The Aberystwith Observer

Sales by Eucfton. "OIIE SOLD, pursuant to an Order of the High Court Of Justice, Chancery Division, made in an action of 'CO Harriet Vibart Haghes, deceased, Vibart v. Vibart, 1835, H 2597, with the approbation of His totdahip Mr Justice Chitty, in one Lot, and in the J|*ent of same not being- sold in one lot, then in ^Thpee Lota, or in 22 Lots, by JuTR OWEN D \NIEL, the person appointed by .» the said Judge, at the Lion Hotel, Aber- • ^Wyfch, on 0 F_ WEDNESDAY THE 30TH MARCH 1887, o'clock in the afternoon, the Valuable Freehold fjoperty known as the ABERLLOLWYN ESTATE, iS^ychaiarn, Cardiganshire, and comprising the i House of Aberllolwyn, with Gardens, Green- and Vinery, Conservatory, Woodlands, Fields Pleasure Grounds. The house is situated in a i?08* picturesque spot, having a Railway Station (on e from Aberystwyth to Lampeter and Carmar- within a quarter of a mile, and is within 3 of the fashionable watering place of Aber- and contains very requisite for a Family, Ji1™* Lawn, Coach-houses, Stabling for 6 horses, S**uue Room, Cow, Pig, and Poultry Houses, and a Y etched detached Dairy House (outside), now let on for 21 years from November, 1881 at < £ 153 a Year. Farm House, Lands and Buildings of •HKYNYRYCHEN, containing about 215 acres, let tease for 21 years, at < £ 160 a year, Lessee paying ^^tttgoings. Divers FIELDS of Arable and Pasture Land, from *OOttt 1 acre to 12 acres, let separately, and trrv" substantially built FREEHOLD DWELLING with Gardens, held on leases for unexpired of from about 34 to 50 years, at annual ground from to 30s each. wffciculars may bo had of Messrs C. E. Abbott and 1~ Baever, Solicitors, No 52, Lincoln's Inn Fields, i*M*don, W.C.; Mr W. S. Trollope, Solicitor, No 15.J, JjjSj^went-street, Westminster, S.W. Messrs Jones & Co., Solicitors, Aberystwyth, and at Auctioneer's Offices, Aberystwyth, Machynlleth Towyn. TOWN OF ABERYSTWYTH. IDnaoRT ANT FREEHOLD BUSINESS PREMISES FOR SALE. OWEN DANIKL has been instructed by the **■» Mortgagee to offer for Sale by Public Auction, ON THURSDAY, MARCH 17TH, 1887, o'clock in the Afternoon (subject to Conditions), the Gogerddan Arms Hotel, Aberystwyth, the MESSUAGE SHOP AND PREMISES, No. 33, LITTLE DARKGATE STREET, ABER- jStWTTH, now in the occupation of Mr Richard "•wards, Butcher. ttJS19 Property has a good Frontage in an important the town, and from its commanding position adapted for carrying on an extensive business, fjsra are also good Back Premises attached. U particulars may be obtained of the Auc- and of Messrs Roberts, Son and Evans, ^ucitors, all of Aberystwyth. PRELIMINARY ANNOUNCEMENT. Sale of Superior and Modern Household Furniture, Carriages, Harness, &c. E. J. MORGAN will offer the above for Sale by Auction, at the Black Lion Hotel, Taly- woat, ^■rf&er particulars will shortly appear in posters BRISTOL STEAM CABINET WORKS. ESTABLISHED NEARLY 50 YEARS, As EXTENSIVE MANUFACTURERS OF SUPERIOR FURNITURE, ARTISTIC, USEFUL & INEXPENSIVE, UNPRECEDENTLY LOW IN PRICE. JJAYEETON & OO.'S, ILLUSTRATED CATALOGUES, CONTAINING OVER 1,000 ENGRAVINGS, GRATIS AND POST FREE. COMPLETE BEDROOM SUITES, BEST MANUFACTURE, FJSOM SOLID ASH OR PITCH PINE, AT 11 GUINEAS. "FRONDREDS OF BEDROOM, DINING AND DRAWING ROOM SUITES, unparalleled POce and quality for selection from. ^DDSESS— LAVERTON & CO., UPHOLSTERERS, ^SY-LE-PORf STREET & BRIDGE STREET BRISTOL. E. & R. REES, COACH BUILDERS, MARY STREET, ABERYSTWYTH, BEG to announce that, having extended their premises, th-y have additional facilities for <*°od.acting their Business. NEW CARRIAGES ON HAND. ^xmghaias, Landaus, and all sorts of Carri. ages, made to order. A-very handsome NEW BROUGHAM, painted and lftd green, for Sale. EVERY FRIEND OF THE COLLEGE SHOULD SEE THE TJSTTVERSITY COLLEGE OF WALES MAGAZINE, CONTAINING Fall Reports of College News, Original Articles, &c. Subscription for the (6 numbers) 3s 6d (post free). Send name address to the Financial Secretary U.C.W. £ *zine, U.C.W., Aberystwyth. Orders payable ^5- LI. Jones, Financial Secretary. J" CURE FITS! When I say cure I do not mean merely to stop them for a time and then have retaru again. I mean a radical cure. I hare Scathe disease of FITS, EPILEPSY or FALLING ESS a life-long stndy. I warrant my remedy the worst cases. Because others have failed for not now receiving a cure. Send at for a treatise and a Free Bottle of my infallibl« Give address in full. It costs you nothing la? J trial, and I will cure you. Address Dr H. G. 5, Plum Tree Ct., Farringdon-st., London, I IPufiltc Nottrrs. CARDIGANSHIRE. EASTER QUARTER SESSIONS, 1887. NOTICE IS HEREBY GIVEN, that the next Gen- t eral Quarter Sessions of the Peace will be held and kept at the Town Hall, in the town of Lampeter, in and for the said County, on Tuesday, the 5th day of April next, at Eleven o'clock in the forenoon, at which time and place the Court will proceed to the adoption of the provisions of the several Acts of Parliament relating to the assessment, application, and management of the County and Police Rates,and will pass all Bills examined and approved of by the Finance Committee, after which all other County Business will be proceeded with. The Court will be moved that a humble address be presented to Her piost Gracious Majesty the Queen congratulating her on the attainment of the Fiftieth year of her Reign. Attention will be callcd to the distribution of the Police Force, the Police Superannuation Fund, and other matters relating to the County Police, and to move resolutions thereon. It will be moved that the appointments of County Surveyor and County Roads Surveyor bo held in the future by one and the same person. The Court will appoint a County Surveyor. Application will be made for a grant not exceeding X550 for repairing the Cardiganshire portion of Llany- byther Bridge. Under the powers of the Act 41 and 45 Vic., c. 14, application will be made for a contribution by the County Authority of a sum not exceeding Y,75 to- wards the cost of a Bridge erected over the river Brefi, at Llanddewi Brefi. Application will be made for a sum not exceeding < £ 100, for discharging the remaining costs of the erection of the New Lock-up House at Aberayron. And Notice is hereby also given, that after the dis- posal of the county business the court will proceed with the other business of the Sessions, in the follow- ing order :—Firstly, Trials of Prisoners secondly, Trials of Traverses; and thirdly, Hearing of Common Motions and Appeals. And Notice is hereby also given, that all Appeals and Traverses to be tried at these Sessions must be entered with the Clerk of the Peace at the opening of the Court, and all Grand and Petit Jurors, Baliifs of Hundreds, and persons bound by recognizance, must attend and answer to their names, and the several Magistrates of the said County are requested to cause all depositions taken before them,relating to Felonies and Misdemeanours, to be prosecuted at the said Ses- sions, to be transmitted to the Clerk of the Peace on or before the 29th day of March instant, and in all cases arising subsequently, immediately after being taken. And Notice is hereby also given that all persons having any claim against the County must send in their Accounts to the Clerk of the Peace's Office, at Aberystwyth, on or before the 17th day of March instant, and must attend before the Finance Com- mittee of Magistrates on the 18th day of March instant at the Town Hall, Lunpeter, at Eleven o'clock noon, for the purpose of having their claims audited, if required, otherwise they will not be paid. Dated this 8th day of March, 1887. F. R. ROBERTA, Clerk of the Peace. ABERYSTWYTH UNION. I the Undersigned, hereby give Notice, that the AUDIT of the Accounts of the said Aberystwyth Union, and of the Rural Sanitary District in the said Union and of the several Parishes and Contributory Places contained in the said Union and District, or in the said Union solely, for the half-year ended 29th September last, will eommciice at the Board Room of the Guardians of the Poor of the said Union at Aber- ystwyth, on Tuesday, the 22nd day of March, at 12 o'clock at noon. Dated the 8th day of March, 1887. (Signed) EDWARD JONES, District Auditor of the South Wales Audit District. SCHOOL BOARD ACCOUNTS. I the Undersigned, hereby give Notice, that the AUDITS of the Accounts of the undermentioned SCHOOL BOARDS for the year ended 20th September last, will severally commence at the respective place s and at the respective times specified below. i Place at which. Time appointed for Name of School. Audit will be Audit. Board. held. —————————— Date. i Hour. Aberystwyth .Board Room. March 23rd. 5 p.m. Llanrhystyd Workhouse, March 24th.Ill a.m. Aberystwyth. I Dated the 7th day of March, 1887. (Signed) EDWARD JONES, District Auditor of the South Wales Audit District. ABERYSTWYTH UNION. CONTRACTS FOR PROVISIONS, &c. THE Guardians of the Poor of the Aberystwyth JL Union are ready to receive Tenders (accom- panied by samples or patterns where practicable) for the Supply of the following Articles and Materials to their Workhouse, from the 25th day of March, 1887, to the 29th day of September, 1887, viz. ;-Stones from the Beach, per ton, Fresh Meat, Milk, Straw, Pota- toes, Coals, Firewood, Coffins, Ironmongery, Boots and Shoes, Linen and Woollen Drapery, Haberdashery, &c., Provisions and Grocery, Printing and Stationery, Printing Abstract of Accounts. It is competent for any Person to tender for any of the Articles separately. The Contractors will be required to deliver the Goods at the Workhouse free of expense, in such quantities and at such times as the said Guardians shall require by their written order. Forms upon which the tenders must be made can be obtained at my office, where particulars of the Goods required during the six months may be seen. The Tenders must be delivered at my office, scaled and properly endorsed, before one p.m. on Saturday, 19th inst. All samples sent in by persons tendering and whose tenders are acccpted will be retained by the said Guardians, and no charge shall be made against the Guardians for such samples. The Guardians do not bind themselves to accept the lowest or any tender. By Order, Union Offices, HUGH HUGHES, JUN., Aberystwyth, Clerk to the Guardians. March 8th, 1887. CAMBRIAN RAILWAYS. VISIT OF HER MAJESTY THE QUEEN TO BIRMINGHAM, ON WEDNESDAY, MARCH 23RD, 1887. ON the above occasion Cheap One Day and Three Days' Excursion Tickets will be issued from all Cambrian Stations to Birmingham. The tickets will be issued by the 8 a.m. and 12.40 p.m. trains ex Aberystwyth 6.30 a.m. from Pwllheli 7.49 a.m. from Barmouth; and 9.10 from Machynlleth. Day Trip Passengers return from Birmingham at 12.5 midnight on date of issue of the ticket. Passengers holding Three Days' Tickets return from Birmingham at 11.20 a.m. on March 24th or 25th. For full particulars as to fares, and train times from all Stations, see Company's handbills. J. CONACHER, Secretary. SEED SEED SEED E. P. T A YLOR, 17, TERRACE ROAD, ABERYSTWYTH, BEGS to inform his numerous Customers that he has recceived his annual supply of NEW SEEDS, Garden and Field, comprising Myatt's Ash Leaf Potatoes, Rivers' Royal, and other later Sorts. Prize Peas in great Variety. Flower Seed in Id. packets. WREATHS of natural Flowers kept; also I Immorlelles. Bouquets, &c. jubliq 'Jjtofte. PRUDENTIAL ASSURANCE COMPANY, LTMITED. CHIEF OFFICE HOLBORN BARS, LONDON. Summary of the Reports presented at the Thirty-eighth Annual Meeting, held CD 3rd I March, 1887. In the Ordinary Branch the number of policies is- sued during the year was 25,567, assuring the sum of £2,715,429, and producing a New Annual Premium Income of £ 125,604. The Premiums of the year were £396,940, being an increase of £93,6G5 over the year 1885. The claims of the year amounted to .8135,361. The rate of expenditure of the branch was little more than Ten per cent. on the Premium Income. The number of policies in force was 85,089. An alteration has been made in the Regulations of the Company, empowering the Directors in future to pay an interim bonus upon all Participating Policies on their becoming Claims, in respect of any Premiums paid subsequent to the last distribution of profits. The Premiums received during the year in the In- dustrial Branch were < £ 2,911,295, being an increase of < £ 118,773. The claims of the year amounted to < £ 1,123,428. The number of deaths was 135,851. The rate of expenditure of the Branch shows a slight re- duction. The number of Policies in force, including 58,099 Free Policies, was 7,111,828. n A supplement to this Report will also be submit- ted, showing how the assets of the Company are in- vested. The tables of the Industrial Branch have been again revised, and additional advantages are secured to the Assured,which the Directors believe will yet further enhance the popularity of the Company. SUMMARY OF THE QUINQUENNIAL REPORT FOR THE PERIOD ENDING 31ST DECEMBER, 1886. In the Ordinary Branch the Annual Premium In. come has increased from < £ 142,732 to £ 407,330. The Assurance Fund has grown from £74.4,583 to < £ 1,764,000. In the Industrial Branch the Annual Premium In- come has increased from < £ 2,051,024 to £ 3 065,551 The Assurance Fund has grown from £1,721,493 to < £ 1,937,003. The Total Assets of the Company have grown from £ 2,580,002 to < £ 6,311,951, being an increase of < £ 4,231,952 in the live years under inspection. The rate of expenditure during the Quinquennium in the Ordinary Branch has remained, nearly stationary, at little more than ten per cent. A reduction of seven and a-half per cent, hAs been effected in the expenses of the Industrial Branch. It will be seen from Mr DEWEY'S Report that the average duration of all the Policies in the Industrial Branch is now no less than five r.nd a-half years, a satisfactory indication of the success which is attend- ing the efforts of the Directors to increase the dura- tion of the assurances. Extract from Mr A. H. BAILEY'S Report. Having from time to time been cousnlted as to the principles upon which the valuations should be made of the outstanding liabilities of your Company on the 31st December last, I have now examined the results of those valuations,the processes employed in obtain- ing and checking the particulars from the records and the methods adopted to insure accuracy in the calculations. Some notion may be formed of the magnitude of the work when it is stated that the number of assur- ances in force,exclusive of annuity grants is 7, 19G 917. so that if each policy were on a different life, which is probably not very far from the truth, the lives of 19.6 per cent, or very nearly one-fifth of the entire population of Great Britain and Ireland, are assured in this Company. The business is carried on under two distinct branches, the" Ordinary" and the "Industrial." In the former, the premiums are payable annually, half yearly or quarterly and the terms and condi- tions resemble those of the majority of the Life As- surance Companies of the country. Iu the latter branch the rates are higher, because, without excep- tion, the premiums are payable weekly, au arrange- ment which the ordinary Companies will not adopt on aceount of the heavy expense and trouble of collection but which experience seems to show is the only way whereby the wage-earning portion of the community can be reached. For ten years the two Branches have been con- ducted independently of each other, as if they were distinct societies separate accounts being kept, and separate investments made for each. Being now, however, practically worked by the sime agents, the public select whichever best suits their convenience, and consequently the distinction between the character of the business of the two branches is be- coming less. As an instance of this it is noticeable that while the average amount assured by each policy in the Ordinary Branch has diminished since the last valuation, being now < £ 116 against the .£137 five years ago in the Industrial Branch the average amount has slightly increased, and is now £ 9) 8s. ORDINARY BRANCH.— The growth of this Branch has been very remarkable. The premium income from the assurances is < £ 406,8.j2, having nearly trebled in the quinquennium, and being surpassed by only four other Life Assurance Companies in the United Kingdom. The basis upon which the valua- tion of the liabilities has been made is explained in Mr Hughes' report. It may be shortly described as follows ;-The past experience of Assured and Annu- tant lives has been adopted for the rates of mortality; 3 per cent, for the ra' e of interest; and 22 '7 per cent. of the premium income, which is the whole of what is called the loading, has been reserved for future expenses, profits, and contingencies. Of the ample fiufficiency of this reserve no doubt can be entertained, especially as it has now been resolved that the whole expenses of this Branch shall be limited to 101 per cent.cof the premium income. INDUSTRIAL BRANCH.— In this Branch the Premium Income has now reached the enormous total of X3,065,551, payable in weekly premiums averaging about two pence each. The ages of the lives assured vary from 1 year to upwards of 100, fourteen centenarians being found upon the registers. The females out-number the males in the proportion of 1,075 to J ,000, an excess somewhat above that of the general population, whereas in the ordinary Companies the number of male lives assured is found to be about eight times that of the females-. A large number of the policies in force have been effected on the lives of children. And, if death occur during the- first year of assurance, the contract provides that, with some exceptions, a deduction shall: be made from the sum assured. From these circumstances some modifications in the principles of valuation adopted for the Ordinary Branch become necessary. These are explained by Mr DEWEY in his report, with which I concur.. For instance, the table of mortality employed for' the Ordinary Branch represents, the experience of adult male lives only, children being altogether omitted. For the Industrial Branch, therefore, Farr's English Life tables have been used, and separate valuations made for the male and female r:sks, the mortality of the two sexes being different. Again, the rate of mortality of children, unlike that of adults, diminishes from year to year up to a certain age. And therefore the risks on the lives of children not exceeding ten years of age, and those under all Policies granted during last year, have been treated as short term assurances, for which a nominal re- serve only is necessary. With these exceptions, a valuation on the same principles as in the Ordinary Branch has been made of all the outstanding Policies. These facts and figures speak for themselves, and it is hardly necessary to add how eminently satis- factory the results of this elaborate investigation must be to all who are interested in the welfare of the Company. Extract from the report of Mr W. HUGHES, Actuary of the Ordinary Branch. The Valuation is as before on the net premium system, the whole of the loading or difference between the premium payable and the risk premiums being reserved as a provision for future exponsts and profit. This loading amounts to £91,078 per annum. The number of Policies in force at 31st December last was 85,089, assuring with Bonus < £ 10,226,238, and pro- ducing an annual premium income of < £ 407,36l> 8?. Of this amount £13,726 is reassured at an annual cost of J508 7s. A feature worthy of note is the large proportion of Endowment Assurances lately effected. At the last valuation, 1881, these Policies formed 16 per cent, of the whole number in force on the 31st December, 1886, there were 31,120 of these Policies, being no less than 36 per cent. of the whole number of Assurances. The net results of the Valuation DrB as follows Life Assurance Fund, 31st December, 1886, £ l,7o4,600; Reserve for Life Assurance and Annuity Contracts, < £ 1,457,873. Extractfr,m the report of Mr T. C. DEWEY, Actuary of the In dustrtal Branch. The Policies in exietence on the 31st December, 1836 (the date of Valuation), were 7,111,828 in num- ber, assuring tho sum of £66,689,111, and producing a weekly income from Premiums of £.58,953, and an Annual Income of < £ 3,065,551. The number of Free or, Paid-up Policies which have been granted in lieu of, Discontinued Policies is now 53,099. It will be seen that the average amonnt assured by each policy is £98s, and that the average weekly premium is twopence. The experience of the Quinquennium shows that the business is yearly becoming of a more stable character, for notwithstanding the large influx of new business during that period, the average duration of the Policies now in existence is about five and a-half years. I believe that as Industrial Assurance becomes better appreciated, it will assume an even more per- manent character, and that the difference in this respect between Ordinary and Industrial Policies will disappear. I can see no reason, therefore, why different principles should now be adopted in the valuation of tlii two classes of assurances, and I have consequently valued pure premiums only, reserving the whole of the loading, distinguishing male from female lives. The proportion of the premium reserved is 432 1 per cent. The mortality of this Branch having been carefully "ded for many years. I find that the English Life lable (No 3) most closely accords with our experience, and I have therefore adopted that Table for every description of assurance. In all calculations I have assumed that R3 per cent. per annum will be realised on the investments. The result of the Valuation is as follows: Present value of sums assured, < £ 32,760,509 present value of o*0 Pure premiums, < £ 28,288.658. Net liability, ^4,471,851. It may be contended that the principles which are adopted in the valuation of ordinary assurances are not applicable to Industrial risks, but it ruuet be a source of the highest gratification to you and to every one connected with the Company to feel that the business of this Branch will now bear a test so severe and one hitherto unknown in the history of Industrial Assurance. General Balance Sheet of the Prudential Assurance Company, Limited, on the 31st December, 1886. LIABILITIES. < £ s d Shareholders' Capital 80,028 0 0 Ordinary Branch Funds 1.765,19315 6 Industral Branch Funds 4,937,003 4 4 Claims under Life Policies admitted 29,728 18 4 .£6,811,953 18 2 ASSETS. British Government Securities, Con- sols and New 3 per Cents 1,003,325 18 7 Metropolitan Board of Works Stock and City of London Bonds 15244310 0 Bank of England Stock 29,483 610 Loans en Municipal and other Rates 1,468,459 19 10 Freehold Ground Rents and Scotch Feu Duties 1,316,532 1 7 Freehold and Leasehold Property 614,169 4 5 Indian, Colonial, and Foreign Government Securities 234,331 15 0 Reversions 129,389 2 3 Kail way and other Debentures 859.476 17 11 Railway and other Shares 20,471 2 9 Mortgages 577,740 13 1 ljoans on the Company's Policies 47,145 4 0 furniture and Fittings 20,500 0 0 Loans upon Personal Security 712 10 0 Outstanding Premiums 145,176 15 0 Cash in hands of Superintendents and Agents'balances 39,153 12 8 Outstanding Interest and Rents 63,106 2 4 Cash—On deposit, on current ac- count, and in hand 90,336 111 £6,811,953 18 2 WILUAMDHS. } "»»«««"• ISNIT W. J. LANCASTER, Secretary. PATRICK FRASER ) Directors. PHCENIX FIRE OFFICE, LOMBARD STREET and CHARING CROSS, LONDON, ESTABLISHED 1782. INSURANCES against loss by Fire and Lightning -L are effected upon every description of Property* in all parts of the World, on the most favourable Terms. The settlement of claims arranged with promptitude and liberality, this Company having already paid for Losses more than FIFTEEN MILLIONS STERLING. WILLIAM C. MACDONALD, 7 Joint FRANCIS B. MACDONALD, ) Secretaries. Rates and full particulars may be obtained from the Agents at ABEBYSTWTTH :—Mr D. P. Davies, 3, Pier-street I ABERAYRON :—Mr W. H. Jones, N. P. Bank. ABERDOVEY:—Mr J. Davies, Station, &c., Master LAMPETER:—Mr Edward Evans, Draper. | TREGAEON :—Mr John Evans, of Werna. GREAT REVIVAL IN THE FASHION FOR SILKS. SILK DRESSES ARE FASHIONABLE AND BECOMING. A SILK DRESS is charming for young adies, becoming to the middle-aged, and stylish for all. SEEDS! SEEDS! SEEDS! Gr. WILKINSON, SEEDSMAN, FRUITERER, &C., ABERYSTWYTH, HAS just received his Stock of New Vegetable and Flower Seeds in great variety, and of nnex ceptional quality. All Best Sorts of Early Seed Pota- I toes. People who want Seeds that will give satis- faction are invited to try WILKINSON'S. I WREATHS and CROSSES of the choicest description | direct from Paris. iSHitratton. WELSH GIRLS' SCHOOL, A8HFORD, MIDDLESEX. Patron-HEn- MAJESTY THE QCEBN. President—His Ro?AL HIGBLNTESS THE PR-INCE OF WALKS. LADY-DAY ELECTION. THE Commitiee will at once elect Five Scholars to 1. enter at Lady-day. Cost of Education, < £ f» per annum scholar's fee, < £ 32. No extras of any kind. Qualification :—One parent born in Wales, Mon- mouth, or the parishes of Oswestry, Llanymyneahr rvr Selattyn. For form of application and prospectus of School- apply toC. W. JONES, ESQ., 4, Douglas Villas, Grey.- hound-lane, Streatham CommoPj London, S. W. ABERYSTWYML"" I MR D. SAMUEL, M.A., Late Scholar and Prizeman of Clary College, Cam- bridge, and 20th Wrangler, 1879, has opened a NEW GRAMMAR SCHOOL, at the OLD BANK, BRIDGE STREET. Terms on Application. MISS EVANS WILL Open a School for a limitsd number of Young Ladies, commencing on 1ST MARCH, 1887. Aliss EVANS, who has been a Student of the Kensington Sonooi of Art, and is Certificated,, will give Private Lessons in Drawing, Painting, and Mosic. Terms on Application. 19 or 30, PORTLAND Si'RbiEl', ABERYSTWYFH. MR AXD MRS McKAY, 11, GEORGE STREET, ABERYSTWYTH, T^vESIRE to inform the Public that they give Lesssons in FRENCH and MUcIC, on reason- able terms. LADIES' CO Lj LEG I ATE iOIIUUL, ABERYSTWYTH. PRINCIPAL. Mrs RUSH. HE.AD MASTER Mr RUSH, B.A. HEAD MISTRESS Miss RUSH, Holder of 1st class University Honours. THIS School forms a link between lower Schools and the Universities; and pupils can be pre- pared for the University Local Examinations, for the University Colleges of Wales, for London Matricu- lation, &c. Terms very moderate. Mrs Rush, having taken the next house, has now greatly increased accommodation. Mrs Rush offers a home at a very reason, able charge to womin studeats of University College THE ABERYSTWYTH COMMERCIAL & GRAMMAR SCHOOL. HEAD MASTER MR THOMAS OWEN, C.M. (rn Honours of tho London University, &nd late Senior Scholar of the U aiversity College of Wales.) PUPILS are prepared for Commercial pursuits, the Civil Service, the Learned Professions, the Universities, and for the various Training and Theo- logical Colleges. ABERYSTWYTH GRAMMAR SCHOOL. (Founded in 1812). Trustees :—The Rev. J. H. PROTHKROE, Sir PRYSE PRYSE, VAUGHAN DAVIES, Esq., Coi. WILLIAMS, Rev. J. PUGH, and T. W. BONSALL, Esq. Head Master: EDWARD JOSES (Jasper Hsuse). Second Master: JAMss ALLAN, E-iq,, M.A., in Cussical Honours, Aberdt-en. Assistant Master T. LL. WILLIAMS, ESQ. IN addition to the staff of Teachers on the Classical and the Modern si ies of this School, the Head- Master has opened a JUNIOR DEPARTMENT for gentlemen's sons between the ages of seven and ten, under the superintendence of a Trained Elementary Teacher. The School re-opens on Tuesday, the 18th inst. Boarders return on the day previous. For reports of Esaminers, successes, & apply to Mr EDWARD JONES, Jasper House. ABERYSTWYTH HIGH SCHOOL, CAERLEON HOUSE. PRINCIPAL.—MISS TRUBSHAW, Assisted by Masters, and Resident Foreign and English Governesses. Pupils prepared for the Oxford and Cambridge Local examinations. For Terms, &c., apply to the Principal. The School year consists of three terms, beginning respectively January 20, April 30, September 20; but pupils can be received at any time during the terms. YSTRAD MEURIG bCHOOL. HEAD MASTER. REV J. JOXE3, M.A., formerly Scholar and Prize- man of Jestis College, Oxford. ASSISTANT MASTER. W. H. HUNT, ESQ, B.A., lata Scholar of St Katherine's College, Cambridge. Senior Opt. in the Mathematical Tripos, Prizjman of the London University, Goldsmith's Exhibitioner. The School prepares for Oxford and Cambridge, the Oxford and Cambridge School Certificate Exami- nation, the Universities of London, Durham, &c., and all Preliminary Examinations and Commercial Life. There are now many Scholarships of from X3 to j625 per annum attached to the School. For farther particulars apply to the Head Master. LADIES' SCHOOL, CASTLE BUILDINGS, OSWESTRY. PRINCIPALS: THE MISSES HOULT, Assisted by a Resident Foreign Governess. THE Misses Hoult receive a limited number of Young Ladies, who are liberally Boarded, and instructed in all the branches of a sound English Education. Masters attend for Music, Singing, Paintirg, Drawing, Dancing, Arithmetic, and Calisthenics. Terms moderate. Prospectus on Application. BEFORE BUYING A WATCH ANYWHEBE, write for The Illustrated Pamphlet," sent free on application by the LARGEST WACTH MANUFACTURER." FIRM FOUNDDED 1745. WATCHES, £1 TO JE1000. Send your WATCH and JEWELLERY REPAIRS by post, Registered, which will be given only to Skilful Workmen. Estimates sent before doing the Work, and I take Risk and Cost of Carriage back. T. R. RUSSEEL (MAKER TO THE QUEEN), CATHEDRAL WORKS, 18, CHURCH-ST., LIVERPOOL. k/TONEY LENT WITHOUT BILL OF SALE.—A lYi Private Gentleman is desirous of making ad- vances upon Promissory Note alone, at 5 per cent. interest, to male or female, without sureties and strictly private, for any term not exceeding 1C years. Apply for prospectuses and scale of repayments to G. H. SHOVB, 21, John-street, Adelphi, London, W.C. &23a«trtr, && PREPAID ADVERTISEME>, TS?^ Prepaid Advertisements of the classes" snpoifiA* beW wU! b, ctarg:ed accordin„ t0 Apartments Wanted Business to be Sold Apartments to be Let Partnerships Wanted Situations Wanted Money Wanted Situations Vacant Articles Lost Houses to be Let Articles Found Sales by Private C^ntn.ot Miscellaneous Wants • Miscellaneous Sales, &c. Lines.j "Words.- Ono Three Six j aser^on. Insertions, jlnsertions, 4 2S iS' S*}' oS- 0d" I 3s. Od. 5 3? Is' S' 6d- 3s- 9ct« 6 40 I*' °d- 4s- 6d' « ]^3. 9d. 3s. 6d. «« 7 i 49 2s- 0d. 4s. Od. 6s.' 0d* MW.S 5. CWg<,d •««*«* «* SE iifias-, contain SE iifias-, contain 3T? tot»r Bedrooms and Two Wales^ a b9 DCar fir:n 8andJr beacb- Ab(-rvf^'rS°o ;r"5' lu:1 par cicala rs, Aoerjatwjth Ooserver. YV^^120 aS mortS"a'«9 on First-class Lease f | Property, at t>per cent, intarest £ 2d to Office nU y'~Appljr Alpha' "^server'. rO Manufac tur of ,<J i L n. > Pieces. Regular con,i^m~it of R r!1 goods required for Cash. Addresses invited -J f 1?C »*••* « KO: *>. Cor„Eu,d'Loi-doJ- r ESSONS given on the Violin-; Pianofortes tunaJ in town and country—Whit-p i ix terrace, Aberystwyth. Harboac- 1° a/i«^l^ouUt^ K^idc!nce)Tbon^ irom Aberystwyth ca'/aniincr ■> < Z. Rooms, 4 Bedrooms, Lre^mg Wvi, Ki^hen w^ <xc Coacahouse. anj ss,-a •' V Apply to the Pab^Ier.' 1 repaired.— YV "!v/ n or PeraiiUdnt Situation as Win- a^i'Kaf k 5 s:,ippiu.>, Auction*er, or M Obsirvor office* "arei.- EVo% £ i pondent; ta baLu.ce I-ooks cot aT CO™^ manuscript, &Q.-W., "Observer > °°PF Ty ANTED by the AJarmfaetur^s, a^espectabl^ -j i f i;ePre-1ta-« energy, who attends -Markets regularly in this district, to introduce t.-> Farmers, Agriculturists, and Landed Proprietors th^ cheapest and simplest Patent Gal vanned Rlck Cover securing perfect ventilation.— Apply, 23i», Davies's Advertising Agency, Bnsto' OATS.-For sale, a q'lantity of WhitT Canadian 0 Seed Oats at 3s G1 per 401bs. New seed last year from Dixon.-Apply to Mr W. Goose, Nanty- benglog. ■» WANTED, a .'situation as a FARM BAILIFF bw- a retired Farmer; 20 years' experience — Apply, A.B.C., Observer Office. TX) BE SOLD by Private Treaty, Va 1 uable FKJEi^ -L HOLD PROPER; IES in Bridge-street, Aber- ystwyth, consisting of liouse and large Garden, with entrance in Hign-street.—ior particulars apply toi Mr Edward Eilis, Auctioneer, Aberystwyth. BILLIARD MAEKER.—Wanted a sober and in- telligent Man as Billiard Marker.—Apply attha Lion Royal Hotel. CATTLE FENCING. FOR S ALETIG0~1I^ Hurdles, 6ft. long, with 5 bars; quite nejv» Price, 3s 4d each, carriage paid. Sketch sent.—- STANBY & Co., Birmingham. ABERYSTW\TH.—Victoria Terrace, Plynlimont House.—Apartments for Winter on easv terms Apply to Mrs Pierce. c ORPORATION OF A BE Li Y ST WYThI BUILDINGS FARM. [0 BE SOLD by private treaty, the Freehold Farm -L- called Ruildings, situate in the parish of Llan- badarn Fawr, within a mile of the town of Aberyst- wyth. Comprising 25 Acros, or thereabout, now in. the occupation of Mr Richard Davies, as yearly tenant. For particulars apply to HENRY L. EVANS Borough Accountant, Corporation Office. Aberystwyth. ARMY SERVICE. YOUNG MEN wishing to JOIN HER MAJES. TY'S ARMY can obtain ali information aa tot the Conditions of Service and advantages of that Army, on Application at any Post Office. Great prospects of promotion are offered to Young Men. Applications can be made, either personally or by letter, to the Officer commanding the Regimental District at BRECON, or to the nearest Volucteef Serjeant Instructor or other Recruiter. Religioua :trutref. LLANBADARN FA\VR CHURCH. ENGLISH SERVICE. AT 11.30 A.M. On Sundays, Christmas day, Ash Wednesday, Goot Friday, Ascension-day, SERVICE, WITH SERMON. Celebration of the Holy Communion on evwy Third Sunday in the mouth, and also on Christmaa,. Baster-day, and Whit-Sunday. HYMNS, ANCIENT AND H'ODEK'I*. Offertory towai ds clearing the "Debt on the Bella and the Church Expenses. RKV. J. PUGH, Vicar. LEWIS TERRACE COAL YARD AND WEIGH BRIDGE. R ROWLAN D JONES NOW OfFERS BRYNDU H AND-PICF COAL, makes very little Ash, is clean burnj n, and durable the most economical Coal brought to Abcrvstwvth. W. & H. POWELL'S renowned RED ASH; also- HOLLY BUSH, excell L'nt house Coal. CANNOCK CHASf j best Deep Coal, free from Ash, very heating, kr epS alight many hours without any attention. CANNOCK DEF jp KIBBLES. BestNE THERf E A L'aiid Wrexham MAIN COAL. A Large Quant ity of Cilyrychen LIME also Liaa, (Aberthaw) LIY E on the premises. Royal DajT -lit PETROLEUM OIL, Wholesale and Retail. Steam, He and Smith Coal, supplied in tracks of 6 to S tor _s at Colliery prices, at any Station on the M. & M. 0 L. Cambrian Railways. t Agent i01- Queen Fire and Life Insurance Compaajv Note the Address— Corne r of BREWER-ST. & RAILWAY-TERRACE^ y .oarning Cards, in various patterns, printed, r elsh and English, at the Observer Office, 1, Non.. Varade, Aberystwyth, 4