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mtnlty NO PRELIMINARY FEES. MONEY LENT PitlV ATLEY In latere or small sums (not less than £ 10) ON BORROWER'S OWN PROMISSORY NOTE. Estab!ifched near.y Forty Years, and now lending UPWARDS OF £ 70,000 ANNUALLY. Prospectuses, terma for advances, or any iaiormaiion desired, will be supplied free of charge on aur'ication either personally or bv Setter to GEORGE PAYNE & SONS 3, '"tvri^'ENT il-OAD, 1,HYL. Wished 1870. ens, C, ASii .wl'UilA! ul' AiiOiN. £ 10 tu £ 1,000 rn these ferir* fuT tfciort Periods. £ 10 Repa.) 16 „ 20 „ 30, 50 „ 100 11 200 11 500 „ £ s. d. i i li 5 0 16 7 6 22 10 0 1 L 36 15 0 56 5 0 112 10 0 ;¿"-V 0 0 331 10 0 £ > 400 Repay SOU 600 100 800 11 900 11 1000 3. a. a. 450 0 0 542 10 0 óï5 0 0 736 10 C 900 0 C 1012 10 0 112J 0 C Y"n,1 NO BONDSMEN OR buxkiiiJ! inquired. Existing loans p^d otf. Prospectus *eu. ptr 01 apply to Mauagè11 NATIONAL LOAN SOCIETY IS expressly Established and Registered pursuant to Act of Parliament to make Private Advances without Loan Urttee formalities. To all Classes (Male or Fe- "f ROM £ 10 TO SIOOO ON SIMPLE WRITTEN PROMISE TO REPAY, for any immediate need or private use; to start in business, to furnish your house, tc buy stock when the market is low, to ray rent or rates. Cash sent by post if desired. You can get money privately here, as in- terviews are unnecessary, and references are not required. Genuine applications never Tefused. The advance can be paid back by monthly, quarterly, or half-yearly instal- merits, or if desired the advance can remain out up to five years by paying interest only- SStMce no object. lowest in England and W ale"n j tvrivacy and straightforward dealings guar S Borrowers paying extortionate, .n-1 terest elsewhere are requested to apply, US when existing loans can be paid off « larger advances made at much lower rates oi interest. It will cost nothing to inquire, but may save you pounds, by aPPjjj°gfJ° strict confidence m English or Welsh, our free prospectus, to NATIONAL LOAN SOCIETY, 10, DEAN ST, BANGOR, or direct to the Head Office;- 41, Corporatlon:St., Manchester Established 1887. I Telephone City 4370y2. j MQKEY FOR BUSINESS OR PRIVATE USE. CASH FROM £10 TO £ 5,000. ON NOTE OF HAND OSsLY, Granted PRIVATELY to Tradesmen, Farmers, Publicans, and Au Classes, at moderate In- terest, and by the following Easy Repay- ments. L20 Loan from £1 Monthly. B50 Loan from C2 Monthly. JB100 Loan from B4 Monthly. J3500 Loan from J315 Monthly. By applying direct to an Old Established Firm, you may rely on getting the money without delay, Privately and Cheaply. SAMUELS AND CO.. QUEEN'S CHAM-j BERS, JOHN DALTON STREET, MANCHESTER. (iH A ii 1JN G-U KOaa JJAAh J ESTABLISHED 1870. LIVERPOOL BRANCH: 8, DALE STREET. Bead Offices: 28, Bedford Street, Strand, London, W.C., and 59, Biahopsgate Street Within, London, E.C. Pranches: — Cardiff, Leeds, Bradford, Dublin, Etc. AMetB, £ 1,607,949; Liabilities, £1,236,871; Surplus, £ 371,078. LOANS of JB50 to J62000 granted at a low hours' notice in Town or Country, en personal security, jewellery, precious stones, •tooV, shares, and furniture, without re- moval. Stocks and Shares bought and sold. Ii per cent. allowed on Current Account Balances Deposits of JE10 and upwards received Subject to 3 months' notice of withdrawal, 5 p.c. per annum. Subject to 6 months' notice of withdrawal, 6 p.c. per annum. Subject to 12 months' Eotice of withdrawal, 7 p.c. per annum. Special terms for longer periods. Interest paid quarterly. Owing to the maturc- of cur investments, we are able to par rates of interest on deposits that will compare fs,voura!bly with dividends paid cn aim'St- any ckiaa of stock or shareholding twroring the safety of capital. We have been established for 40 years, and our posi- tion in the banking world to-day testifies to the success ^f our business methods, and to tha satisfaction of our customers. Write or call for prospectus. — A. WILLIAMS and H. J. TALL, Joint Managers. \SH ACCOMMODATION £ 20 TO £ 1,000. Interest 2F 6d in the £ for agreed period. 920 repay Z22 10s. L50 repay £5 5s. 6J:IJ tbpav BW 15s. L101) repay £112 10a. W. JACKSON, 70, Plymouth Grove, Manchester. 7r; 7i G £ 5,000 ADVANCE bv I'xl- *T*i /"J* 1 vate Lendex on Simple Promia- ,w. Notes. No Bills of Sale taken and ao- ttotute privacy guaranteed. First letter of application receives prompt attention, and intending borrowers are waited upon by a representative who is empowered to csoai- slete transaction en terms mutuaLy ar- ianeed, NO CHAPvGE being made unless Business actually completed. Special Quc/iaiions for Short Loans. "Write in con- idcnce to C. WELLS, Corridor Chambers, Leic63*e?. MONEY LENT AT SHOHT NOTICE ADVANCES of large or small^&n:our.tb A (from J310 upwards) granted Wl'lli- OUT DELAY on Promissory Note only. NO BILLS OF SALE TAKEN. MODERATE TERMS. NO APPLICATION FEES. P.ir.ess Conducted Straightforwardly. Pali information supplied, either psr- oonal'v or by post, free of cost, and all en- TREATED WITH CONFIDENCE. Repayments arranged to suit borrower's con- ger-i c. -Apply to GEOKHE PAYNE & SONS I CRESCENT ROAD, ICHYL. Established 187° JO SIFH ROB E R T S, GftOCtfR AND PROVISION MERCHANT, 14, POOL STREET, and TWTHILL TEA MART) CARNARVON. THE NOTED SHOPS I For F-ragrant and Delicious Teaa. For Coffee of Exquisite Fi^'onT, For Mild Cured Hams and Bacon, Palo and Smoked. For Ripe Gorgonzola, Cheddar, arid other C heeM. And Butter of the choicest flunlitj. Freeh Supnly of Butter and F&Tethcrp*'# fiauBages T-ico Weekly. RIon-cu i YJONEY LENT PRIVATELY. iU &5 TO £ 1,000* AT A FEW HOURS' NOTICE FOR AGREED PERIODS. NOTE OF HAND ONLY at the following rates:- Loan. £ 5 JBlC L20 JB50 1;50 £100 £ 1,000 repay repay repay repay repay repay repay £5 7 6 JB1015 0 £ 21 10 0 JB52 5 0 L53 5 0 L107 100 JB1075 0 0 Small repayments accepted by special ar- rangement, or if desired the advance can remain out by paying Interest half yearly, distance no object, can be seen personally daily in North Wales for interviews by ap- pointment. Existing Loans can be paid eff and larger advances made at much lower Interest. Strict privacy guaranteed whether business done or not. Do not hesitate. Apply personally, or if inconvenient to call apply by letter, as business can be arranged by post. 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ST, DAVID'S DAY
ST, DAVID'S DAY CELEBRATIONS IN NOiRTH WALES. The celdbr&t.ion.s of St. David's Day wera general throughout- Wialeaon Tuesday. The annual dinner, held at the Victoria. Püt.é, Menai Bridge. on Monday nigfat, was largely attended, Air J. R. Diavies (Cteris) iPiesi'din. being suported by his brothers, I M<- H. R Da,vi;w, Sheriff of Anglesey; u:;d Lieutenant A. C. Davies, Professor -L'Cuis Jones (University .GoiLe-ge of North Wales, Mr Thornton Jones (Registrar of L;ie Anglesey County Count), Mr J. T. Ro- btrts (The Bank, Menai Bridge), and otihers. Proifessor iLewis- Jojics proposed "The Im- mortal Memory of ;L,. David." In tne name of fet. David ougnt- to stand for unity and advancement. rlnel18 was a ten- dency in the recerai- revival of Welsh na- tionalism to boasit much about- it (haair, hear). There was too much taik. VVbat was reqiuiied wias more work—that Wales should do sonnetliiiig vv-'hdoh wouild enbible hev to the respect of other nations, to do something that would contri!bmi.e to the civ iiisatioiii ci .wuies ..pplauee). Mv Thornton Jones. in proposing "The Town and Trade of Menaii Bridge," referred ir: sympathetic: terms to the death of Mr R. G. Thomas, for ma.ny years their genial host at those festivities. Mr H'. 'R. Dav res responded on bethalf of it-he town. Proiessor Lewis J'ones proposed "The Ghairmain," a toasib which was received with ulie greatest enthusiasm. Mi J. R. Da-vies, in the course of a long interes-tang acknowiledgment, said that were three Davi-ds of historical rank— Ki'nig David of Israel, David King of Scots, .ana thei.r own St. David1. Air Thornton Jones jokingLy suggeslted- that there was a fourth—David Lloyd George (laughiter). Proceeding, the Chawman said he could not help feeding that a festival of the kind they were participating in ought to tend to the" extinction of the narrowness and bitter- ness with, which att preseoit they mainta,ined the differences wlhicli divided them, and to tbrini-i albout a. rea.l and wholesimie uinity (loud applause). B!ETE(ESDA. St. David's Day was celebrated at Beth- esda by a gathering ol" the Bethesda C-ym- reigyddion -Socielt-y, under the presidency of M-°b. J. Will'lanils, Betliesdia County School. The usualloyllil toasts were drunk, and were foLcweå by the toasts of "The Empire," "Wales." "Betihosda." "The United Gluib," "The CjvmreiigyddLoin Siociety," and "St. David, ""the two last being proposed by the Revs R. D. Jones and J. T. Job respectively. GRIGGIETH. A dinner to which the toivvnsjyeople gener- al 1\ were invited was held at Llys Caradiog Temperance Hotel, Criccieth, on Tuesday n."bt, Dr Lloyd Owen, medical officer for Souith Carniarvaiishire, presiding. The toasit of "Stt. David" was proposed by the Rev Johr. Owen, M.A., and numerous bardic effusions followed. BANGOR. The R-ev W. E. Jones, rector of Han- ilvfiii, preached the annual M. David's Day sermon at Bangor Cathedral last evening. Thib was the only sort of celebration of the day in Banigor. PElNIMIAENMAWIR, A company of close upon a hundred sat down to a (banquet on Tuesday night at the Gland Hotel, Peiumonmawr. Colonel C H. Da-rbiahira had been announced as president, but his eldest son, Mr Wat-kin Daribishire, took the cihair, arui announiced that he QC- cupied1 his father's place in consequence of an accident which tihe latter 'had feuistaiined. Mr jW. J. Key proposed "The Clergy ajidi Mm:inters of all Denominations," the Rev Griffith Mailt hews responding. The Rev J. F. Reece, viioar of Lianrh'os, and the Rev D P. Da vies also replied. Mr Jlames Porter, of Conway, submitted tl- toiast of the "Imperiajl Forces." He corrmended tho scheme of General Baden- Powell's Boy Scoute. 'Lf parents encouraged their boys to join the coips they would not .regret it. Young men should be encouraged to join the Territorials, and iin, these forces Pcnmaenmawr held^n enviable position. iGaptain n. T. Jenkins, in replying, said that the Penmaenmawr Gomip-any was now the strongest in the 6th Battalion. Mr L. J. Roibealts, his Majesty's Inspector of Schools for North-West Wales, proposed the toaist of t'he "Imimortal memoiy of St. David." Mr Pu(>oai1Ls dtalt in a few re- marks with an extraordinary letter that ap- I pem-ed in the "Spectator" las't Sal-urday wriiter of the letter maintained tihat Wales had never produced a person, who would live in history with the exception of Mr Lloyd George. iSluirely the writer pf tihat letter would ndb deny that St. David, the f,atron sainit of Walles, was a nia-mo tha.t lived in history (applause) ? [Within about five miles of where they were assembled that niglht was the birthplace of another ecclesi- astic, Archbishop Williams, of York, and Lord Keeper of England: in Charles I.'s tuno—"hasty, hot, Welsh' Williams," as Gar- lyle called him, and close by was the birth- place of the Welshman, John Gibson, the scu'lptor. Fsrom Pemmaenmawr, they could I, abnost see in the mystic Anglesey the man- sion of Penmyraydd, the ancestral 'home of ibe Tudotrs-, the strongest dynasty. that ever sat on the English, throne. Englismen, said the speaker, had no idea of the rich mine of literature tliait existed in the Welsh lan- guage, but those of them wiho had learnt Welsh readily acknowledged the greatness of manv of the Welsh poets. Thus, George Borrow" (who had Learnt Welsh in addition to the amazing wuimiber of languages he had mastered) said that 'Qbl'lonwyOwen was "the greatest British poet of the last cen- tury" (the eighteenth), a.nd of Da.fydd ap G-wilym lie said1 that he "always considered him the greatest poetical genius tihat had ap- peared in Europe since the revival of liteTa- iture" (applause). Biift leaving out tihe names of those who had written or sung in Welsh, wihait if they omitted from the roll of British authors the names of "Walter Map, Geoffrey of Monmouth, Gfiirtaldus Cambrensis, George Herlberft-, Henry Vau.gihan (the Silw- ist), John Dyer, and George Meredith (ap- plause). Pt*'d none of these a niche in his tory ? And, in the world of acition, let them not forlgelt that Oliver Cromwell was the grandson of a Welahiman from Glamorgan, and himsellf sigrued hiia name as "Oliver Cromwel, alias Williams, in his early .v days If tihe writer in the "Spectator" ever diank any waiter in London—possibly he was a follower of Stl Diavid in bedng a water drir.ker—he sihould rememhei' he owed it to aroth.er native of Denbigh, Mr Hugh IMvd- dleton. who, tlhroo cenitunles ago, brought Ivordan tJhA waiter from the New River, whicih stil,l formed the waiter supply of the metropolis (applause). Mr J. W. Post proposed "Cyimam, Cyimry, i-t C), a'r iaith Gymraeg," to which Mr R. Lloyd Jones replied. "The. Visitors" was< suhmitltad by the Rev T. D. Jones, and responded to hv Mr Owen Rowlands, of Conway. Captain Jenkins gave the toast of "The President," whi.dh was dfunk with en- lac thusiasm. Durinig the evewnig sonigs and part-songs were sumig, tihe programme being arranged .bv Mr Christmas JojMs. the hon. secretary of the Llandudno Eisfceddifod.
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REAL ARMAMENTS. The most powerful and serviceable of all armaments at man's disposal consist not in armour plate, not in guns or ammunition. The true armament is that which comes from the enjoyment of robust health, from the possession of firm flesh, a bright brain, a ¡ clear eye, a steady hand, and a vitality to resist all forms of illness, or other danger that may be about. There is no greater helr to health than prudently chosen food in fact no one can remain long in the pink of perfect health who neglects to exercise discretion in choosing the things of the table. The body requires, everyday, a cer- tain proportion of nutriment, but in several forms. There must be nutriment to repair waste and build up new tissue; there must be nutriment to supply energy to the func- tions, and there must be nutriment in the form of warmth. Currants supply all these in the proper proportions. The man, or I woman, who eats currants liberally daily is I armed against the dangers which beset health. Ask your grocer for the free book- let, entitled "Home Recipes for Cooking Currants," which gives the various ways in which Currants can be prepared for th", family meals.
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ST, DAVID'S DAY
LLANDUDNO. Mr E. W. Johnson presided over a suc- cessful dinne/i" given in the Clarence Hotel, on Jvionuay night. xhe catering was ex cellent. Mr John Roberts, Bryn Celyn, oc- cupied the vice-chair. The tables having been cleared the usual loyal toasts were proposed from the chair, and musically honoured. ilr. Farrington ,in proposing the. toast of "Ihe: Navy and Army," impressed upon all present the importance of having a supreme navy and a strong army., They 1 had been left a glorious heritage, and it was their duty to protect it at all hazards. He contended that this country should have a citizen army of which they should feel proud. Colonel Eles, who stated that he had bee,n through four campaigns, said that he had now retired, and however much he would like t<o turn out again he would prefer to see this country left in peace to follow its commercial pursuits and to pursue a civilis- ing policy throughout the world. He dwelt at length on the aims of the National Service .League, and maintained that they should nave a Citizen Army whereby 143 000 young men could be trained every year. If 1 this country had an army of 1,000,000 men and a strong navy, no country; however, anxious, would attack it. CoI. Sarson, who also responded, observed that the, Army was becoming daily more in contact with the daily and commercial life of the community. Councillor T. W. Griffith, J.P., proposed the toast of "The Clergy and Ministers of all denominations." The speaker said that he was pleased to learn that all their local ministers and clergy were on the very best terms one with 'the other, in spite of theo- logical and methodical difficulties, and that they were all working to attain the same end (hear, hear). They were proud of the work they were doing in Llandudno by in- structing elevating, and making better citizens of 'the people (cheers). They at- tended to the poor and the needy through- out the town (hear, hear). They were all sorry to hear of the illness of the Venerable Archdeacon Evans—that grand old Welsh- man, of whom they were all proud (ap- plause). Archdeacon Evans was a man of whom lie had every reason to be proud of. His (the speaker's) father and Mr Evans were close friends fcl- many years whep the .latter was Vicar of Abergele, and many a score of times did he visit Clwydfardd's r /nendship was so close that when he brought a book out) some years ago, faVit''6<i l° ArChdeaC°" The Rev J. F. Reece, in reply, said that at one time 'the memory of the great men of es was not honoured by many monu- ments, but he was glad that at last Wales was recognising her great men. iather Ratcliffe, Provost of the Chapter of Menevia, observed that some people argued that St. David was not a Welshman. Some said that he never existed. Others that he was an Irishman (laughter). Well, they all knew that St. George was not an Englisihman-(laugllt.er)-that St. Patrick was not an Irishman—'(laughter)—and that St. Andrew was not a Scotchman (loud laughter). There were certain tributes which made him think that St. David did not only exist, but that he was also a Welshman It was stated of him that he was eloquent and a man of action-but better as an ex- ample. He was a mirror which rene.t.-d his example to his people, and the Welsh pc-erh had followed in his virtue (applause). The Rev J. Irvon Davies. also replied. He said that there was a feeling abroad that the clergy and ministers were non- producers but heavy consumers, and he would not be surprised to see some Budget scheduling their stipends as unearned incre- ment. The beet way for the clergy and ministers to vindicate their position was to live thoroughly up to their mission. They must in this age of growing materialism and indifference emphasise the tihree overwhelm- ing terms-GDJ, elteirnity, and the soul. They must see they did not sett class against class, but rather link hostile classes to- gether, and humanise much of the asperity prevailing in their midst to-day (applause). The Chairman, on rising to propose the toast of "The Immortal Memory of St. David," was received with very hearty ap- plause. The toast he had to submit, he said, was intended, to. his mind, not so much as an aid to the immortalising of 'the memory ofi their patron saint, because such gather- ings as that were not necessary for that purpose, but rather to bring together for once in a while the great variety of senti- ments which possessed the land (applause). There wetre men who did not always know what they wanted or how to get it, and 'there were men who imagined that the differ- ences between them were greater than they really were. There were men, too, in these times, who fostered {he said it boldly) these differences, and extended these gaps be- tween them, and there were too few mea, in these days, who were endeavouring to bring them closer together, and to show how little, i,n reality, were the differences be- tween them and to endeavour to show the common aim and object which each one had in this life. There was too little of that toleration, that charity, and that milk of human kindness to make things work har- moniously between them, too much standing upon platforms, too much appealing to petty interests, to some petty corner of humanity (applause). They did not show, as they might show, that in all these great bodies, religious and political, they were Welshmen, patriots. all aiming after the same end. They did not) come together enough, and compare notes often enough, and did not live as though they were brothers and sisters in a common land. The amount of money that was spent upon fostering religious and poli- I tical differences in this good land of theirs I .was colossal; to him it was pathetic and ap- palling that they did not occasionally stop dead, and turn round and look back, in- trospectively, and take stock of themselves. Why could not they think as thinking men why could they not give full license to that magnificent education of which they were proud,—too much of the mind, 'too much of the passion, too much of the temper, and too much of the tools wherewith to fight in religious and political life. Was there not something wrong? He was sorry to make an after-dinner speech in which he struck a note hardly in tune with the magnificent eloquence and the happy points made by the previous speakers but it did seem to him, as a Welshman, a man uorn in Anglesey, that the true patriot of this country was the man who had the good of his country at heart, and did not want to see the money, the time, and the life and soul and the mind of,. men expended upon pettyfogg- ing differences. They would all be able to get into the same harness and pull the same coach, instead of pulling opposition coaches. Let them think of the dead waste of money and mental power and the waste of capacity in everyone of them, all done in a land the loveliness of which was their constant theme. Did they think of the great, possibilities of blending their forces for the benefit of, their common land ? Let the bigotry and non- sense be taken from 'them, and let the memory of St. David help them to a better understanding all round (applause). English, Welsh. Scottish, and Irish were the four horses in the same team, pulling along the same coach of empire to which they all were so proud to belong (applause). Mr John Roberts (the vice-chairman) said that he attributed the fact that Wales was the most religious country in the world to the influence of Dewi San't. Welshmen, continued the speaker, were rising to eminence in Church, State, and in other walks of life. Wherever any large; number on Welshmen resided they exercised a moral influence on the community of which they formed a- part. Mr J. J. Marks, in further responding, associated himself with all that had been said. At that late hour he would say no more, except that St. David was the; Bishop of Menevia, and that there was some amount of appropriateness in the fact, that they had with them that night Father Ratcliffe, who was the Provost of the Chapter of Menevia (applause). Musical contributions were rendered by Mr C. W. Brown, Mr Sidney Stoddard, and Mr Llew. Davies (Colwyn Bay). Mr Osborne Roberts was the, accompanist. Mr Morris (Messrs Hassal, Dodd and Co.) ful- filled the secretarial duties in a very credit- able manner. HOLYHEAD. At the Market Cafe, Holyhead, on Tues- day evening, an excellent supper was pro- moted by the Liberal Club. The Chairman said that Wales, though a comparatively small country, exerted a wide influence. Fifteen hundred years. ad elapsed since St. David, the patron saint cf Wales, lived, but he exerted an influence on the Welsh nation to-day. One of the chief mottoes of St. David was "work." He inculcated manual labour into those who were associated with him. To-day Wales had another St. David—Mr David Lloyd George (applause). He was infusing new life and new ideals into the life of the Brit- ish nation, and was a man of great energy and full of work. He hoped the young men present would emulate St. David and Mr Lloyd George in making work the object of their life (applause). Mr David Jones rendered a song, and was warmly encored. A pianoforte duett was given by Miss M. C. Owen, and Mrs David Jones, who also acted as accompanists dur- ing the evening. Miss Shella McKay, a. little Scotch girl, next sang a Welsh song to the great delight of the audience, and was most enthusiastically encored. She was accompanied on the instrument by her little brother, Master Angus McKay, who was highly praised by the Chairman for his performance. The duett by Messrs R. D. Parry and Robert Williams, port missionary, was the signal for great arplause, and they were compelled to respond to an encore. The toast of the evening was. moved by Mr Owen Roberts, who spoke in glow..ng terms of the patron saint of Wales. He re- i minded the audience that this was an event- ful day in the history -of the Welsh people. The memory of the departed saint was cele- bratad in London, Liverpool, and other British centres, and even in America, Aus- tralia, and Afiica. The speaker, in conclu- sion, made some effective remarks about noted men who had lived and flourished in Anglesey. Mr William Thomas (Pearl) seconded in a brief but appropriate speech, and the toast was cordialiv responded to by the gathering. Miss Myti Jones sang, and received d. hearty recall. Mr John Roberts's singing was much enjoyed, and he was. encored. Mr Wiliiam Hughes (America) delivered I a speech on the Welsh language and people, and was frequently applauded. Mr O. J. Jones proved a very acceptable soloist, and was well received. Mr Gwynedd Williams and the Rev E. B. Jones also addressed the meeting.