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WEST OF ENGLAND LIFE AND FIRE INSURANCE COMPANY ESTABLISHED AT EXETER, 1807. Office for the Metropolis, 20, BRIDGE-STREET, Bluckfriars. EMrOWERED BY ACT OF PARLIAMENT. CAPIT AL, £ 600,000. TRUSTEES: Right Hon. Eirl Fortescue. j S r T. D. Acland.Burt, M.P. Right Hon. Earl Morley. I Edward Divett, Esq., M.P. Right Hon. Lord Clifford, J Samuel T. Kekewich, E-.q. LIFE INSURANCES. fin HIS Company offers to the Public, besides the JL Security of an ample paid up Capital, a Bonus of 80 per Cent., or four-fifths of the Profits to the Assured for £100 and upwards, every successive period of Five Years. The Share of Profits allotted to each Policy may be added to the sum insured, and payable at the death of the Life,-or its present value in cash may be received,— or an equivalent reduction at the future Annual Premium otained at the option of the assured. Assurances may be effected at a lower rate of Premium, without a participation of profits. FIRE INSURANCES Are effected by the Company at the usual Reduced Rates, and a moiety of the Profits is distributed every Fifth Year, on Policies for jMOO and upwards. The Forms of Proposals and Prospectuses detailing the other advantages of the Company, may be had on appli- cation to the Chief Office, or to either of the Company's Agents. CHARLES LEWIS, Secretary. Exeter, September, 1851. AGENTS. Cardiff Mr. W. Richards. Chepstow Mr. Jos. Davies. Neath. Mr. Thomas Thomas. tW Agents are also appointed in the other Towns in this County. LEGAL AND COMMERCIAL LIFE & FIRE ASSURANCE SOCIETIES. OFFICES, 73, CHEAPSIDE, LONDON. A DVANTAGE8 offered to Assurers by these Societies: LIFE—Bonuses every fifth year, equal to 80per cent, of profits. The Bonus declared to the end of the year 1850 was equal to 35 per cent. of the Premiums paid. Economy of rates, especialy for young lives An Assurance of £ 100,at age25, for £ 1 18s. 3d. per annum or on Bonus Scale for £2 Is. 8d. i or at age 30, for E72 3s. lOde per annum on the Bonus Scale, E2 7s. 8d. Several new Tables have been added to the pro- spectus of this Society exhibiting features of great advantage to Assurers, and attention is especially called to the plan for acquiring As- surances by the payment of small sums at convenience. Payments to cease at any time Half-yearly or quarterly payments received Assurers for JE999 are entitled to attend and vote at the General Meetings of the Society. FIRE-All extremely hazardous risks are excluded. Lower rates of premium are therefore charged on various important risks: A reduction of 50 per cent. will be made on the seventh year's premium of all policies con- tinued for that period: Losses settled liberally and promptly paid. The receipts for policies falling due at Midsum- mer are now in the Agents' hands, and should be paid within 15 days of that date. For full particulars, with rates and prospectuses, apply to the Secretary at the office, or to any of the under- mentioned Agents: Place. Agent?. Medical Examiner3 CARDIFF ..S. P. KERNICK, C.R. VAC HELL. Chemist, Duke-st.. Esq., M.D. Abergele Wm. Evans Jno. Williams,Esq. Aberystwith Parry & Attwood R. GIlbertson.Esq. Abergavenny.. Hy. Thompson. C. M. Ashwin,Esq. Baugor John Aronson Dr. John Roberts. Barmouth J. H. Jones, Esq. F. P. Davies, Esq. Brecon Wm. Games, Esq. T.Armstrong, Esq. Bridgend Edw. Loveluck Jno.Williams, Esq. Brynmawr Richard Jones Caerphilly Thomas Reynolds U.S. Edwards,Esq. Carnarvon John Thomas R* Connell, Esq. Cardigan W. Thomas. W. L. Noot, Esq. Carmarthen John White Evans, Esq. Corwen Richard Williams Conway P. Webster Robert Jones, Esq. Crickhowell Hy. Evant. Evan Parry Denbigh .John Jones ••• Pierce, Esq. Dolgelly G.J.Williams Williams, Esq. Festiniog Jas. Cooper Flint J. Evans P. Williams, Esq. Forden, r. smout Haverfordwest Greenish & Dawkins G. Miller, Esq. Hay. H. C. Lloyd E. Reece, Esq. Holyhead H. G. Hughes H. Duncan, Esq. Holywell C. E. Ashworth P. Williams, Esq. Lampeter J. H. Jones ^w' Lloyd, Esq. Llandilo D. M. Thoma Bedwell, Esq. Llaudissell Eben. Jones. John Jones, Esq. Llandovery John James. D. Thomas, Esq. Llanelly R. W. White David Davies, Esq. Llangollen C. Richards, Esq. J.Price, Esq. Llanrwst Edward Jones W. Hughes, Esq. Machynlleth C. J. Lloyd Dr. Lloyd Merthyr Tydfil Matthews Brothers T. J. Dyke, Esq. Mold Cain Parry, Esq. W. Williams, Esq. Narberth Geo. James Jno. Thomaa, Esq. Neath J. H. Wood, of Craig H. Green, Esq. Newcastle Em- Fawr lyn rimothy Thomas Jas. Thomas, Esq. Newport W.T. H.Phelps,Esq- Pembroke. W, Trewent J .W.Paynter,Esq. Port Talbot David Jenkins. Pwllheli Evan Anwyl J. _G. Jones, Esq. Rhyl David Williams Price Jones, Esq. Uuthin John Pierce r. Prytherch, Esq. Swansea John Tripp, Esq..• W.H.Michaet.Esq St. Asaph R. P. Roberts Tenby. Thomas Thomas Tremadoc D. Jones Williams, Esq. Towyn R. Jones John Pughe, Esq. Welchpool E. Pryce Wrexham .J. E. Towyne, Esq.. IV, HowlandslEsq. EXHIBITION OF ALL NATIONS. AMONGST the various Articles in this Em- A pire of Novelties, the new EXHIBITION COAT will be found the most useful acquisition in Gentlemen's Dress ever introduced. It is decidedly the best style of garment adapted for general use; and as a genteel Dress or Walking Coat, it stands unrivalled, and must shortly supersede all others at present in fashion. The EXHIBITION COAT is made to order only AT L. WALTER'S GREAT BRITAIN STORES, CARDIFF, of West of England Cloth, warranted superfine, 34s; best quality, L2 2s. The usual Credit or 21 Discount. 200 INDIA RUBBER COATS AT REDUCED PRICES. USEFUL HOUSEHOLD WORKS. [OFFICES, 69, FLEET-STREET, LONDON;] Published by HOULSTON and STONEMAN, 65, PATERNOSTER ROW. THE FAMILY FRIEND, An Established Magazine, published upon the First and Fif- teenth of every Month, price Two-pence. Thirty-two pages, beautifully printed, and neatly covered. rPHE following is a type of THE OPINION formed JL of THE FAMILY FRIEND, and expressed by upwards of THREE HUNDRED NEWSPAPERS:— We know of no Miscellany more deserving of wide-spread circulation than The Family Friend. It is emphatically the Magazine for a FAMILY. Its pages present something for all; there is no member of the domestic circle forgotten, and no class of Society overlooked. It is ITSBLF a Gentleman's Maga- zine, a. Lady's Magazine, a Servant's Magasine, and a Working Man's Friend. It is a Mother's Magazine, a Youth's Magazine, and a Child's Companion. It is, as its title correctly declares, a Magazine of Domestic Kconomy, Kntertainment, Instruction, and Practical Science.' We have received it into our home circle with great pleasure, for it is not only a Family Visitor, but really a Family FHIEND. We cannot describe its contents, they are an omnium gatherum a repertory of things pleasant and profitable, of things gay and grave; selected with remark- ably good taste, and edited with much tact and judgment. It is a work capitally adapted to cheer the huppy fireside of home, and to aid the development of social allectiOIl. Bradford Observer. The Work may be had complete, up to the end of June, 1851. in Four Volumes, Price 2s. 6d. each, beautifully bound. gal" These Volumes contain the celebrated PRIZE ENIGMAS and their Solutions, respecting which extraor- dinary competition has occurred. ThE Editor announces his intention of offering, at Christmas next, a Prize of ONE HUNDRED GUINEAS, for the best Solution of an ENIGMA to be competed for by GENTLEMEN; FIFTY GUINEAS for the Solution of another Enigma to he competed for by LADIES; and TWENTY-FIVE GUI- N EAS for an Enigma to be competed for by JUVENILES of both sexes. Further particulars will be given in the Nu,nbers of THE FRIEND. The Fourth Volume contains a Quadruple Index to the first Four Volumes, embodying about Three Thousand Five Hundred References to matters of every-day usefulness. The Work forms a most perfect Encyclopedia of Domestic Economy. The fair readers of THE FAMILY FRIEND will find the following Elegmt Designs in FANCY NEEDLE- WORK, in the following Numbers of the Work:- VOL. I. Cheesecloth "Cheese" Round D'Oyley ) M >No. 34 Knitted Lace !stllt011 J Knitted Lace !stllt011 J TableCover—LampMat.No. 4 Globe-fiah Globe Mat) SofaorCarriagePillow ) „ r Octagon Chair Cover. J Crochet Edge j °* ° Hound D'Oyley Knit-> Convolvulus Mat for) ted Purse j °* FlowerVase • vr c Baby's Boot Point de Bruxelles ?" °' An Open worked >No. 30 Collar J Knitted Sock .J Carriage Bag ] Modern l'oint Lace. I Baby's Knitted Sock. J Knitted Mitten .J Neapolitan Pattern^ Knitted Spencer i Tidy f 8 Netted Tidy. No. 34 Knitted Collar a la C °* Hyacinth Glass Mat. 1 Grecqtie .3 Knitted Toilet Cover j ° Lad) 's & Gentleman's Nightcaps ( „ „ VOL. IV. Superb Table Cover f °* D'Oyley for a Spirit") in Patchwork J Stand I Lady's Polka No. iO Knitted Pattern for f™0' 0 WinterCap,NeckTie, 1 Curtains J and Under Sleeves. >No. 11 Lady's Netted Cap.) Braid Patterns J Screen for a Flower >No. 40 Child's Polka No. 12 Pot and Saucer ..J D'Oj ley No. IV ) VOL II. Tulip-shaped Mat for vNo. 43 Bread Cloth 1 Toilette Bottle J Music stool couverette > 1 Musnud for a Sofa £ D'Oyley for a Cruet 1 Patchwork Designs. °" Staud S-No. 16 Net for the Hair,with) Cheese Cloth J Gold Border VNo. 44 MatforHyacinthGlass ) Child'sOpen-knitSockJ Toilette Cushion—>No. 18 KuittedToiletteCush-~) Toilette Cushioll- No. 18 KiiittedToilette Cush- "I'ins" J ion or Ottoman, NO. 46 Flower Vase Mat .) Sexagon Shape f Point Lace Collar in >No. 20 Netted Mitten. J Crochet ,J A Cover for a Foot-1 Palm Leaf Edging } „ 0<) stont or Sofa Pi«rrw No. 48 FishServiette—"Fi3h"3 1 A Blind Tassel Cover 3 FishServiette—"Fi3h"3 1 A Blind Tassel Cover) Each De-ign is illustrated by a WOOD ENGRAVING, so that Crochet Workers may aee the Pattern before com- mencingit. THE NUMBERS MAY BE HAD SEPA- RATELY, PRICE TWO-PENCE EACH; but purchasers are recommended to obtain the VOLUMES, which are tilled with practical matters of every-day use. Price 2s. 6d. each. THE CHEAPEST ORIGINAL & COPYRIGHT MUSIC IN THE WORLD. THE FAMILY FRIEND, Vols. II. and III., contain nu- merous Original and Copyright Musical Productions by Celebrated Composers. These may be had collectively, bound in the Volumes, price 2s. 6i. each, or separately in the Numbers, price 2d. each. CONTAINED IN VOL. IR. THERE'S A POWER CAN CONQDER THE SWORD. —Song and Chorus by Alexander Lee Esq. (No. 13.) THE FAMILY POLKA.-By Marie Scott. One of the most attractive and lively of the now over-done Polka Music. (In No. 14.) oil! SACRED ARE A MOTHER'S TEARS.-Com- posed by G. Lindley. Esq. (In No. 15.) HYMN—THE SEASONS.—By Alexander Lee, Esq. Words by Bishop Heber. (In No. 17.) THE BROKEN-HEARTED.—By J. Duggan, Esq. Sung by Herr Mengii. (In No. 19.) THE SECRET.—By J. F. Duggau, Esq. Sung by Miss Julia Si. George. (In No. 21.) THE LANGUAGE OF THOSE RYES.—Composed by Alexander Lee, Eqq. Sung by Mrs. Alesaudcr Lee, late Mrs. Waylett. (In No. 23.) CONTAINED IN VOL. III. FAYAW AY.—Composed by J. F. Duggan, Esq. Written by Mrs. Maria L. Child. (In No. 25.) THE FAMILY WALTZ.— By Mill8 philp. This Waltz has been greatly admired. It is a suitable companion to The Family Polka." (In No. 27.) LOVE IN THE REIGN OF THE ROSES— Composed by Herr Mengis. (In No 29 ) "I WOULDN'T, WOULD YOUr'-Composed by Alex- ander Lee. Esq. (In No. 31.) MY MOTHER'S GRAVE.—Composed by J. F. Duggan, Esq. (In No. 33.) "SLEEP, GENTLE BABY'—Composed by Weber. (In No. 35.) None of these Musical Compositions can be obtained from any other source. To secure any particular piece, it is only necessary to order the Number containing ir, price 2d.; but Purchasers are recommended to obtain the Volumes, and thus secure the whole SERIES OF FAMILY MUSIC, in an elegant form, and at a trifling cost. A limited number of Advertisements are inserted in The Family Friend. Terms-Firat Fifty Words, 6s. 6d, and Is. for every 10 Words after. Average Circulation, 80,000. gaf" Persons wishing to judge of the contents of the first Four Volumes of The Frund, may receive the QUADRU- PLE INDEX, gratis, by applying (post-paid) to the Office 69, Fleet-street, London. THE FAMILY TUTOR AND SCHOOL COMPANION: Commenced on the Is* of January, 1851, and appears on the lit and 15th of each Month, in Parts price 2d. each, uniform with the Familif Friend ipHE FAMILY TUTOR, as its name implies, is a X Work of a highly instructive character, and realizes, as far as e;)n be accomplished in print, the advantages of a PRIVATE TUTOR to every reader—a Tutor whose teachings are lively, kind, and comprehensible, making the acquirement of knowledge a PLEASURE, not a TASK. THE FIRST VOLUME CONTAINS- A COMPLETE ENGLISH GRAMMAR. Improved and Simplified. FAMILIAR LECTURES ON CHEMISTRY. TALES OF HISTORY AND OF TRAVEL. ZOOLOGY. THE PHYSICAL HISTORY OF MANKIND. THE PHYSIOLOGY OF HEALTH AND DISEASE. CELESTIAL AND TERRESTRIAL PHENOMENA OF THE MONTHS. MATHEMATICAL, GEOMETRICAL, ARITHMETI- CAL. AND OTHER PROBLEMS. ELOCUTIONARY EXERCISES. It THE TUTOR AND HIS PUPILS," being Answers to Educational Que.tions; and a VARIED MISCELLANY. ti8' The First Volume of the Family Tutor is now ready, Elegantly Bound, price 2s. 6d. THE TUTOR'S ENGLISH GRAMMAR, contained in the above Volume, is illustrated by Wood Engravings, by which a dry and difficult study is rendered singularly inte- resting. A few select ADVERTISEMENTS OF EDUCA- TIONAL INSTITUTIONS, &c.. are received in the TUTOR. Terms as in the FRIEND. THE PARLOUR MAGAZINE OF THE LITERATURE OF ALL NATIONS IS PRINTED IN THE CRYSTAL PALACE! Price 2d. Weekly; Monthly Parts Sd. or IOd.; Volumes 5s. It is the only Work devoted specially to the translation of Universal Literature, and will be found rich in intellectual treasures. ADVERTISEMENTS are inserted in the Wrappers of the Weekly Numbers and the Monthly Parts. Terms as in THE FAMILY FRIEND. Price Is., crown 8vo., cloth boards, FAMILY PASTIME, OR, HOMES MADE HAPPY: Consisting of entirely Original Anagrams, Enigmas, Cha- rades, Conundrums, Fire-side Games, Practical Puzzles, &e ,&c.. together with their Solutions; for which PRIZES TO THE AMOUNT OF FIFTY GUINEAS have been awarded by the Editor of THE FAMILY FRIEND. Upwards of Three Hundred Competitors have contributed to the Mass of Entertaining Literature from which the con- tents of this Work have been selected. Ø" The above Wotks may be obtained of Booksellers everywhere. Where any difficulty occur, they may be received by Post direct from the Office, by remitting Six- pence in addition to the price of each Volume Post-office Orders for Advertisements or Books to be made payable to JOHN BENNETT. G9, Fleet-street, London. LONDON; HOULSTON & STONEMAN, aud all Bookaetlen. NEW DECIMAL PALM CANDLES, 7d. per lb. ten to the lb.—These Candles, though ugly, burn well and without guttering. They are admirably adapted for all who require one which emits a great light. For Artisans, Turners in Metal, Sempstresses, Tailors, Shoe- makers, for the windows of small Shops, and for Persons of weak sight, where the light is of primary, and appear- ance of secondary importance, these candles are incom- parable; in short, one Decimal Palm Candle gives the light of three ordinary Candles, and does not require snuffing.-Sold by Grocers, Candle Dealers, and Oilmen, and wholesale by PALMER and Co. (the Patentees), Sut- ton-street, Clerkenwell, London.

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