Huddersfield Chronicle (19/Jul/1856) - page 5

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de enteitain [entertain] them at the public expense. I must protest against the new system which bas now been introduced of the minister of the day giving holidays to the members of the house, and paying for their entertainment out of the public purse. (Hear, hear.) It is a precedent which ought not to be admitted, and the house ought to take an opportunity of showing that it does not approve it. And well might Mr. Henuzy [Henry] follow this up by stating -- If we may compare great things to small we are getting very much into the way of that with which so much fault Was at ene time found-churchwardens and overseers haying a cinner [a inner] at the expense of the parishioners. (A laugh.) I must say that I for one enter my protest against tke [te] payment of expenses of this sort by the government. It is making a beginning. for a particular festival or ness which it has to what was said by for Wiltshire (Mr, expenses, ell might these severe things be said; for the dignity of the house and the consistency of those who properly prohibit others from being treated pulilie [Lillie] expense, required them not only to And to a very great out of the thousand at the be said but to be acted upon. extent, this has been done; for members of which the two houses are composed, only some one hundred and forty availed them- [them provided] provided and selves of the trip and the luncheon paid fer out of the taxes. The animadversions on this new system of treating had evidently taken of those who we may be sure would otherwise have been anxious to attend, if it had been only out of a feeling of respect for the QuEEN. [Queen] Placed, however, as they were on a level with churchwardens and over- [over effect] effect, and prevented the attendance seers dining at the public expense, the bulk of the Peers and M.P's. refrained from putting themselves immediately under the keen reproach and in that fact the public may see the most significant and complete condemnation of this new system of treating. We take it that the nation has now seen the last of it; for with these severe reproofs before him,-reproofs conveyed both in words and in practice,-he will be a bold minister who shall again resort to that system. If the boasted independence of parliament is to be worth any- [anything] thing, members must show themselves to be too independent to accept trips and pro- [provided] vided [sided] by the minister at the expense of the public. --- SPECULATING IN LIFE ASSURANCE. AT the 'atter [utter] end of April last, when writing on the abuse of the principle of Life and Fire Assurance, as evidenced in the exposures on that head made during the preliminary investigations in the PALMER case, and also in the exposures which had been made in a Court of Law, and in the public press, regarding the Protestant Life Office, and the Deposit and General Life Assurance Company, we stated as follows - have been in some measure induced to take up the question of the abuse of the principle of Fire and Life Assur- [Assure- Assurance] ance, [once] by the report of 'some most extraordinary doings' in connection with institutions of this description in the town of Huddersfield, which have reached us, and which, when we obtain what may be considered a reliable state- [statement] ment [men] of facts, we shall probably more distinctly parti- [part- particularise] cularise. [secularism] the tacts [acts] already set forth will serve as a kind of introduction to the more specific cases of local interest which may follow. It will be found on enquiry, that this abuse of the principle of Life Assurance is not an evil of the present day's growth only, but is, on the contrary, an old evil revived. To use the language of a contemporary -'A century ago, in days when some of the very oldest com- [companies] panies [Panis] now existing were still young, this great and benefi- [benefit- beneficent] cent principle, in virtue of which a trifling per centage [agent] of the precarious life-income of the husband and father is prospectively converted into a substantial and permanent capital for his family, was systematically perverted to the purposes of the worst description of gambling. It was open to everybody to insure anybody's life-that is, to lay a wager with a company (for this is what it really amounted to) in favour of the premature death of the individual who might be selected as the subject of the transac- [transact- transaction] tion; [ion] and strange stories are on record as to the doings of offices, which have now, for generations past, maintained and merited the highest character for regularity and respectability. Pelicies [Policies] on the lives of monarchs, ministers, and other public personages, were by no means uncommon ; and what was infinitely worse, though less glaringly scan. dalous, [scandalous] people speculated freely in the lives of their uearest [nearest] of kin. 'he evil at length reached such a pitch that the legislature found it necessary to interfere. An act was passed in the 14th year of George III., by which it was declared that every insurance made upon alife [life] in which the person effecting the insurance has no éxterest [interest] (meaning no pecuniary interest) shall be absolutely null and void. It was further provided that in eases where the person insuring has an interest in the life insured, no greater sum shall ever be recovered under the policy than the amount or value of such interest. This is the principle which governs all insurances effected on the lives of third parties, whether No legal doctrine is more perfectly relatives or debtors. established than the invalidity of all policies of insurance on other people's lives, except so far and so long as such policies are requisite to indemnify the individual insuring against actual pecuniary loss from the death of the person insured.' This will be comfortable news for those in Huddersfield who have been so generously speculating' in lives in which the insurers have no kind of pecuniary interest. It will doubtless be most consolatory for them to learn that the transactions by which they hoped to pocket large sums for little outlay, are absolutely 'null and void. Since that article appeared, referring thus pointedly to Some most extraordinary transactions in the matter of speculative assurances in the town of Huddersfield, the following communication has been inserted in the columns of the Times - Sir,-Some time ago 1 found, to my utter astonish- [astonishment] ment, [men] that my life had been insured in the Atheneum [Athens] Life Office by three difierent [different] persons, each of whom has hada [had] policy granted, and paid the premiums; and yet, strange to say, the whole of this business has been done entirely unknown to me and without my consent, having neither filled up nor signed a proposal, nor undergone a medical examiuation. [examination] I did assure in another office, but in that case I filled up a proposal, signed it, and was examined by the medical referee, which appears to be the proper course ; J also signed the medical certificate before being examined. When I discovered that a number of individuals had been speculating on my life unknown to me, I felt annoyed, the mere so irom [from] the many events which have transpired of Jate [Ate] in connexion with life assurance. I may state that my case is only one of a number in this neighbourhood. Will any of your readers have the goodness to inform me whether such proceedings are lawful 1t has been my own impres- [impress- impression] sion that no office could accept a proposal without the sig- [signature] nature of the proposer and the medical certificate. If Iam [I am] correct, the proposals must have been forzed [forced] or accepted without signature. If the law allows such procedure as this, it is high time for the safety of life that it be imme- [Mme- immediately] diately [lately] altered. Should any one doubt my statement I am prepared to give the names of the partics [parties] who have had policies on my life, as well as the agent.-Yours respectfully, ENocH Enoch] SyKEs, [Sykes] Huddersfield, June 20. . We are now in a position to give to the public some particulars of the regular system of traffic in ae i ech [each] 4 ife' [if' which he t us d Office, tor he said he must have us both to assure together, Hie wich [which] Ras [As] lately Been growing up smongst [amongst] ua ar She at once objected, and told him that she was afflicted with a tumour. He asked my wife at what age her father ; and mother died, and of what diseaxe. [disease] which has been engaged in toa [to] very considerable extent Mr. Enocu [Enoch] SY&Es not being the only one upon whose life assurances have been granted without the concurrence or even knowledge of the main party interested. The principal agent in this description of speculative assurance, would appear to have been SHAW, who has been held forth in Huddersfield, as agent for the as to the following assurance offices, viz. - ALBION, EnMrrRre, [Entire] CONSOLIDATED, Hope, EMPEROR, Law and Property, MERCHANTS and TRADES- [TRADESCLARENCE] CLARENCE and the MEN'S, AMAZON. ATHEN [THEN] ZUM, [SUM] nn, in Castlegate, the landlord of which, JacoB [Jacob] SENIOR, has engaged deeply in the traffic himself, and induced others to follow his example. It is stated that SENIOR has. effected two assurances on the life of ENocH [Enoch] SYKES ; also,-one for 800 upon a person named GEORGE SIMS, in the Athenzum, [Athens] and another for 600 on the same life in the Consolidated another on a female in the Merchants and Tradgesmen's [Tradesmen's] for 800, and also the Atheneum [Athens] on the same life for 300. His own life is also stated to Shaw he came to my house during my wife's illness, and 'de assured for a considerable ameunt, [amount] though, as we have If the house chooses to adjourn for any great spectacle, well and good. That is for its consideration according to the busi- [bus- uniform] rform [from] but I very much agree with e right hon. gentleman the member r 8. Herbert) on a former occasion. I think that if We goasa [gas] house we ought to go as a body; if we go as private gentlemen we ought to pay our own MRS. BROWN'S CASE, and adduce the following statements to show what the nature of that case is - Tomas Harrison says-Jonathan Shaw came to my warehouse about the beginning of September, 1854, and asked me to assure my life in the Merchants and Trades- [Tradesman] man's Life Assurance Society, but I declined. He came again a time or two afterwards, but I still declined. He then asked me if my wife would assure her life. I said I could not tell, but he might see her if he thought proper, and be did so. About this time he was soliciting George and Sarah Brown to assure their lives in the same office, and he desired my wife to assure with them. Having failed to persuade me to assure my life, he then asked me if I would assure upon the life of another person, Sarah Brown for the office he represented accepted proposals one life upon another, and guaranteed the money when a claim was made. He stated it was as safe as investing money in asavings [Savings] bank; and said he would have 100 upon Sarah Brown himself. With some persuasion Iagreed. [Agreed] He sent a proposal up to the directors of the Merchants and Tradesman's Assurance Society for 200, upon the life of Sarah Brown. Shortly after an acceptance paper came down from the board. Shaw came to me with it. It was made out to me, upon Sarah Brown, for 200. Shaw then said he would pay the premium for 100, and I must pay the other 100. He told me the premium was a sufficient interest in Sarah Brown's life or death, and assured me I was investing my money well; for he doubted whether there would have to be another premium paid. Accordingly I gave him 2 lds. [ls] 3d., and in a few days he brought me a policy for 200. I still hold that policy. About the beginning of January, 1855, Sarah Brown was very ill, and Mr. Clarke, surgeon, was called in as her medical attendant. Jonathan Shaw hearing of this, desired me to tell George Brown whatever they did they must have another medical man called in, for Mr. Clarke and he were not friendly, and Mr. Clarke would give a certificate which would prevent him (Brown) getting his money, whereas if he had another medical man, he would write him out a more favourable certificate. I told George Brown what he (Shaw) stated, but he replied they would not change their doctor. Sarah Brown died on January 28th, [the] 1855. George Brovg [Brig] asked me to go with him to Mr. Clarke, to get a certificate. I didso; [didst] and Jonathan Shaw, duly received a copy of it to forward to the assurance company. In about a week or so after this, Jonathan Shaw called upon me, and showed me a letter he stated he had received from the manager of the Merchant and Tradesman's Life Assurance Society, stating that an anonymous letter had been sent to London, affirming that a fraud had been practised upon the company, and desiring him to go to Mr. Clarke, and ascertain how long ago it was since he operated upon Sarah Brown.-Jonathan Shaw said George Sims had written the letter, he felt sure.-I saw George Brown and communicated this to him. George Brown then said he would see Shaw about it, and we went to Jonathan Shaw's together. We saw Shaw, and he communicated the contents of the letter to Brown, and told Brown that he thouzht [thought] Sims had written it. He also told George Brown that he did not know how to go about his work for if he had called in another medical man, or tipped Mr. Clark with a 5 note, he would have received a very different certificate to the one he did get.-George Brown replied, he did not believe George Sims had written an anonymous letter to the company but said he had his suspicions, and stated the truth should all come out about it. Jonathan Shaw then cursed and swore, and told Brown to go to his purpose, and he would prepare for the worst. Three months after the death of Sarah Brown, 1 wrote a letter to the manager of the Merchant and Tradesman's Life Assurance Society in London, to which I received the following answer - Merchants and Tradesman's Mutual Life Assurance Office, Cannon-street, London-bridge. London, 20 April, 1855. ' Sir,-I have to acknowledge the receipt of your letter of the 19th. Owing to anonymous communications received by the board, after Mrs. Brown's death, describing the fraud practised on the society, the Directors deemed it their duty to investigate the case, and the result has con- [confirmed] firmed the accounts they had received. Mrs. Browu's [Brow's] was not an insurable life, and but for the frauds and concealment practised, never would have been taken by any society at any rate of premium whatever. Amongst other objections, I may mention that she had, as it appears, actually been operated upon for ovarian tumour, which was studiously concealed trom [from] the board. The Directors cannot, therefore, recognise any claim in your policy.-I am, sir, your's obediently, THOMSON, Mr. Thomas Harrison, Cross Grove-street, Huddersfield. About this time I met Jonathan Shaw, and he urged me to go to law with the company, and said he would bear one half of the expenses. He further said he would buy the policy ot me, aud [and] give me 5 fur it, and he would soon make the company pay for it. About the month of July, Dr. ilooper, [looper] (employed by the Merchant and Tradesman's Office,) came down from London to re-examine a number of lives assured in that office. I had an interview with Dr. Hooper, and enquired of him how it was the company did not pay the mouies [mouse] of my policy and George Brown's, He replied, because the agent, Jonathan Shaw, had instructed them it wasa [was] fraud. I then said, but your agent, Jonathan Shaw, has told both me and George Brown that we hive a perfect right to the money. The doctor replied, 'he should not say one thing to the company and the opposite to you. In a day or so I met Jonathan Shaw, and told him what Dr. Hooper had stated tome. He said the doctor was a liar. Did I think he was such a fool as to go against his own interest, when he had 100 upon Sarah Brown He then advised me again to go to law, and I should get the money. ELIZABETH ANN Brown says-I remember Jonathan Shaw, the agent of the Merchantand [Merchant and] Tradesman's Assurance Society, calling at our house about the commencement of September, 1854. He asked my father to assure his life in the Merchant and Tradesman's Life Office, and recum- [recur- recommended] mended it very much. George Sims was with him at the time. My father said he would consider about it. Shaw asked my mother also to assure her life, aud [and] said he must have them both to assure together. My mother objected, and told him she was afflicted with atumour. [armour] He then asked my mother at what age her parents died, and of what Cisease; [Disease] and, after my mother had answered these questions, he said that would do very well, and enable her to beassured, [assured] if nothing else would. In about another week Shaw and George Sims came to our house again, and took tea with my parents. Jonathan Shaw asked my mother again to assure her life, aud [and] enquired of her how long she had suffered from her tumour, and what she thought was the the cause of it. She said it arose in the first instance, she believed, from a severe cold she had got some years ago. when living in Saddleworth; and the doctor, who then attended her, said her complaint was inflammation ard [ad] irritation of the bladder. She told Jonathan Shaw that when they came tolive [olive] at Huddersfield, Mr. Clarke and Dr. Taylor told her it was a tumour, and that Mr. Clarke had operated upon her, and said it was composed of a solid substance. She further informed Jonathan Shaw that after undergoing the operation, up to that time, she had received no medical treatment at all, which was between two and three years ot an interval. He then said there was no fearof [fear] her passing the doctor, for he had got far worse lives than her's assured. Atter [Utter] some conversation, he persuaded my father and mother both to assure their lives, and told them they must be examined by the com- [company] pany's [any's] doctor at Batley, Dr. A. Jonathan Shaw then arranged for her to go on Saturday morning, September 23rd, 1854, and I saw him come to our house that morning just before she went. He said to my mother, 'I am glad to see you before you have gone. Now, I wish you'd mind, and don't betray yourself before the doctor. He then told her to take off her cloak, and put on a thick shawi, [Shaw] and take with her basket, which she must carry before her, so that the doctor would not perceive that her body was larger than the ordinary size. He also told her she might ask the doctor, after her examination, whether she would pass or not GEORGE Brown says-I remember George Sims calling at my house about the beginning of September, 1854, und [and] he sclicited [solicited] me to become a member of the Merchants' and Tradesmans' [Tradesman] Life Assurance Society. I was quite ignorant of the nature and principles of assurance societies, until George Sims explained the society tome. I did not object to assure, but told him I would consider about it. The following week he came again, and introduced Jonathan Shaw, the agent of the said society. Shaw informed me of the great advantages I should derive by assuring my life, stating that I could not invest my money better, for assurance offices were far superior to money clubs; for clubs in many instances proved bankrupt to the mem- [men- members] bers [bees] at the time when money was most needed. He said their office was enrolled by act of parliament and when- [when] Shaw then said that during the week he had seen Mr, The great market or fexchange exchange for this kind of Sissons, of Huddersfield, and enquired of him respecting a traffic, would also appear to have been the Golden Lion tumour. Mr. Sissons said he had only heard of one case in heard, not 6 medical man in Huddersfield eould [would] be found to certify the life to be an insurable one, but the party had that might prevent me getting my moncy; [money] but if I got to repair to Liverpool to procure such a certificate, understood that we only give them as statements made by parties who Lave been mixed up in these transactions, and that we do not vouck [vouch] for the truth of those statements, though we have no reason to doubt their general correct- [correct] to suppose that some of the alleged facts may be capable of explanation, and others of them open to contradiction. 4s statements then, illustrative of a most extraordinary system of traffic amongst us, we give them and shall be swear she had not been under medical treatment for three years, and the doctor will swear she was in goud [God] health when be passed her, Shaw also advised me to yo to equally ready to give any properly guthenticated [authenticated] contra- [contradiction] diction or ezplanation. [explanation] . The statemeats [statements] which we subjoin have been made by woull [will] have any other doctor but Mr. Clarke. the parties themselves, whose names they bear, and as wife's death, and the certificate received from Mr. Clarke, such we present them to the reader. Of course it will be Shaw said 1 should have tipped Mr. Clarke a 5 note, and he would have furnished me with a different one from that. accept it. ness but as they have been taken ea parte, [part] it is only fair or none at all. Said it would pay me ever they granted a policy, the lawful heirs at death were certain to receive the money, as soon as they had paid the He then asked my wife to assure her life in the In reply to her he said, their loug [long] life and cause of death were such as would enable her to pass the ductor's [doctor's] examination, if notling [nothing] else would. The week following, Jouathan [Jonathan] Shaw and George Sims came to my house and took tea with us. Jonathan Shaw then enquired of my wife more particularly cause of her tumour, when she told him she had taken a bad cold some years azo, when we lived in Saddleworth, and she believed it arose originally from that. She also told him that when she came to live at Huddersfield, Mr. Clarke and Dr. 'Taylor informed her, when they had examined her, that it was a tumour she was afflicted with; and that Mr. Clarke operated upon her ina few weeks afterwards. Jonathan Huddersfield, and it was a woman in Manchester-road, who mizht [might] live for years. Jonathan Shaw then said there was no doubt whatever but that my wife would be passed by the company's doctor, for he had succeeded in getting far worse lives than hers assured in the office. With persua- [persuade- persuasion] sion both me and my wife agreed to assure our lives. He arranged for us both to be examined by the company's doctor, at Batley, where I labour every week in my ealling. [calling] My wife begun to be ill before the commencement of January, and Mr. Clarke again attended her. I saw told me I must get another doctor to my wife, for Mr. Clarke and he were not on friendly terms, and if she died under his treatment, Mr. Claike [Clarke] would give a certificate auother [other] doctor he would fill up a certificate favourably for me vetting it. Itold [Told] him that neither me nor my wife After my When my money was due from the company, Shaw called at my place of business, in Batley, April 26h, [H] 1854, and offered to give me a 10 note fur my policy, if I would T then told him I would either have all the 100 I said I would lose 50 before I would He replied, 'and so would I. He then good interest for the money laid out ; and if I would sel [se it to him, he would make somebody pay. He further said, you are sure to get your money, for I sball [ball] take 10 for it. law at once, and said do not give your attorney your The foregving [foregoing] case, as it is represented in these state- [statement] Tents, seems to be complete, and is a sample of what we mean when we use the term Speculative Life Assurance. Here is a life known to be diseased, yet procured to be passed as an insurable one; and here, also, are parties with- [without] out interest in that life, taking out Policies for large sums, under the idea, and in the full belief that the life is so pre- [precarious] carious as to render it unnecessary for them to pay more than one or two premiums to secure those large sums on the death of the party. This will be further illustrated in CHRISTIAN BERNIN'S [BERLIN'S] CASE. THoMaS [Thomas] says-Jonathan Shaw asked me about December, 1854, if I would assure upon Christian Berniu's [Been's] life, for he was a first-rate life to make money upon. asked him why he thought so He replied, that Bernin [Berlin] was afflicted with an asthma of some years' duration he was also very dropsical his heart was also affected; and he was almost continually under medical treatment. Shaw then told me that Christian Bernin [Berlin] had been proposed to the Merchant and Tradesman's Life Office for assurance, and they had declined him. He showed me they sent him. He then said he had proposed him to the Atheneum [Athens] Life Assurance Society, where he was assur d [assure d] for 500. He showed me the letter the latter company had sent him. It was to the effect they would accept Bernin's [Berlin's] life at an increased rate of premium, as a diseased life. Shaw also told me that Christian Bernin [Berlin] was pro- [proposing] posing for 1,000 upon his own life; another gentleman was assuring 1,000 upon him; and two other persons 200 each, himself being one who was having 200 upon his life, by joining with two persons 100 each; and he asked me.to have 200 also upon Bernin's [Berlin's] life. I told him I would consider about it. When I-saw Shaw again, 1 agreed, through his representations of the profitableness of the investment, to propose for 200 upon Bernin's [Berlin's] life. Jonathan Shaw never asked me if I had a vested interest in Bernin's [Berlin's] life; but had frequently told me before that the premium was a sufficient ground of interest also, that the Atbenzum [Athenaeum] did not require any more interest, and that a policy once granted was indisputable. He sent up a pro- [proposal] posal [Postal] to the office, and he brought me an acceptance paper, which I now hold. In a short time he called at my warehouse, and raid I had better pay my premium upon Bernin's [Berlin's] life. I asked him if Bernin [Berlin] had paid the premium for the 1,000 upon his own life, and Shaw replied that he had, and that the persons who had assured the 1,000 and the two 200's had also paid theirs. He then arranged for me to go to his workshop in the after- [afternoon] noon to pay the premium. Accordingly I went, when he told me that he had been at Bernin's [Berlin's] house after having left me in the morning, and that C. Bernin [Berlin] was very ill. He said it was very probable Bernin [Berlin] would not live long ; therefore he considered he should not be doing justice to the company if he received my premium under those cir- [circumstances] cumstances. [cum stances] I said T cid [id] not understand the company granting me an acceptance upon Bernin's [Berlin's] life, and then his refusing to take the premium but, however, I said, it is quite right if I have no policy granted me I shall have no premiuin [premium] to pay and I was about leaving his work- [workshop] shop, when he said, now, if you will agree to give me 20, if you have not another premium to pay besides this, I will take your money and he further said, you may rest assured you never will have another to pay. I replied, I will not agree to any such terms. I said, You receive your ccmmission-what [commission-what] more can you want shall pay nothing but the premium. He then agreed to receive it, and I paid him 19 17s. 10d. Ina short time he brought me a policy upon Bernin's [Berlin's] life for 200 and he remarked, This is the best policy of the lot for the age was fully admitted upon it, and I was sure to get my money in case of a claim upon Bernin's [Berlin's] death. After this, several times when I saw him, he said we should none of us have any more premiums to pay upon Bernin's [Berlin's] life, for the next autumn would be sure to try him. About November, 1855, I saw Jonathan Shaw, and he told me that C. Bernin [Berlin] was dead, and laughingly said that both his premium and my own, would pay us good interest. About the close of December, he called at my house. I was not within; but I went to his house to learn what he wanted me for. He then said that Bernin's [Berlin's] executors and the others who had assured upon bim, [bi] had seen him (Shaw) ata [at] meeting they had the tight before, and wished for him (Shaw) to go to London; and desired him to see me, that I, with them, might bear my portion of the expenses incurred by his going; for they considered it was necessary he should go up to get the money. I said I objected to it, and should be no party in joining at any such expense; and that I saw no necessity, if the com- [company] pany [any] acted honourably, for any person going to London respecting it. He then told me I should fare no better for it-for he would take good care I did not learn anything that he might learn respecting it, either in his journey or by letter afterwards. When be returned from London he called at my warehouse, and asked me if was disposed to pay a share of his expenses; if I was, I had now an opportunity. I declined. He then said that all the policics [policies] paid; but through me not agreeing to the expenses, I should find much difficulty to obtain my 200. He also said that the company had handsomely paid him his expenses. I told him I should prepare myself for all the difficulties I might have to mect [met] with in obtaining the amount of the policy. Sometime after this he saw Enoch Sykes, and told him to tell me that I should not get my money on Berniu's [Been's] life, because I had no interest in it. Soon after this two persons came to my warehouse, and residence also, a time or two, and urgently tried to influence me to give up the policy I held upon Bernin's [Berlin's] life; but I refused to do so. About this time, when walking on the street, Jonathan Shaw called out after me, and said the company were going to dispute all the policies, and he with the others, were going to sue them at law for the money. He also said I was not to give up my policy until was paid. I presented my claim to the company on the 1lth [th] December, 1855. The following correspondence arose out of that claim - Spring Grove-street, Huddersfield, llth [loth] December, 1855. Sir,-I write you to prefer my claim on the ground of the death of Christian Bernin, [Berlin] upon whose life I assured 200, and now hold a policy No. 1,239 issued from your Atheneum [Athens] Life Office. Your prompt attention to 'this obligation will increase my confidence in the respectability of your office. T desire you to inform me, what would be the amount of annual preinium [premium] required for assuring two lives jointly, at the respective ages of 32 and 30 years for 100, but upon the increasing rate of premium table 8 in your pros- [prospectus] pectus, [pacts] as husband and wife assuring together. I shall teel [tee] obliged if you will communicate accordingly.-I am, yours truly, 'THOMAS HaRRISON, [Harrison] E, Barlow, Esq. Atheneum [Athens] Life Assurance Society, 30, Sackville-street, London, 21st Dec., 1855. Sir,-In auswer [answer] to the second part of your note of the 12th instant, viz. -What premium would insure 100 on the first death of lives now age 31 and 33 next birthday - 'The [the] premium without profits-will be 3 18s. 7d., and 4 2s. 3d. with profits.-I am, dear sir, yours faithfully, Ep. Bartow, ' Mr. Thos. Harrison, Huddersfield. P.S.-Respecting the first part, I have shown your note to Mr. Sutton, who will reply. Spring Grove-street, Huddersfield, 27th Dec., 1855. Sir,-I duly received your reply as to the amount of premium required for the ages I wrote you about, but am rather surprised that Mr. Suttcn, [Sutton] who you said would reply to my claim in Bernin's [Berlin's] case, has not replied up to the present. The reason why I am at a loss to know, but shall expect one without further delay. I enclose you post office orders to the amount of 7 3s., less by order of is.- 7 2s., the amount of premium due to you for policy No. 1,197 it is made payable to Edward Barlow.-I am, yours truly, THOMaS Thomas] HARRISON, Barlow, Esq. ' Atheneum [Athens] Life Assurance Society, 30, Sackville-street, London, 29th Dec., 1855. ' Sir, -Enclosed is renewal receipt in lieu of post orders. BEBNIN'S [BEGINNING'S] CASE. T showed your note to Mr. Sutton, who said he had been unable to write definitely in this case, but hoped after next board to be able to doso,-I [dose,-I] am, sir, your obedient servant, Ep. BaRLow. [Below] Mr, Thomas Harrison. Sprivg Spring] Grove-street, Huddersfield, 26th January, 1856, Sir,-About a month having elapsed since I reecived [received] a communication from your Mr. Barlow in answer to my enquiry respecting your paying the claim in Bernin's [Berlin's] case, he then stated that you would write me definitely after the next board day; but to the present time I have not received any communication from you. I therefore address you to inform me as to the settlement of my policy upon Bernin's [Berlin's] life, which, according to your policy and pros- [prospectus] pectus, [pacts] is due upon proof of death. An answer to this will oblige.--I am, yours truly, Sutton, Esq. Tuomas Thomas] HaRRISON. [Harrison] ' Atheneum [Athens] Life Assurance Office, 30, Sackville-street, London, Jan. 30th, [the] 1856, ' Sir,-Your letter of the 26th instant is to hand. I am instructed in reply toinform [to inform] you that in the absence of all proof of interest by you in the life of the late Christian Bernin, [Berlin] this compauy [company] will resist any claim you may make. T am further instructed to say that other measures which may become serious to you are at present under consideration.-I am, sir, yours obediently, TT. G. ToMLins, [Tomlin] Secretary. To Mr. Thos, Harrison. Mr. Harrison's statement continued -I have not received any money up to the present time upon the policy but, in conjunction with David Hardcastle, a Mr. Richmond, a director, I believe, of the Athenzum, [Athens] came to my warehouse, on the loth of April, 1856, and demanded the policy I hold upon C. Bernin's [Berlin's] life. I retused [refused] to give itup. [it] On the 16th of April, D. Hard- [Hardcastle] castle called in the afternoon at my warehouse, and wished to know if I had anything to communicate to Mr. Rich- [Richmond] mond, [mind] before his leaving for London, I told him I had not. I told him should not give up my policy until I was paid for it. He then told me that Mr. Richmond would not pay me anything upon it, but he might make my wife a present of some money if she went withme. [with] He further told me that a person of the name of John Charlesworth held a policy for 1,000 upon Bernin's [Berlin's] life, and he and Mr, Richmond had been to his house the day befure, [before] when Mr. Richmond had made his wife a present of 50; and it I would take my wife with me to the George Hotel, Mr. Richmond would make my wife a present also, but I did not go. Jonatlran [Gentleman] Shaw has asked me, since I assured upon Bernin's [Berlin's] life, to assure upon others and desired me to purchase some policies he had on hand, but I told him I would invest no more money in life assurance policies until I saw how those I had paid me. Here is enough for one week. We have several other cases to follow and shall have some observations to make when the whole are before the public. At the quarterly meeting of the governors of the Royal Free Hospital, on last, it was resolved, That ; Miss Nightingale, in testimony of her highly distinguished The first case o which we call attention we shall desig- [design- policy, but take the gum ber, [be] and J will lend you an old services in the cane of suffering humanity during the late nate ay policy, war, be elected an honorary life governor of this hospital,' LATEST NEWS BY ELECTRIC TELEGRAPH. ---- - PROROGATION OF PARLIAMENT. The Globe says- [says we] We hear that the state of public business is not likely to permit the prorogation of parlia- [Parliament- parliament] ment [men] to take place on the 24th as intended, and that cere- [ere- ceremony] mony [money] will most probably be on Saturday, the 26th. THE NEW COMMANDER-IN-CHIEF. His Royal Highness the General Comma nding-in-Chiet, [ending-in-Chief] the Duke of Cambridge, has appointed Lieutenaat- [Lieutenant- LieutenaatColonel] Colonel the Honourable James McDonald to be his private secretary, SHIPPING NEWS. PorTsMoutH, [Portsmouth] Friday Morning.-The [Morning.-the] Centurian, [Centuries] screw, 80 guns the Colassus, [Classes] screw, 80 guns and the Trent, Norman, and Tonuing [Toning] have arrived with about 2,500 troops. FOREIGN NEWS. The Daily News, Paris correspondent writes-' I learn, from what I consider a reliable source, that the French government has already given orders for the formation of an army on the Spanish frontier. Qa IMPERIAL PARLIAMENT. gi HOUSE OF COMMONS, LAST NIGHT. The house met at six p.m, THE GERMAN LEGION. In reply to Sir J, Ferguson, Mr. PEEL said he had received no information of a further riot between soldiers belonging to the German Legion and the British regiments at Aldershott, [Aldershot] in which loss of life had occurred, Colonel GILPrn [Gilding] enquired the intentions of government with respect to the destination of the German Leyion, [Legion] now in this country, whose continuance was resarded [regarded] with con- [considerable] siderable [considerable] jealousy, and was contrary to the spirit of the Foreign Enlistment Act Sir DE Lacy Evans observed, that the continuance of these troops here was clearly opposed to the terms of the acts. This legion would cost the country between 800,000 and 900,000 more than the same number of militia and the house ought to receive some information upon the subject. Lord PALMERSTON protested against questions being asked upon the intentions of government. What they were going to do with the German Legion would be con- [consistent] sistent [distant] with law and propriety and more than that he need not say. (Laughter.) Mr. RoeBcck [Roebuck] complained that when hon. members asked zovcrnment [Government] as to what they were going to do, they were told they were too soon; and when they asked what they had done, they were told they were too late. THE LOSS OF THE BIRKENHEAD, S'r G. Grey, in reply to Mr. Garden, said that the heroism of the troops who were lust in her Majesty's ship Birt [Bit] enhead, [head] in Feb, 1852, deserved the gratitude of their country and the government would take into consideration the propriety of erecting some permanent memorial to them, MR. JAMES SADLEIR. [SADDLER] Mr. RoFBuck [Roebuck] gave notice that he should on Monday, move that James Sadleir [Saddler] should be summoned to that house and that he should on Thursday, move that he be expelled as a member of that house. The house then proceeded to consider the Cambridge University Bill, as amended in the Lords; and after a lergthy [length] discussion, and several amendmeuts [amendment] pushed to div s'ons, the bill was agreed to. NATIONAL EDUCATION, The Vico-presidint [Vice-president] of the Committce [Committee] of Council on E-lucation [E-cation] Bill passed through committee, after considerable discussion upon the cliuse [clause] of giving a salary of 2,000 per 'nv m [in] to the Vice-president, which was opposed, as being exce [exe] si e, by Mr. Newdegate [Newgate] and Mr. Hadficid, [Hadfield] and sup- [support] port.d by Lord Palmerston, Mr, Heywood, and Sir G. rey, Mr. HADFIELD moved that the chairman report progress, which was negatived on a division, by 91 against 80. Mr, then moved the reduction of the salary to 1,200, Mr, f'ADFIELD [f'FIELD] supported the amendment. After a lengthened discussion the committee divided, for the am ndment [condiment] 47, agaiust [against] 78, majority against 31. The clause was then agreed to, and the bill passed through commit e. T e house adjourned at 12 50. Go Readers and Correspondents. ERRaTUM.-In [Erratic.-In] an advertisement of the Huddersfield Bavking [Banking] Company, which appeared in our columns of Saturday last, the date of holding the meeting was omitted by mistuke. [mistake] The advertisement appears cor- [corrected] rected [erected] in to-day's SLIGHT ERROR CoRRECTED.-In [Corrected.-In] the Chronicle of Saturday last, a paragraph appeared, in which it was stated that the Rev. William Flower had been presented with a very handsome timepiece by the congregation of St. Paul's. It orght [ought] to have been that the testimonial was presented by the congregation of St. Paul's Lecture-room, at Aspley. Local and District News IN IN RR NANA ES ENR [EN] RAIS [RAISE] OPA [OP] ING PRR [PER] DSTA [STA] dae [de] tee MILNSBRIDGE New Nationa [National] ScHoors.- [Schools.- Schools] From an alvertisement [advertisements] in the Chronicle of to-day it will be scen [scene] that those schools are to be upened [opened] on Tuesday the 9th ot the present month. The Rev. Hugh Stowell, the Vicars of Huddersfield and Almondbury, and the Rev. John Haigh, are announced t address the meeting. Mrs. Sunderland will take part in the vocal proceedings, and Mr. J. Wood will preside at the piano-forte. PADDOCK ANNIVERSARY.-The [ANNIVERSARY.-the] annual sermons on behalf of the Methodist New Connexion Sunday School, Paddock, were preached on Sunday last, in the new chapel in that village in the afternoon by the Rev. R. O. Crotts, [Crofts] D.D.; and in the evening by the Rev. E. Wright, of Hudders- [Udders- Huddersfield] field. Appropriate hymns were sung, and pieces recited by the scholars. The collections during the day amounted to 18 12s. Large crowds assembled outside the chapel to listen to the singing, in addition to those who were literally packed within. WESLEYAN CHAPEL ANNIVERSARY, LINDLEY. On Sunday last the Wesleyan Chapel and School anniversary sermons were preached in the afternoon by the Rev. J. A. Armstrong and in the evening by the Rev. A. T. James, both of Huddersfield. The congregations were good, but not so overflowing as on former anniversary occasions, and the collections amounted to 10 odd, not so much as last and preceding years by several pounds. MEETING OF THE JUSTICES OF THE WEsT-RIDING, [West-RIDING] AND THE New Police Act.-An advertisement appears in to- [today] day's Chronicle, convening a meeting of the Justices of the Peace for the West-Riding, to be held at Wakefield, on Friday, the Ist [Its] of August next, at twelve to con- [consider] sider [side] the act of parliament entitled an act to render more effectual the police in counties and boroughs in England and Wales, and to consider the best means of carrying the same into effect. Tue CavaLry.-The [Cavalry.-the] fine regiment of the 2nd West Yorkshire Yeomanry Cavalry, will have a grand field day, on Weduesday [Wednesday] next. The corps will meet on Skireoat [Secret] Moor, and go through their evolutions, after which they will be entertained at a grind dinner by the officers of the Halifax troop. The above fel [fe] day is an annual one, and is perparatory [preparatory] to the regiment departing for their eight days permament [permanent] duty at Harrogate. MeEcHantcs' [Merchants] GaLa.-The [Gala.-the] annual gala of the members of the Mechanics' Institution, for which great preparations have been made, comes off to-day in Kirklees Park. It is intended that the party shall procecd [proceed] by special train to Bradley, and thence march in procession to the luwer [lower] or Three Nuns' gate of the park, accompanied by the Hud- [HUD- Huddersfield] dersfield [Huddersfield] Sax Horn Band. Should the weather prove to be favourable, a pleasa .t [please .t] day's amusement will be enjoyed. Gic [GI] AccIDENT.-On [Accident.-On] Tuesday evening last, as Mr. Allan, of the firm of Allan and Bowes, merchants, was driving along Leeds road, in company with a geutleman [gentleman] from a distance, the horse became restive and ultimately darted off but had not proczeded [proceeded] far before both gentle nen [gentle ne] were pitched out with great violence, and the vehicle overturned. Mr. Paton by the fall received a dislocation of the shoulder; his companion escaping with a few bruises, ACCIDENT To A Boy.-A severe accident occurred yester- [yesterday] day week, to a buy named Stocks, grandson to Mr. Joseph Stocks, mason, Hebble-terrace, Bradford-road The boy was at work with the masons in the erection of a building at Clough-house, when he suddenly tell from the to the groun'l, [ground'l] a distance of seven or eizht [eight] yards, by which he severely fractured one arm, broke his collar bone, and was otherwise dreadfully bruised. He was conveyed to his grandfather's, with whom he lives, and medical aid pro- [procured] cured. He is now doing well. Sap AccIDENT,- [Accident,- Accident] On Sunday evening last a sad accident occurred during the service at Netheroyd-hill school anniversary, which for a time, created considerable excitement among the large crowd. Among those congre- [Congress- congregated] gated was a boy, the son of Ephram Sykes, who, in order to obtain a good sight and hearing, had perched himself on asmall [small] ledge overhanging quarry, from whence, either from an accidental push, or from overbalancing himself, he fell to the bottom. On being taken up, it was found that his leg was severely fractured In two places. He was conveyed home, medical assistance procured, and the necessary applications for relicf [relief] resorted to. He is now slowly recovering from the effects of his most all. NETHEROYD HILL ANNIVERSARY.-The [ANNIVERSARY.-the] annual services on behalf of the Independent School counected [connected] with this rural and romantic village, took place on Sunday last, when, according to ancient custom, a large platform was erected outside the school-room upon which were placed the child en, who sung their hymns, and recited pieces with great precision and clearness. Discourses were delivered by Mr. J. Wood, of Brighouse, which were listened to with interest by immense congregations. This school festival is noted for many miles round, and people usually flock to it in thousands but on no furmer [farmer] occasion was there a more nu'nerous [nu'nervous] assembly than on Sunday last. The day being remarkably fine attracted many, and, on a moderate calcula- [calculate- calculation] tion, [ion] there could not be less than from nine to teu [te] thousand persons present. The amounted to 20 3s. 83d. SUPPosED [Supposed] Surcrpe.-On [Scrape.-On] Saturday morning last, the body of a man named Joseph Whitehead, a weaver, of Honley, was discovered in the dam at Dungeon Mill. How he came there isa mystery. The man hail been missing more than a week; and no trace whatever could be d's- covered as to his whereabouts till Saturday last, when his body was found as above. 'The [the] remains were conveyed to the Walker's Arms, bottom of Big Valley, where an inquest was held, and a verdict of Found drowned returned, as is relatel [relate] in another paragraph. Deceased was a member of the O ddfellows, [O Oddfellows] and had been a delezate [delicate] to a district meeting, where he had received some 5 for his lodge besides which some of the members had paid him contributions, amounting to 3 more. This money he had appropriated to his own use and it is conjectured that not being able to make up the deficieney, [deficiency] he could rot face the matter out, and therefore committed suicide, THE HUDDERSFIELD CHRONICLE, SATURDAY, JULY 19, 1856. Tue HortTicuLtusaL [Horticultural] SocteTy.-The [Society.-the] visitors to the grounds of this society at the annual show next month, will have the pleasure of listening to the musical strains of the band of the First West York Rifles. The society announces the engagement of the band in our advertising columns of to-day. RoBBERY.--A [Robbery.--A] robbery accompanied by violence, occurred on the Bradford-read, last Saturday night, toa [to] man named Ephram Sykes, of Netherhoyd-hill, [Netherthong-hill] He was proceeding from Hudderstield, [Huddersfield] where he had been to 'make market of the week's provisions, When within a short distance from his own house, he was stopped by some men, who, not content with abstracting 18s. in cash from his pocket, took also the provision he was carrying home for his family. Sykes received several severe blows and kicks from his cowardly assailants, but which fortunately have not incapacitated him from following his regular employment. Me is tather [rather] to the boy who met with the accident at the Netheroyd hill School anniversary on Sun- [Sunday] day evening, recorded in another paragraph; so that he truly has cause to say, misfortunes never come singly tor to mend matters with him, at this same time his wife is confined. BoarD [Board] OF GUARDIANS. -This board held its usual fort- [fortnightly] nightly meeting yesterday, when there were present- [presentation] Matthew Sykes, Esy., [Es] (chairman), the Rev. R. Crowe and Mr. J. Tolson (vice-chairmen), and Messrs. Turner, Hobson, Dyson, Butterworth, Earnshaw, Oates, Newhill, Hallas, Hirst, Farrar, Marsden, Smith, Binns, Roberts, Dodson, G. R. Haizh, [Hair] John Sykes, Lumb, C. Mellor, Wilson, and Thewlis, 'he usual relief business was transacted, and was concluded at an early hour, the board being unusually free from applications. The public business was also very slight, it consisting mainly of a communication from Mr. Greenwood, surgeon, relative to an operation for strangu- [strange- strangulated] lated [late] hernia performed, with Mr. Greenwood's assistance, on by Mr Roberts, the medical officer for the Golear [Golcar] district. The board ordered that the fee prescribed in the Consolidated Order, 5, should be paid to Mr. Roberts for the operation. 'The [the] chairman next brought before the board the case of an idiot-boy, who had been found some two years ago on the moors near Marsden, and who had since been maintained at establishment charges, In accor- [accord- accordance] dance with the decision of the board in two other cases, at their last previous meeting, the charge fairly belonged to the township of Marsden. It was moved and carried that the charge of maintenance should be transterred [transferred] to that some of the guardians expressing them- [themselves] selves to the effect that this course would cause the officers of Marsden township to do what they should long since have done-ascertain to whom the boy was fairly chargeable. 1t is supposed that the boy had escaped from a workhouse in the neighbourhood of Oldham or Ashton. The following is the return of paupers in receipt of retief [relief] for the week endinz [ending] Saturday last -In-door- [door adults] Adults, not able-bodied, 131; able-bodied, 51; children, 66 total, 248, Total in corresponding weck [week] of last year, 277 vagrants, 135 imbecile, 41 lunatics, 49 children in schools, 34, Out-door-Hudderstield, [Out-door-Huddersfield] 1,291, at a cost of 78 ls. 6d.; Kirkburton, 777, at a cost of #45 18s. ; Holmfirth, 532. at a cost of 38 18s. 2d. Slaithwaite, 541, at acost [cost] of 36 lls. [ll] 6d. non-resident poor, 213; total receiving out-door relief, 3,354, at a cost of 199 9s. 2d. Total in corresponding week last year, 3,668, ut a cost of 220 3s. 2d. Cricker.-JoHn [Cricket.-John] Hatcn [Hatch] anb [an] Co, v. A. anD [and] S. Henry AND Monday last a friendly game at cricket was played between the employeds [employed] of the above firms, in a field kindly lent for the oecasion [occasion] by Mr. William Wilkinson, of the Spink Nest Inn. The following is the score - JOHN HAIGH AND CO, Ist [Its] INNINGS. 2ND INNINGS, 8. Kaye, not 25 Schofield R. Steal, b O runout [rent] 12 W. Gledhill, e Kilner. ....... b 3 J. Robertson, Donnelly.... 1 notout [stout] .............. 15 J. Lapish, b Ellis 6 b Sechotield [Settled] 3 R. Riley, b Ellis ............ 6 e Schofield 1 R. Dyson, b Ellis ...,...... 10 b J. Goodall, b Schofield .. Le 3 J. Bumby, b Schofield ....., 3st [st] Donnelly .......... 8 J. Appleyard, b Schofield.... 2 b 9 J. Garnett, b Schofield ...... b Kilmer [Kilner] 3 Byes oe eee [see] eee [see] eens [seen] 5 4 Noball [Noble] UL cues 6 62 33 A. AND S, HENRY AND CO. IsT [Its] INNINGS. 2ND INNINGS, S Ellis, e Appleyard ........ 1 c 1 W Schotield, [Schofield] b Stead........ 6cStead [Stead] 2.2... 15 S. Mitchell, b Riley ........ 3c Robertson .......... 2 H Stott, b Lnotout [London] 3 W. Hanson, bStead [Stead] ........ 5 bStead [Stead] oo... J. Donnelly, hit wicket...... ObRiley [Riley] oo... ee, 6 J. Ibbetson, e Kaye ........ ObStead [Instead] 2... 1 J. Edwarils, [Edwards] ec Goodall ...... 10 b 2 S. Kellett, b Stead G. Kilner, not out .......... 3b 5 J. Kilner, b Stead .......... 5 BYES is cece [ce] 1 37 36 CuEss.-The [Cues.-the] following is a game recently playe t [plate t] at Halifax between Mr. Joho [John] Watkinson and one of the leading Halifax players -- Black (Mr. 2) White (Mr. Watkinson. ) 1PtoK4 [took] 1PwK4 [pk] 2 KttoKB3 [Jacob] 2 3 BtoQB4 [betook] 38 BtoQB4 [betook] 4 Cistles [Castles] 4PtoQ3 [pot] 5 PtoK [Took] R38 [R] 5b BtwoK3 [betook] 6 B takes B 6 P takes B 7 PtoQB3 [Partook] 7 KttoKB3 [Jacob] 8 PtoQ4 [Pot] 8 P takes P 9 P takes P 9 BtoQ [Bot] Kte [Ate] 10 PtoQsd [Taxed] 10 P takes P 11 P takes P 11 QKttoK2 [Cottage] 12 KttoK [Took] Kt5 [Kt] 12 Q tv Q2 13 Rto [To] K sq fa) 13 Castles (K R) 14 Kt toK6 [took] 14 RtoK [Rook] B2 15 KttoK [Took] Kt5 [Kt] 15 Rt KB sq 16 KttoK [Took] 6 16 K Rto [To] K sy 17 BtoK [Book] Kt 5 18 B takes K Kt 19 KttoK [Took] Kt5 [Kt] 20 Q takes R 17 Q Kt takes Q P 18 Kt takes B 19 ft takes R (ch) 20 Rto [To] K sy Zl PORK KS 22 KttoK [Took] 5 23 Q to Q5 (ch) 23 K to Rsq [Esq] 24 Q takes Q Kt P (2) 24 B takes K B P (ch) 25 K to K h2 25 QtoK [Took] B4 26 Q Kt toQ [to] B38 [B] (c) 26 Q to K B 5 (ch) 27 K to Rsq [Esq] 27 Kt to K Kt 6 (ch) 28 K to K R2 28 Kt to K B 8(dble. [8(dale] ch) 29 K to Rsq [Esq] 29 Q to K R7 (ch) 30 Kt takes Q 30 Ktto [Otto] K Kt 6 Checkmate (d) NOTES. (a) Kt to K 6 would have been a more embarrassing move for White. (4) Black has no time for this capture. (c) White now announced mate in five moves, ( The termination is remarkably ingenious and brilliant, HOLMFIRTH. ODDFELLOWS' ANNIVERSARY.-The [ANNIVERSARY.-the] Loyal Yorkshire- [Yorkshireman] man Lodge of Independent Order ot Ouldfellows, [Oddfellows] No. 204, (Manchester Unity), held their annual feast last Monday, in the commodious lodge-room, at the White Hart Inn, Holmfirth. A good substantial dinner was served up aud [and] partaken of by the brotherhood and the widows of deceased members, who, together, numbered sume [sum] 140 persons. The lodge afterwards mustered in processiun, [procession] headed by a white silk banner, on which was painted the arms of the order, and the words Manchester Unity of Oddfellows. On the reverse is portrayed a widow and fatherless child at the tomb of a departed brother,-the words we succour the widow and orphan being inscribed. The procession, preceded by the Sax-horn band, paraded the town and locality, by way of Lane-end, Newtown, Upperbridge, [Upper bridge] Burnlec, [Burnley] and returned by way of Buttoms, [Bottoms] Prickleton, [Prickle ton] &e., to the White Hart Inn. On again assembling, the (which has recently been enlarged) was crowded by the friends of the order, and Mr. G. H. Crosland, the G.M. of the lodge, opened the pro- [proceedings] ceedings [proceeding] by the financial statement for the year 1855, from which we gather that the lodge isin [sin] a prosperous and thriving condition, having gained on the year's transac- [transact- transactions] tions, [tins] 87 17s. 10d. It is now worth the sum of 873 17s. 7d. The increasing prosperity of the lodge was hailed by the fraternity with the odd one. A party of vocalists, consisting of Mrs. Lister Peace, Miss Heatun, [Heaton] Mr. Gledhill, Mr. H. Ramsden, from St. Pauls [Paul] church choir, Huddersfield, and Mr. J. Ramsden, of the Holm- [Holmfirth] firth choir, accompanied on the piano by the youthful organist of Holmfirth church, Master Albert Lister Peace, gave a selection of music, which was listened to with delight by the company, the performance being honoured with deafening plaudits, and several pieces encured. [encored] The company were also favoured with several songs and glees by Messrs J. Charlesworth, H. Johnson, and J. Roberts. HONLEY. THE PEACE DEMONSTRATION COMMITTEE'S MENT.-This [MEN.-This .-This] committee not having an opportunity if partaking of the good things provided for the 14th ult. am which day they entertained all the old people from 6 -years of age and upwards, also the widows and Sunday-schodl [Sunday-school] scholars and other children of the town, fixed upon Friday the llth [loth] instant, to celebrate the success of their undex- [under- undertaking] taking, when between 50 and 60 of the committee and ther [the] friends sat down to a substantial dinner in the Natiovad [Nativity] School-room, which was gaily decorated with flowers amd [and] evergreens. J. Robinson, Esq., of Smithy-place, the cam man of the general committee, presided on the 2 and Mr. J. Heap, of Lord's Mil vice-chairman, occupeadl [occupied] the vice-chair. The sub-committee, consisting of the chairman, vice-chairman, Messrs, G. Jagger and J. Framae [Frame] secretaries and Mr. Henry Thackray, treasurer, had cured the services of Master G. A, Beaumunt, [Beaumont] of Hon' to preside at the harmonium, and an efficient party of gise [ise] singers, consisting of Miss Hinchlitfeand [Hinchliffe] Mr. F. Hinchitfie, [Initiative] of Newmill and Messrs, E. Beaumont and W. Renstrany, [Restoring] of Honley. After the cloth was drawn, the Chairman imas [mas] concise and appropriate address gave the toast of Ber [Be] Majesty the Queen, which being duly honoured, was lowed by the toast of Prince Albert, Albert Prince of Wales, and the rest of the Royal Family. Glee- there's acharm, [charm, 'The [the] next toast from the chair was the ' Army and Navy. In giving this toast the chairman saad, [said] he was confident that all present would heartily respond it. Had it not been for the courage aud [and] perseverence. f [perseverance. f] our army and navy, together with the gallantry of ear allies, they would not be met there to celebrate pcacg, [package] the terms of which, in his opinion, comprised ail the allies set out to fight for, The toast was shortly responded to by Mr. C. H. Kellett. The toast of Tho allies' wis next given by the chairman, and responded the by Mr. R. Cardwell. Glee, Happy They. The cham [chan] man then gave 'Her Mujesty's [Majesty's] ministers, which we responded to by Mr. L, Littlewood, in a speech oulogistie [eulogistic] of the manner in which, generally speaking, the minister had condueted [conducted] the war. The toast of The the] clergy, anil [ail] ministers of all denominations followed, responded to by the Rev. H. Boyden, [Boden] curate, ina pleasant specch, [speech] whie [white] was loudly cheered. The Town and trade of Honiey' [Honley] next followed, and was responded to by Mr. Chas. Keflest, [Coolest] in a lengthy speech. Song, The the] Slave, y Wiese [Wise] Hinchlitfe. [Hinchliffe] 'The [the] chairman next gave the toast of lidies [ladies] ;' and Mr. W. Roebuck, in responding, humouroasig [humorous] said they had manfully done their duty. Glee, Tae Tea] Seasons. 'The [the] officers of the town was then greg, [reg] and responded to by Mr. G. W. Farrar, overseer ama. [am] guardian, Votes of thanks to the subscribers, the committees, the chairman, vice-chairman, the and treasurer, were then given, and the meeting broke p by joining in singing the National Anthem. Every cam present seemed highly satished, [satisfied] and expressed a deste [tested] that such gatherings should be more frequent in the locality. MELTHAM. Coroxrr's [Coroner's] INQUEST. On Monday last a inquest was held at the house ot Mr. James Walker, the Oddfellows' Arms Inn, Big Valley, South Crosland, befess [bess] George Dyson, Esq., coroner, on the body of Jusegin [Justin] Whitehead, of Honley, who was found drowned in Dam geon [Geo] Mill-dam on the Saturday previous. It appeaneél [appearance] that deceased, aged 43 years, was a woollen power-hom [power-home] weaver; that he had been a person who had been fond of drink; and baviag [bag] got possession of some 5 frome [from] secret order to which be belonged, had gone on the s with it, and had not returned home since the 2nd inet [net] 5 nor did it appear, according to the evidence, that he kad [ad] been seen alive since Saturday, the 5th inst. When he wan found in the Mill-dam be had only 2s. 64d. in his pocket, It did not appear how, or by what means, be had got int the water. Verdict, Found drowned. Deceused [Deceased] hes left two sons and one dauzhter [daughter] to mourn the loss of bee parents in the short space of two munths, [months] the mother having died in May last. MARSDEN. OrnGan [Organ] Openinc.- [Opening.- Opening] The congregation atlending [attending] tne [te] Iudependent [Independent] Chapel, have receutly [recently] had an organ sot in their place of worship. We understand that it was originally purchased of a resident in the neighbourheag, [neighbourhood] for the sum of 15; alterations and improvements subsequently made, which have increased the cust to upwards of 40. The formal opening of the organ towé [town] place on Sunday last, when sermons were preached in the afternoon and evening by the Rev. A. of East. wood, and collections towards paying for the organ male, amounting to above 22. SADDLEWORTH. New APPOINTMENT.-On Monday, the 14th Walter Garstang, Esq., M.D., of Dobeross, [Dobcross] was appointed certifying surgeon of facturies [factories] for the lower division of Sed [Se] dleworth, [Saddleworth] the office having become vacant by the he late lamented Alexander Thom, Esq. The appeiat- [appetite- appointment] ment [men] was made by Leonard Llorner, [Lorne] Esq., une [one] of bar Majesty's inspectors. of fictories, [factories] NeGLect [Neglect] of FamMiLy.-On [Family.-On] 'lucsday, [Lucas] the 15th young man named Davi [David] Davies, from Stuckport, [Stockport] was brought up under warrant before the Bex. [Be] R. Whitelock, clerk, charged by Mr. Charles Ken wortirg, [wording] relieving-cflicer, [relieving-closer] with having in the month ef May lam deserted his wile and child at Barracks, near Junetion, [Junction] ia this township, whereby they had become charzexble [chargeable] epen [open] the pour-rates of Saddleworth. Defendant paid 7s, towards reimbursing the amount given by the relieving- [relieving officer] officer tu his wife, and ayreed [agreed] to pay &s. a-week untilell [until ell] was cleared off. He also engayed [engaged] to take his wife and einkd [end] tv a house of his own, when they were in a fit state to bo removed, 'This agreement was accepted, and Davies wos [wis] discharged, THE LATE MR. ALEXANDER THOM, SURGEOK, [SURGEON] TO THE EDITOR OF THE HUDDERSFIELD CHRONICLE. In your last week's an article appeared headed ' Suicide of a surgeon at Dobeross. [Dobcross. It was natural that you, dir, [Dr] a stranger unacquainted with the deceased, shawtél [shawl] prefix such a heading to such an article. But more is daw [saw] to the memory of the deceased than the publication of last act, A record of his lifeshould [life should] accompany the record of the manner of bis death. Permit mo through the Medium of yuur [your] paper to render my mite-a smeil [smell] and inconsiderable fraction of the tribute that is justly due to his character. In the year 1814 a stranyer [stranger] arrived gt Delph, in Saddleworth, announcing himself a membex [member] of the medical profession, He had been at sea, whese [these] for some years he had officiated as surgeon's mate, in one of the ships of the Royal Navy. Amongst the population Saddleworth-at that time rather isolated, and sky f strangers-he was friendless, and treated with But one discerning in lividnal, [lifting] Gameliel [Amelia] Buckley, Esq., tar guardian of the poor of the township of Saddlewurth, [Saddleworth] casually became acquainted with the stranger diseovewad [discovered] and appreciated his merit; received him into his hease, [ease] and recommended him to patieuts. [patients] A few snecessful [successful] casas [cases] spread the fume of Alexander Thom, and his professional skill became more generally appreciated. With a mostan [most] auspicious commencement, and through a host of difGeulties [difficulties] that would have paralysed the energies of ordinary nen, [ne] he persevered, till he a position in the esteen-af [Eastern-af] the people of Saddleworth which perhaps no ather [other] residast, [resist] of whatever profession, ever occupied. Although his pre- [professional] fessional [professional] skill was of a high and most respectable ovdar, [ovary] yet his moral qualities were the basis of his reputation. His conscientiousness in reference to his medical duties was exemplary. The sclf-denyinug [self-denying] labour, his attention to his patients imposed upon him, is scarcely credible, Az his practice for a long period extended over an area -wf more than fifty square miles, his travelling inclusive riding and walking was necessarily exce sively [exe lively] toilsoum. [toils] ' But he seemed to have no regard tor his own health ar comfort. 'Through all weathers, and at all times of nigte [night] or day, he visited his patients; and in his anxiety to wt ness the crisis in particular cases he has often been to visit the same patient three times a day though at distance of several miles from his own house. Supposing his travelling averaged twenty-fuur [twenty-four] miles a day for tiorhy [tiara] years (and those who knew his habits will not think thas [has] an exagyerated [exaggerated] supposition), it amounts to 350,100 miles- [miles fourteen] fourteen times the circumference of the earth. He tefla [teal] martyr to his profession his incessant application brokea [broken] physical constitution of iron strength, and destreyedl [destroyed] the powers of a mind of no common order. Anether [Another] moral quality he possessed in an eminent deyree, [degree] was benevolence not that injudicious charity which degme es [deem es] the recipient by inducing idle dependence, but that sterling benevolence that helps a man to help himseff, [himself] As an illustration, one fact out of many may Oap [AP] member of a large family was seized with typhus fever, which took the rest in succession, suspending their empley- [employ- employment] ment [men] for the greater part of a year. Mr. Vhom [Whom] was thos [this] medical attendant. He also provided for them their sae sistence, [distance] and paid for their nursing during their protracted affliction. He was successful in restoring them to com valescence [convalescence] and health, but their employment was gone. He advanced asum [sum] of money to the head of the The proceedings of the evening were concluded with the and encouraged bim [bi] to commence the woollen business am National Anthem, and all returned homeward, highly grati- [great- gratis] his own account. Stimulated by gracitude, [gratitude] the whole fied. [field] PROCESSION OF SEcReET [Secret] OrDERS.-In [Orders.-In] accordance with applied their united energies to iho [ho] proper acknowledge- [acknowledgement] ment [men] of their obligation and in a short time were so sug [su] a resolution adopted at a meeting of delegates from the cessful [useful] as to repay their pecuniary debt to Mr. Tham, [Than] secret orders and friendly societies in the district of Holme- [Cambridge] bridge, invitations were accepted by the various lodges in the locality to walk in procession to St. David's Church, on Sunday last. About 300 members, comprising oddfellows, [Oddfellows] shepherds, and druids, assembled at Holme- [Cambridge] bridge, and walked by way of Llinchliffe [Hinchliffe] Mill, Dob, &c., to the Church. The sermon was preached by the Rev. J. Fearon, the incumbent, and the sum of 5 12s. 6d. was realised for the Sunday-schools of the district, to be equally divided amongst the Holme-bridge Church-schools, and the schouls [schools] of all denomi.ations [midden.nations] at Holme, Hinchlitte [Include] Mill, and Austonley. NEWMILL CHURCH SUNDAY-SCHOOL.-The [SUNDAY-SCHOOL.-the] annual ser- [se- sermons] mons in behalf of the above schoul [school] were preached on Sun- [Sunday] day last, in Christ Church, when above 9 was realised. The morning preacher was the Rev. J. W. Holmes, the incumbent, and the afternoon preacher was the Rev. W, Flower, incumbent of St. John's, Uppertbong. [Upperthong] JACKSON-BRIDGE ScHOOL [School] SENMONS.-The [SERMONS.-the] anniversary services of the Wesleyan School, at were held in Hepworth Chapel on Sunday last, when Mr. John Wilson, of Birstal, [Bristol] preached in the afternoon aud [and] evening, Court, July 12, Before J. T. Fisher, Joshua Moorhouse, and J. Charlesworth, Esqs. [Esq] A SERIES OF AsSUALTS.-On [Assault.-On] the information of William Bottomley, of Underbank, a summons wis issued, citing James brook, of Damhouse, [Farmhouse] to appear and answer the charge of having, on the 28th of June, committed an assault upon the complainant. Both parties appeared willing to settle their difference, them to do so on the defendant paying 12s., the expenses, -Joshua Ellis, of Gully, charged John 'Turner of Under- [Underbank] bank, with assaulting him on the 29th of June, The alleged assault arose whilst the parties were in a piblic-house [public-house] in uderbank, [Underbank] and whe [the about to go home at midnight. In NS C256 [C] &iso thé [the] teuca [tuck] acceded to a request to to settle the affair, which wag ed oe itllow [tallow] them the expenses 12s,-Lydia [1st,-Lydia] Cha Mrs. Earnshaw's, ot Dob, in Ca of assault against Lydia Thewli [Thewlis] the same locality, said to h of June. The evidence o effect that the defendant, out a the day mentioned, and y pimentary [alimentary] nature hal passed between them, the detendant [defendant] practised physical force by pulling the hair of compainant [complainant] and breaking gave corroborative evidence.-A fine of Zs. Gd., and expenses L4s. [Ls] Gd., was intlicted, [inflicted] and in default of payment de'er dant [dan] was committed te Waketield [Wakefield] House of Currec- [Cure- Currecrtworth] rtworth, [worth] preferred a charge ave been committed on the 5th f the complainant was to the tion [ion] for 14 days, and the bench allowed But their debt of gratitude is still uncancelled. [unconcerned] They ans now manufacturers in a thriving business, and owe 2om- [om- competent] petence, [pretence] social position, and perhaps through dence, [dene] to Mr. Thom. Mr. Thum [Them] related this incident og an inducement to another to accept pecuniary uccommode- [commode- accommodation] tion [ion] at bis hands; but his kind otfer [other] was declined, ae circumstances seemed unfavourable to a due Another evidence of his disi terestedness [dis interested] may be mea. tioned. [toned] After every enquiry, cannot hear of one instanee [instance] of his employing legal means for the recovery of His outstanding and irrecoverable debts must be a very great amount; but he followed not his professiaan [profession] for lucre so much as for the benevolent object of ; the suffering of weak and diseased humanity. During neat forty years personal knowledge, I bave [ave] never known one mean or ungencrous [generous] action laid to his charge but many times have known of his remitting a part or the whole the debts of indigent patients, I have enjoyed his intinate [intimate] acquaintance-which was a privilege. His kindness amd [and] urbanity were those of the gentleman his intelligence wae [we] the laboured culture of a first class intellect his acquise- [acquire- amusements] ments [rents] were extensive and profound; he was a cliussical [classical] schviar [scholar] could read and appreciate the Latin poets asdf [asked] historians in the original his literary taste was nice and discriminating bis critical talent acute and judicious hm knowlelge [knowledge] ot bistory [history] almost universal and his vast acquae [acquaint] were so generalised and divested, that the moral af every historical incident-the tine philosophy of bumam [Burma] nature, and the quintescence [Quintessence] of the mental riches of the classics of every age, were treasured in his mind. Ia the expression of his sentiments, he invariably breathed agpiait [apart] ot love and good will towards men, and of veneration aa piety to the Supreme Being and the general tenor of big life for the last forty years has been consistent with rate tianity. [vanity] 'He went about doing good. ss He vel [veal] the poor and the fatherless in their distress, and causedl [caused] permitted on payment of debts tterton, [Teuton] a servant girl of S, single young woman of Thewlis, came to their house at after some words of a not her comb.-Mrs. Earnshaw ready to perish came upon him, him for all in all fear) again, the widow's heart to sing for joy. He forgave men toe may his trespasses also be forgiven He spoke of suicide with instinctive horror when such cases occurred; and Lis [Is] friends will never believe, that even in ' of mind, he ever purposed suicide. Perhaps his bickea, [bike] and disordered memory might mistake the phial for 200 restorative draught or, on the worst view of the case, bie [be] state of mind absoled [absolute] him from accountability. By tie intelligent friends he was consulted as a walking piedia [pied] by those of ordinary acyuirements, [accoutrements] be was 2p. eahod [ea hod] to asan [asa] oracle; by all he was revered, When the raz [ra] heard him, then it blessed him when the cye [ce] saw hin, [in] then it gave witness to him. The blessing of him that vag [bag] He was a man, tales we ne'er must look upon hw lke [le] A PRIEN [RIPEN]