Chapter 8

In the former EIGHTY PER CENT. or FOUR-FIFTHS of the Profits are divided amongst the Assured Triennially, either by way of addition to the sum assured, or in diminution of Premium, at their option.

No deduction is made from the four-fifths of the profits for Interest on Capital, for a Guarantee Fund, or on any other account.

POLICIES FREE OF STAMP DUTY and INDISPUTABLE, except in case of fraud.

At the General Meeting, on the 31st May last, A BONUS was declared of nearly Two Per Cent. per annum on the _amount assured_, or at the rate of from THIRTY to upwards of SIXTY per cent. on the _Premiums paid_.

POLICIES share in the Profits, even if ONE PREMIUM ONLY has been paid.

Next DIVISION OF PROFITS in 1856.

The Directors meet on Thursdays at 2 o'Clock. Assurances may be effected by applying on any other day, between the hours of 10 and 4, at the Office of the Society, where prospectuses and all other requisite information can be obtained.

CHARLES JOHN GILL, Secretary.

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WESTERN LIFE ASSURANCE AND ANNUITY SOCIETY.

3. PARLIAMENT STREET, LONDON.

Founded A.D. 1842.

_Directors._

H. E. Bicknell, Esq. | T. Grissell, Esq. T. S. Cocks, Jun. Esq., M.P. | J. Hunt, Esq. G. H. Drew, Esq. | J. A. Lethbridge, Esq. W. Evans, Esq. | E. Lucas, Esq. W. Freeman, Esq. | J. Lys Seager, Esq. F. Fuller, Esq. | J. B. White, Esq. J. H. Goodhart, Esq. | J. Carter Wood, Esq.

_Trustees._--W. Whateley, Esq., Q.C.; George Drew, Esq., T. Grissell, Esq. _Physician._--William Rich. Basham, M.D. _Bankers._--Messrs. Cocks, Biddulph, and Co., Charing Cross.

VALUABLE PRIVILEGE.

POLICIES effected in this Office do not become void through temporary difficulty in paying a Premium, as permission is given upon application to suspend the payment at interest, according to the conditions detailed in the Prospectus.

Specimens of Rates of Premium for Assuring 100l., with a Share in three-fourths of the Profits:--

Age £ s. d. | Age £ s. d. 17 1 14 4 | 32 2 10 8 22 1 18 8 | 37 2 18 6 27 2 4 5 | 42 3 8 2

ARTHUR SCRATCHLEY, M.A., F.R.A.S., Actuary.

Now ready, price 10s. 6d., Second Edition, with material additions, INDUSTRIAL INVESTMENT and EMIGRATION: being a TREATISE ON BENEFIT BUILDING SOCIETIES, and on the General Principles of Land Investment, exemplified in the Cases of Freehold Land Societies, Building Companies, &c. With a Mathematical Appendix on Compound Interest and Life Assurance. By ARTHUR SCRATCHLEY, M.A., Actuary to the Western Life Assurance Society, 3. Parliament Street, London.

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XYLO-IODIDE OF SILVER, exclusively used at all the Photographic Establishments.--The superiority of this preparation is now universally acknowledged. Testimonials from the best Photographers and principal scientific men of the day, warrant the assertion, that hitherto no preparation has been discovered which produces uniformly such perfect pictures, combined with the greatest rapidity of action. In all cases where a quantity is required, the two solutions may be had at Wholesale price in separate Bottles, in which state it may be kept for years, and Exported to any Climate. Full instructions for use.

CAUTION.--Each Bottle is Stamped with a Red Label bearing my name, RICHARD W. THOMAS, Chemist, 10. Pall Mall, to counterfeit which is felony.

CYANOGEN SOAP: for removing all kinds of Photographic Stains. Beware of purchasing spurious and worthless imitations of this valuable detergent. The Genuine is made only by the Inventor, and is secured with a Red Label bearing this Signature and Address, RICHARD W. THOMAS, CHEMIST, 10. PALL MALL, Manufacturer of Pure Photographic Chemicals: and may be procured of all respectable Chemists, in Pots at 1_s_., 2_s_., and 3s. 6d. each, through MESSRS. EDWARDS, 67. St. Paul's Churchyard; and MESSRS. BARCLAY & CO., 95. Farringdon Street, Wholesale Agents.

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POLICY HOLDERS in other COMPANIES, and intending Assurers generally, are invited to examine the Rates, Principles, and Progress of the SCOTTISH PROVIDENT INSTITUTION, the only Society in which the Advantages of Mutual Assurance can be secured by moderate Premiums. Established 1837. Number of Policies issued 6,400, assuring upwards of Two and a Half Millions.

Full Reports and every Information had (Free) on Application.

*** Policies are now issued Free of Stamp Duty; and attention is invited to the circumstance that Premiums payable for Life Assurance are now allowed as a Deduction from Income in the Returns for Income Tax.

GEORGE GRANT, Resident Sec. London Branch, 12. Moorgate Street.

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PHOTOGRAPHY.

A COMPLETE SET OF APPARATUS for 4l. 4s., containing an Expanding Camera, with warranted Double Achromatic Adjusting Lenses, a Portable Stand, Pressure Frame, Levelling Stand, and Baths, complete.

PORTRAIT LENSES of double Achromatic combination, from 1l. 12s. 6d.

LANDSCAPE LENSES, with Rack Adjustment, from 25s.

A GUIDE to the Practice of this interesting Art, 1s., by post free. 1s. 6d.

French Polished MAHOGANY STEREOSCOPES, from 10s. 6d. A large assortment of STEREOSCOPIC PICTURES for the same in Daguerreotype, Calotype, or Albumen, at equally low prices.

ACHROMATIC MICROSCOPES.

Beautifully finished ACHROMATIC MICROSCOPE, with all the latest improvement and apparatus, complete from 3l. 15s., at

C. BAKER'S. Optical and Mathematical Instrument Warehouse, 244. High Holborn (opposite Day & Martin's).

* * * * *

PHOTOGRAPHIC INSTITUTION.--An EXHIBITION of PICTURES, by the most celebrated French, Italian, and English Photographers, embracing Views of the principal Countries and Cities of Europe, is now OPEN. Admission 6d. A Portrait taken by MR. TALBOT'S Patent Process, One Guinea; Three extra Copies for 10s.

PHOTOGRAPHIC INSTITUTION, 168. NEW BOND STREET.

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PHOTOGRAPHY.--HORNE & CO.'S Iodized Collodion, for obtaining Instantaneous Views, and Portraits in from three to thirty seconds, according to light.

Portraits obtained by the above, for delicacy of detail rival the choicest Daguerreotypes, specimens of which may be seen at their Establishment.

Also every description of Apparatus, Chemicals, &c. &c. used in this beautiful Art.--123. and 121. Newgate Street.

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PHOTOGRAPHIC CAMERAS.--OTTEWILL'S REGISTERED DOUBLE-BODIED FOLDING CAMERA, is superior to every other form of Camera, for the Photographic Tourist, from its capability of Elongation or Contraction to any Focal Adjustment, its Portability, and its adaptation for taking either Views or Portraits.--The Trade supplied.

Every Description of Camera, or Slides, Tripod Stands, Printing Frames, &c., may be obtained at his MANUFACTORY, Charlotte Terrace, Barnsbury Road, Islington.

New Inventions, Models, &c., made to order or from Drawings.

* * * * *

IMPROVEMENT IN COLLODION.--J. B. HOCKIN & CO., Chemists, 289. Strand, have, by an improved mode of Iodizing, succeeded in producing a Collodion equal, they may say superior, in sensitiveness and density of Negative, to any other hitherto published; without diminishing the keeping properties and appreciation of half tint for which their manufacture has been esteemed.

Apparatus, pure Chemicals, and all the requirements for the practice of Photography. Instruction in the Art.

THE COLLODION AND POSITIVE PAPER PROCESS. By J. B. HOCKIN. Price 1s., per Post, 1s. 2d.

* * * * *

SPECTACLES.--Every Description of SPECTACLES and EYE-GLASSES for the Assistance of Vision, adapted by means of Smee's Optometer: that being the only correct method of determining the exact focus of the Lenses required, and of preventing injury to the sight by the use of improper Glasses.

BLAND & LONG. Opticians, 153. Fleet Street, London.

* * * * *

ALLEN'S ILLUSTRATED CATALOGUE, containing Size, Price, and Description of upwards of 100 articles consisting of PORTMANTEAUS, TRAVELLING-BAGS, Ladies' Portmanteaus, DESPATCH-BOXES, WRITING-DESKS, DRESSING-CASES, and other travelling requisites, Gratis on application, or sent free by Post on receipt of Two Stamps.

MESSRS. ALLEN'S registered Despatch-box and Writing-desk, their Travelling-bag with the opening as large as the bag, and the new Portmanteau containing four compartments, are undoubtedly the best articles of the kind ever produced.

J. W. & T. ALLEN, 18. & 22. West Strand.

* * * * *

PRINCE OF WALES'S SKETCH-BOX.--Containing Colours, Pencils, &c., with printed directions, as now used by the Royal Family. Price 5s.

MILLER'S, Artist's Colour Manufacturer, 56. Long Acre, London; and at her Majesty's Steam Colour and Pencil Works, Pimlico.

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{612}

BOOKS SUITABLE FOR CHRISTMAS PRESENTS,

PUBLISHED BY

MR. JOHN HENRY PARKER,

OXFORD; and 377. STRAND LONDON.

* * * * *

THE BOOK OF COMMON PRAYER. With Fifty Illustrations, from Designs by Ancient and Modern Artists. Selected by the REV. H. J. ROSE and REV. J. W. BURGON. In One handsome Volume, 8vo. The Prayer-Book is printed in very large type, with Rubrics in Red. Elegantly bound in antique calf, with vermillion edges, 2l. 5s.

DAILY CHURCH SERVICES. In One Portable Volume, containing the Prayers and Lessons for Daily Use: or, the Course of Scripture Readings for the Year, authorised by the Church. Also, a Table of the Proper Lessons for Sundays and Holydays, with References to the Pages. Price 10s. 6d., bound; 16s. in Hayday's morocco.

This volume will be found equally useful to those who read the Church Service at home, as for those who use it at church, as the lessons and services for every day are distinctly marked, forming a very suitable book for a present. It is also kept by any respectable bookseller in a variety of elegant bindings.

OF THE IMITATION OF CHRIST. Four Books. By THOMAS à KEMPIS. A New Edition, revised, handsomely printed in fcap. 8vo., with Vignettes and red florinted borders taken from the ancient MSS. Cloth, 5s. Also in antique calf binding, vermillion edges, 10s. 6d.

THE CALENDAR OF THE ANGLICAN CHURCH ILLUSTRATED. With brief Accounts of the Saints who have Churches dedicated in their Names, or whose Images are most frequently met with in England; the Early Christian and Mediæval Symbols; and an Index of Emblems. With numerous Woodcuts. Fcap. 8vo., 10s. 6d.; or bound in antique calf, 16s.

A HISTORY of the CHURCH OF ENGLAND, to the REVOLUTION of 1688. By the late REV. J. B. S. CARWITHEN, B.D. A new Edition, edited by the REV. W. R. BROWELL, M.A., 2 vols. small 8vo., 12s.

THE PILGRIM'S PROGRESS. By JOHN BUNYAN. A New Edition, adapted by the REV. J. M. NEALE, M.A., for the Use of Children of the Church of England. Fcap. 8vo., handsomely bound in gilt cloth, with Woodcuts, 3s. 6d.

TRACTS FOR THE CHRISTIAN SEASONS. First Series. Four Vols., cloth, 18s.

TRACTS FOR THE CHRISTIAN SEASONS. Second Series. Four Vols., cloth, 15s.

SERMONS FOR THE CHRISTIAN SEASONS. A Series of Plain Sermons for Sunday Reading. Four Vols., fcap. 8vo., 16s.

A PLAIN COMMENTARY on the GOSPEL of ST. MATTHEW. with numerous Illustrations. Fcap. 8vo., 6s. 6d.

WILSON'S SACRA PRIVATA. From the original MSS. Second Edition. Fcap. 8vo., antique cloth, red edges, 6_s_; antique calf, red edges, 12s.

THE PSALTER AND THE GOSPEL. The Life, Suffering, and Triumph of our Blessed Lord, revealed in the Book of Psalms. Fcap. 8vo., uniform with the Plain Commentary on the Four Holy Gospels. 2s.

A selection of the most striking of the parallel passages contained in the Psalter and the Gospel.

SCOTLAND and the SCOTTISH CHURCH. By the REV. HENRY CASWALL, M.A., Vicar of Figheldean, Wilts; Author of "America and the American Church," &c. &c., and a Proctor in Convocation for the Diocese of Salisbury. Fcap. 8vo., 5s.

A SHORT EXPLANATION of the NICENE CREED, for the Use of Persons beginning the Study of Theology. By A. P. FORBES, D.C.L., Bishop of Brechin. Fcap. 8vo., cloth 6s.

TEN SERMONS IN ILLUSTRATION OF THE CREED. By the REV. W. G. TUPPER, Warden of the House of Charity, Soho; and late Scholar of Trinity College, Oxford. Fcap. 8vo., cloth, 4s.

"In his 'Sermons on the Creed,' Mr. Tupper has condensed, with much painstaking, and an evident sense of deep responsibility, the dogmatic teaching of the Church."--_Christian Remembrancer._

A NEW EDITION of DAILY STEPS TOWARDS HEAVEN. A Small Pocket Volume, containing a few Practical Thoughts on the Gospel History: with Texts for every Day in the Year, commencing with Advent. Fifth Edition. In roan binding, gilt edges, 2s. 6d.

DESCRIPTIONS OF CANAAN; being an Account of the Mountains, Rivers, and Towns of the Holy Land. By the REV. C. P. WILBRAHAM. Fcap. 8vo., with Map, cloth, 1s.

*** This Manual is particularly adapted to the use of Parochial Schools.

* * * * *

TALES AND STORIES FOR CHRISTMAS.

OLD CHRISTMAS. A Tale. 16mo. 6d.

THE SINGERS OF THE SANCTUARY, and the MISSIONARY; Two Tales. By the Author of "Angels Work." 16mo. 2s. 6d.

ANGELS' WORK; or, the Choristers of St. Mark's. Second Edition. 2s.

ANN ASH; or, the History of a Foundling. A Narrative founded on Fact. By the Author of "Charlie Burton," "The Broken Arm," &c. 18mo. 2s.

KENNETH; or, the Rear Guard of the Grand Army. By the Author of "Scenes and Characters," "Kings of England," "Heir of Redclyffe" &c. Second Edition. Fcap. 8vo. 5s.

SPECULATION A Tale. By the REV. W. E. HEYGATE. Fcap. 8vo. 5s.

PASTOR OF WELBOURNE AND HIS FLOCK. 18mo. 2s.

LITTLE MARY. Third Edition. 18mo. 1s.

HENRY VERNON; or, the Little Anglo-Indian. A New Edition. 18mo. 1s.

ADA'S THOUGHTS; or, the Poetry of Youth. Fcap. 8vo., cloth, gilt edges, 2s. 6d. (Just Ready.)

* * * * *

SMALL BOOKS FOR PRESENTS.

THE PRACTICAL CHRISTIAN'S LIBRARY: a Series of Cheap Publications for General Circulation.

s. d. Learn to Die (Sutton) 1 0 Private Devotions (Spinckes) 1 6 The Imitation of Christ (à Kempis) 1 0 Manual of Prayer for the Young (Ken) 0 6 The Golden Grove (Taylor) 0 9 Life of Ambrose Bonwicke 1 0 Life of Bishop Bull (Nelson) 1 6 Companion to the Prayer Book 1 0 Selections from Hooker (Keble) 1 6 Practical Christian (Sherlock). Part I. 2s. Part II. 2s.; 1 vol. 4 0 Learn to Live (Sutton) 2 0 Doctrine of the English Church (Heylin) 0 8 Holy Living (Bp. Taylor) 1 6 Holy Dying (Bp. Taylor) 1 6 Tracts on the Church (Jones of Nayland) 1 6 Figurative Language of Holy Scripture (Jones of Nayland) 1 6 Confessions of St. Augustine 1 6 Exposition of the Catechism (Nicholson) 1 6 Thoughts on Religion (Pascal) 1 6 Wilson on the Lord's Supper 1 0 Wilson's Sacra Privata 1 0

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LITTLE BOOKS FOR PRESENTS,

SELECTED FROM THE PAROCHIAL TRACTS.

s. d. Words of Advice and Warning, limp 1 6 Baptism, limp 1 0 The Chief Truths, limp 1 0 The Church Service, limp 1 6 The Holy Catholic Church, limp 1 0 Tracts on the Ten Commandments, limp 1 0 Confirmation, limp 1 0 The Lord's Supper, limp 1 0 Meditation and Prayer, limp 1 0 Tracts for Female Penitents, limp 1 6 Tracts on the Prayer Book, cloth 3 0 Daily Office for the Use of Families, roan 1 0 Tales and Allegories, Illustrated, cloth, gilt 3 6 Parochial Tales, cloth, gilt 2 6 Tracts for Cottagers, cloth, gilt 2 0 Devotions for the Sick, cloth 2 6

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THE PENNY POST for 1853 is now ready, bound in cloth, lettered with Frontispiece, price 1s. 6d.

* * * * *

JOHN HENRY PARKER, Oxford; and 377. Strand, London.

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Printed by THOMAS CLARK SHAW, of No. 10. Stonefield Street, in the Parish of St. Mary, Islington, at No. 5 New Street Square, in the Parish of St. Bride, in the City of London; and Published by GEORGE BELL, of No. 186. Fleet Street, in the Parish of St. Dunstan in the West, in the City of London, Publisher, at No. 186. Fleet Street aforesaid.--Saturday, December 17, 1853.

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Corrections made to printed original.

page 591, "the Greek of the Septuagint, or of the New Testament": 'not of the New Testament' in original, corrected by errata in Issue 217.

ibid., "it is usual to read this with an accent on the penultima": 'antepenultima' in original, corrected by errata in Issue 217.

page 594, "Richard, son of the writer of the said letter" : 'son of' inserted by errata in Issue 218.

ibid., "he (the Father) thus commences" : '(the Father)' inserted by errata in Issue 218.