Society to the support of a turn-out of their own or
other trades.

And each Employer now present (testified by his signature to
this resolution) hereby declares that he will not employ any
Workman who refuses to Sign such a Declaration.

JOHN TOM !cINSON, Chairman

The MASTER TRADESMEN engagedin the various branches
of BUILDING, in making public the foregoing Resolutions,
desire to record their regret that circumstances have rendered
them so painfully necessary. Their object is not to reduce the
Wages paid to their Workmen, not to increase the hours of
labour, nor to revoke the concessions which they made the last
year. They desire not to abridge the privileges or comforts of
the Workmen ; but t e baneful influence which is at present
exercised by the secret and .irresponsible tribunals of the
Trades' Unions, so repulsive and unjust in all their tendencies,
have rendered it imperative upon the Employers to adopt the
Resolutions alluded to, not only in self-defence against the
dictation of the Unions, but for the purpose of shielding as
much as possible the well-disposed, and, in almost every in-
stance, the most valued of the Workmen, from the tyrannical
dictation of these dangerous combinations. So long as these
combinations are permitted to interfere with the freedom which
is the inalienable right of every man, whether he be an em-
ployer or an operative; so long as they are permitted to levy
contributions upon every man, even against his will; so long
as they promote discord, and cause uncertainty to rest upon
every transaction, there is no security for any man in taking a
Contract, nor is there the most remote hope for a return to a
better state of things, unless these Unions, so contrary to the
spirit of the times, and so repugnant to every principle, both of
justice and humanity, are completely broken up or rendered
powerless.
They hold that justice to the Public as well as to the Opera-
tives, requires that LABOUR. as well as CAPITAL SHALL BE
FREE t that every man ought to be at perfect liberty to dispose
of his labour, which is his capital, when, where, and as he
pleases •, that it cannot be for the advantage of the Working
Classes themselves, that a dictatorial inquisition should be es-
tablished, and that an irresponsible agency should exist, to
create a monopoly, and tax the industry of the many for the
benefit of the few, who who themselves in general are aniply sup-
ported, and maintained out of the earnings of the well-disposed
and the industrious. They assert that all restriction andro-
hibitions upon labour, all dictation to an employer who hesi all
employ, what wages he is to pay, and how his business is to lie
conducted, are the establishment of a monopoly of the most
mischievous description, and which ought to be resisted by
-very man who values his personal liberty, and who claims for

ilimgelii6Cfreedom of thought and action which is 'tie
undoubted birthright of every man in England, be he rich or
poor.
The Trades' Unions levy contributions, order or suspend
strikes, and endeavour, as far as they have the power, to pre-
vent any man disposing of his labour, unless he first enrols
himself a member of the Union, submits to its decrees, and
contributes to its funds. They interfere with that freedom of
Trade which is so essential to the comfort, as well as to the
success of all Building operations; and, at this time, great
numbers of men are walking about in idleness at Birkenhead,
Manchester, and other places—many of them most unwillingly
_
—while there is abundant eyip- -

loyment

hem at 265,

week, which is an advance of 2i. per week upon the wages pitid
during the period of the War, and until the year 1836. when a
rise from 245. to 265. was cheerfully acceded to.

These men are not permitted to Work, andhundreds of others
are taxed to keep them in id!eness. And it is well known that
the Workmen in Liverpool are directed to continue at their
employment, and contribute a portion of their earnings to those
at Birkenhead, who, if they should prove to be successful, will
be required to contribute to the support of those in Liverpool,
when a strike occurs in this town.

The Master Tradesmen most cheerfully recognise the princi-
ple, that labour should be paid for at the highest price which
can be obtained for it ; and they believe that the wages paid
now are fully as high as the public can afford to pay ; FOR IT
IS THE PUBLIC, AND NOT THE MASTER TRADESMEN, WHO
HAVE EVENTUALLY TO PAY THE WAGES. So far as they are
concerned, it is not their interest to pay low wages ; and all that
they contend for is, the liberty of einployin Workmen at such
wages as may be mutually agreed upon, without the unneces-
sary interference of a Club, perhaps composed of men who do
not even belong to the town, and whose interference is as mis-
chievous RS it is uncalled for.
To such dictation and interference they are firmly resolved
not to submit, be the consequences what they may.
To meet the difficulties connected with the present strike at
Birkenhead, they have the choice of two alternatives. One is,
to suspend all work in Liverpool while that strike lasts ; the
other is, to require every workman to sign a declaration that he
is not, and will not remain, a member of these dangerous com-
binations, which have been the bane of every community where
they have been established. The former mode would be unjust
towards those of their Workmen who are not members of the
Union, (and they rejoice to know that there are many such,)
and they have therefore adopted the latter alternative, because
it will give to every man a free choice, and afford him an op-
portunity of quitting the Trades' Unions altogether.
They would fain hope that the majority of the Workmen will
accede to the proposition; but if it unfortunately happens that
they should be disappointed in their hope, they confidently ap-
pmt to the Public for that forbearance which it will be their
duty to ask ; and they have already had assurances from many
quarters, that the erection of Buildings may be suspended until
the Workmen, as well as the Masters, are relieved from the
thraldom of such tyrannical combination.
John Tomkinson. Samuel and James Holme
John Johnson. Leader and Dooley.
Furness and Kilnin. IW. Troutbeck and Son

oseph Boumphiv- y.
Thomas Mackarel.
Thomas James.
Knight and Nimmo.
James Gore.
H. Haydock and eon.
Robert McKee.
Dempster and Wilson.
Richard and Paul Barker
William Bateman.
Thomas Gore.
Richard Edwards.
Owen Ellis.
John Morris.

John Bromley.
James Crellin.
Isaac Henshaw.
James Stringfellow.
Richard Gardner.
Thomas Tapley.
Edward Williams.
John and James Lyon.
William Tomkinson.
John Critchley.
'Thomas Jones.
John Fulford.
IWilliam.Jones.
William Baker.
Thomas Hughes.
James Holt.

George Robinson
John Williams.
Alexander White.
Thomas Haigh.

Thomas Wylie

J. and W. Walker, Birkenhead. William Jackson, Tranmere.
Henry Cole, Ditto. James Hume, Birkenhead.
James Routledge, Ditto. John Williams, Ditto.
John Hogarth, hock Ferry. John Hitchen, Ditto.
William Oberry, Birkenhead. Joseph Wilkinson, Ditto.
James Stephenson, Tranmere. Weinyss and Cameron, Ditto.
Hugh Wi his-us, Birkenhead. Joseph Leay, Rock Ferry.
Job Rich rd c, Ditto. S. Bailiff, Birkenhead.