LIND SOCIETIES AND BUILDING CLUBS.

New Zealand Herald, Volume I, Issue 181, 11 June 1864, Page 4

LIND SOCIETIES AND BUILDING CLUBS.

Tin-: increase of moans hv which persons of, comparal i\cly small incomes can prolilahly ! and sal'elv inv(-st a ]iortion ofthe'.r eai-.iiicjs. : must meet wiih. !hc Miprohaiiou of all ri'.r'i! ! tliinkini; }i''rsons. There is a certain nx iiifrhtt, a dead existing in many men in connection witli the subject of .--aviuir. that: has to be overcome before tbev can be induced fo commence ih.'d imporianl work, riiiici-ustonied lo invest money, and constantly he.n-ini; of well dressed, plausible rogues who inauLTiirate societies and. companies for (he sole purpose oi' Ihose I unfortunate euom.di to trust (.horn wit h their ) monev, they positively »i-t ;s dislaste for saviiiLT: and. philosopliisiii!.;- in iheirown wav upon Ihe ipiesiioii. ihey come to the conclusion that' it is about as easy lor them to bale nut the waters of 1 he ocean as "to ascertain what scheme that bids for t heir support is i worthy it. and that therefore they will re-! move till risk of Ileitis cheated by spending! what money they earn, or if they save at all. j bv keepin;/it in'tlieir own hands. That there is an enormous amount <>f capital locked up | or squandered bv' persons of small im-omes is uin|Uesl ioiiable : ami il would be of very irreat benefit both to the individuals of this I class themselves, and to society al laru'e. | could il lie called forth and made available for cunmiercii'l enterprise. This -would be ! like collecting: numerous smail rills, and j directinu r their course into one channel, and j so forminir a deep broad river thar could I carry on its bosom n I'eei of ships, and thus j promote commerce between distant parts of | the earth. I-'or while this money is kept [ unused, the capital of the country is virtually j decreased by the amount thus withdrawn for | the time beini: from circulation and use. Amontr t he \ arious schemes that have been ] successfully launched for the purpose of providing a t horoii!j,hlv safe and profitable investment for small savings, none have been so popular, so useful, and.so successful as landsociet ics. lu.'ihliiiu' clubs, am! co-op era 1 ive stores. The paid up capital of such societies, drawn from the upper portion of the lower classes, and from the lower portion of the middle clashes, amounts 1o several millions sterling. The ■: real secret of (heir sm-cess is. liist. that tliev are managed entirely by ihe shareholders themselves: and secondly, that very slriie_ r enl re;; ulat ions a re enforced to prevent fraud. Indeed the loss from fraud or ijross of any l-.ind is practically reduce! to zero. We very much question whether there are any joint stock companies in existence, in which there is so little ma!\ersa;ion or waste of funds, or which display more slcr!in<_ r honesty and practical common sense in t heir management than do t he-'- .-■ n-i.-fies. ! u a J >I;i• e like A uckland. where waives are lii'.'h. and iu'iu.ci liieiils lo spend them ill that which prolils noi. it is of tin- ill most importance to present various means for the periodical inv.es! meul of small sums, l> v which iiie uimosi possible .seciii'ily is eoiuliiiicd with a fair rate "f interest. We are v.hnlio perceive that land societies are spreadiii"; :tun<ii'_:' us. and tii.'il thev extend their operal-'ons lo our , at (Ineh.uuua. ilut t here are persons, who. for va I'MMls reasons ih) no! join 1 nese socu-1 les. Tin , re is an ob;eclion for. instance, in the minds of some lo the lotierv or " prize" system, bv which members obtain funds from them on mortu'aue. And as there is plenty of scope anions us for variously constituted soeiiliis. conducted on sound principles, having the same end in view, though approaching il bv various lines of road : we will lav before our readers, in as r\i-;<v a manner as v, e cm. liie principles on which the best managed and most successful buildin; , ; clubs are consirucled in I'hmhi ml. There are many who would perhaps join the latter, who do noi' beloli , .; to anv of our I,,'iid soi-ielies. An'.l lirsl as to -ovcrnmon;. All ihe niiicers are ajipoinled iron: :iml by the members alt hi- ami 11; ■. I meet in;;. In addition to those returned in the rules of any Auckland land socici v now Iy im.; bei'ore us. are t wo slew arils, w hose duty is to receive the subscriptions of members on the monthly nights appointed for that purpose ; and to hand then over to the treasurer the same ukcht. who sii;ns liie book in which they are entered, as a receipt for them. The Trea-.-urer is lined if the money so received lube not paid into the bank oi' the club the next d.iv : and il is a part of the secretary's duty to see this done. We coushlcr this provision preferable to the rule in land societies here, which only provides 1 hal t he monev shall be deposited in the hank once a week. It" would be much more business like to have it deposited on the day of receipl. if received before bank hours, or on the next day if received after. There are also two other additional ollicers in a building elul*. viz.. surveyors, whose duty it is 1o examine and report upon all properly offered as security lo the society, and to state ils value. The' societies that are most popular, and have by lar I he largest number of members, an: permanent in their character exactly ihe same as a joint stock bank or railway Company. The shares are .(.'lO each, paid by monthly subscriptions of ten shillings a share; but a member desiring il can pay his share in full al any monthly lie likes. Any number of shares may be held by a member. There are also half and quarter shares. The number of members and of shares varies with the and popularilv of the society. Select in;; iwo clubs from a list of a dozen

oeXoru us, we find that one, Avhioli lias boon in existence ten years. li;;s 800 members, holding 17,000 siiareK, and The monthly receipts as as wry nearly £1-000 sometimes. Another, at the end of the lirsi: year, —last XovetnVer—had 1 Si ineni-_ hers. iioldiiiLC 1 '■>- 1- shares, with a capital ot Ci 0.500 subscribed in that one year, ami .-L'iW.lOO of it had bcieii lent to members on moriaije security. The first mentioned had lent .1'.'0.000 oil lnortrcre diiriiiLC the past iwo years. ls!>i> and 1 ~G-'>. Ti.ere i'.ro some ihiriV bihhilicjs i-iulis in (ho town io wnicli we are alludir.!,'. ])<-rsoiis liave :i few shares in perhaps hall' a dozen clr.lis- ! . Anv member can borrow money from the : sociel v on si'ciirity of housei-.old ■ or landed property, if approved of by the j commit tee of nw;->:vreme:it. There is no j balloting or lottery used. A s-haivlmbler | sees a j>ro[ifi'i ! , '.iliich lie wishes fo purch;'.se. e;)(|Ui:-(s ihe price, ami applies to the ■ secretary for a 'certain amount as an auvance . upon it.' Tlie iipjilicatinn is laid before the j committee: the reports and ruinations ol , the surveyors are considered : and an amount | generally'equal to about four-tifllis of the j value of t lie property, is advanced upon it. - The intending purchase! , at once learns ji-,--, ainoiiu , ihi'i-iiib will aihaiice. and he can tin u ,• c : -'.e v. heti-er he will purchase or m>l. 1 f : i< ,h ciiles in tiie allirmalive. ihe deeds arc at once made nut deposited :n ti.e society's hox al the bankers, and i!ie money j handed over to the who is forth- | with put in possession of the property. I jfaviii:; n'ot: his advance h<> must now think ol' repaying ii. Tin , borrower has ihe j opt ion of having the use of 1 he money for j ten. -twelve, sixteen or twenty years. .lie! pars interest- at Hie rate cf {ive per cent, jkt j annum, on the amount stand iti'j; at his | debit in Uiv society's books at the j of each year. The interest therefore: decreases in proportion as his debt decreases, j The repayments are made in monthly insi.il- ; ments according to a scale publislud in the J rules, and k::owu by the borrower before hand. Jie may. if he choose, pay more ■ than the scale mentions, hut he is lined if he pay less. The monthly repayment for every ; t'l'ro borrowed for twelve years, for instance, is eighteen shillings and nine pence. The amount of principal lo be repaid per month for the first year bein- K»s. "id., and the Ss. Id. Tiie aiuount of principal repaid is increased each year by the same amount that tiie interest is decreased. A borrower can therefore always c'e.tr'v see the payments he is bound to pay monthly to the society, and can calculate accoriliii'j.ly. when contemplatinir purchasing property and paying for it throiiM-h the building club. Tiie society insures all jiremises against lire which are moi-tLTaiced to it anil charges the insurance lo l he morira^or. The prolits are inaue up of ontraiici , money, hues, transfer fees, premiums ami interest'. The dividends of the societies whose system of organisation we are .describiuLf. have steadily remained at seven per cent, per annum for many years past. .1 hat is. ol course, eoiial to about fourteen per cent. 1;, re. Ail of these clubs have a reserve fund formed by sett inn' aside a portion of the prolils each year. This is a wise provision which al once enables the directors to meet anv loss or emergency, and serves to keep the dividends at one steady rate. In the society we lirsl ijiioteil in this article, the reserve fund is now ;l"">.:!00. The expenses of management are very small. .Share* can be withdrawn on jjivini; one month's notice to lliat eli'ect. We have thus Lfiven at tolerable length. and wiih siliiicien! clearness we hope, a -cneral idea of the main features of the biiihiii!'.;- club as organised and managed ac- ! coi-dim.; to il-.e latest and must approved principles adopted after "many years expe- ' ri'-uce on an extensive scale. They are j des'-rvedlv \erv pojiiilai" in many of the I lari;o towns in for they enable (hundreds >•[' per.-ons to become the posi sessors of propei-ty. who would ot herwise be iutierlv uualde io do so. The rent of a house in the towns of Kndaud. will as : a nil--, meet I he repayments to the building ■ dub. and hence an incrcasinLC number ol' : persons buy their house throui;h the club. :i:i11 iiisiea'i ofpavini; the rent to a laiiiilord fora dozen vears, lliev p;'.y it lo the society ea -M month for thai time, and the house is then their ow !i ; whereas by merely renliiu: i il for thai time, they would, have paid for ii. i but would not own a simile brick therein. [ How many artisans and workup men are ! there in Auckland, who. by I his means could. ■ iu a very c.isv w;iy secure one or more J houses in a. very short period of time. The 'price of a house.even with land at its prei s.-i:l hit;h ra.te. voiiid smm be jia'nl for at ! preset , .; i-aleof rents. We coinmeml the I subject to the t coiisideral ion of ' Ml,'!, : and shall be ..-Jad lo hear of tiie comi nii-iicemen! ot'a building club or. the jirinci- ! pies we iiave explained in ihis aritcle. beinn , ijiiiie ciiiivinceii that iliere is plenty of room j for it. wilhoiit in:ei-l'erinu' wi:h any k<\' tiie I hind socie! ies now in existence in this city. i ! nd'c! t lie more on port unit ies ilia i are a I'.'or-i- ------| ed for safe and pro lit aide investment .1 he more I will 1 he desirability and advantages ot' prudence and economy be kept Ik lore t he public, and the more likely will these habits gradually spread amoiiLt the people, and habits of a contrary tendency be kepi in check. To sum up tin- advantages of ihe societies we have name;' in a few words, we may. at the risk of repetition, conclude by slating, tha: j every member has a voice in ihe management of the society : he can pay 1 he amount of his shares.-it her at once or by instalments : j he can leave his money at interest, taking j his propel- share of the prolils, without i borrowiiiLC money on hand or property unless he chooses to do so : he can take up addii ional shares al any time, ami withdraw from the societ v at any time all the money he has paid, with interest ; he can. by means of the societv. thus save small monthly sums till they reach a larger amount ; he can buy one or more shops or houses or pieces of land, and in.'always certain that he can at once borrow a fair and reasonable amount upon his purchase, and that he can repay that i amount hv monthly instalments instead of ■ having to provide il all by a certain time: I and he is thus entirely protected from a | moriL, r au:ee fore-closi'iiu; upon him, and calling I for the money, perhaps unexpectedly, and '; when ihe borrower is not prepared to repay it. 'fhe society can never fore-dose so long as the monthly repayments are made, and a few months' payments can be in arrear on payment of a line. And those who invcM their savings may help on the safely of their mode of investment, for their money is only lent on saleable property. The managers

being members, have a <:i;c ; t in!crest in acting with 'luo caution, for they hare to hear their share of :mv loss which might arise. .Ami each shareholder of those clubs at; oJicf ireis the advantage-; of large interest for his "small capital which usually is orily obtaincd hy tlie capitalist. There is an unlimited. ?cope fur societies id" this, kiiiu in iliis province, where there ;;re so many liersi-tfis of small means nnd who have land ~.- ~i hrv ],roi. "I'M- ":i wlui-li they would ho very «.'!."..' u< bur.w a small sum for a term I of vi-ars and repav il by easy instalments. i Till" >'|-«- W.MKATO S-.T.AMKII ' VvANCIHIKj' : will verv M.orilv l)f iv:i.ly lor the river service; ! slu- is. we understand, a very fine boar, amfwcli : -:i!r,l for the purpo-e for which she has been 1 lmilr. Cant .".I i> Turner. .»fine " Corio." will. -sfS 1 :l ,v ioR r.'iU- ino c-mmand of her. Th.e steamer i ■ (iinulri'Mi.' p-rHiased f<.r the Colonial Government !>v .Mr. J. (.'. Virih. a I\iuiTay Kiver boat. I ami especially constructed IV.rtiie navigation ol a ■ -win and -hallow ciiiTcnt. is now clue in the i Manuka.i. and may l.e expected hourly. She ; was I.) have left Adelaide ~n the 21 si tilt. I Aci-ii.rxr ox Tin- AYiiai:i\—On Thursday ' fvi-nhv : .iir.:it S (u'lni-!;. a drunken AYaikato ; Mililiaucii. w.-!it down the AVhui-f with tlie iu--1 icntioii of Lr-Mi:-r "ii board the ■ Lord Clyde.' : !vi>!>r ai liic '■:>.<} d' ihe.wharf. When either on boanl'nr on his wav he'.'Mi over. The Captain being below and hearing a splash, ran on deck ami 7a-.v a man in the water. Throwing a rope t" him !■" kepi him 'ii> until a boat was lowered > which pi.-Ked'him ii-..'a-,d :■•■•■; him roirndto the ! stairs. v.l.civh.- w.- h ...-..-d over t<. the pohce- ; comparatively uninjured, ucrv providentially tor I him. ' We tliink tlisit the police should be rather j stricter than they are in preventing drunken I men from passing'on to tic wharf. It is no un- ! common thing Vo see .wo or three dnmkers ! men on the wharf, whoou.'v bv a miracie escape ! IVom i'allM.LT over; "hen I hey do escape, winch 1 is i';\r iVvin h.'int; aiuc'.vs the case, as the dead i liMilies I'vinnl t'ro'iii l-iiu- to time Uglify. I 'I'm: C.ll.iwiiiLr iK.-cotiiir of the use of the gali vanic batlerv i'<'V I'lirposes in Ken- ; Zealand, is taken 1V..!,! the JhufCio Times, May ! ;;,„!, : _.--\V,. miiier.-laiid that on .Saturday last 1 aliiuit b;ilf-i>ast two j<.in., a very portion of ; the Jiell iii'll was iii.-;od-ed by'the application of ll;e iralvaidc batlerv. V\'e may state that_ the" '■ two holes con!:iin:ni: the charges were of the i depth of •!•") and ;-J Veet Te>].ec!ively. and tha*, ! t!:e i[iiantii v of ; ow <ler useil was no less tlian .•:>■ t'lJis. The infant t!ie ciivuit was coniplefed both cha:i;es e\] i.>d<d simultaneously, ' thei-ebv cir.'et!iin llie main object for which the i Imtt.'i-v was used. AVe are pli-ased to be al>le to I suite that the aiTan.L r '-monis which resulted so satisf::ctorilv wery entirely nr.di'r the charge of i the oliicei-N o!" il. -M. (;ai>l. "h". since the works I at Jieii Hill were transferred tothe c!iari;e of the I (Joveriinr of that department, have had the ] entire carryim:out of all opcrat ii.'iis in connection ; therewith." AVe bear tisat the two prisoners ' who. a short time since me! with an accident at : the liill have ([tiite reeo\cred. and are again at i work." i I-'ai.l riira: Tin: I'l.ti'fs. —Yesterday morning ! when the workmen at C'arr's be-at building yard ; came to woi'lc. tliev perceived, as they thought a ! mail Iviiii; a.slee]) on the beach under the elifi's 1 on the opposite side, but iindiiii; that he did not '■ move, tliev took a boar across and then found 1 th-.t it was a man who had fallen from tlie eliil' and had laid on the beach all ni.nht. _ It ap- ■ that he was a di.-cliari;ed private from the' ! I'i'iih. who liaviiiLT been drunk on 'l'hur.-day night I had been I'.revented by the ] olieenian iVom I iroiiiir on the wharf.'and had then struck ofl'by i iiob'-on-strect to the edi.'i-of tlie i-iin'oviT which I he fell. The men at once jrave infonnation to the police, who brought a earl and conveyed the iui!..i-!iii!ati-man tothe Hospital. 3t was found j on examination tliat his fare was frightfully | sinaslie.l. ami the arm and leg. and some of the ! ribs on one M.!e apparently much injured. I Once more this draws atU-nn.jii to the neeessity i so repeatedly urged upon the authorities fora i riiii alonu' tli'c ed:';•<■ oi the ciili'sin the iicighbour- ; hood of Aueiilaml. I; is a necessity that really i should meet witii prompt attention, ami should ! lie insisted upon by the public. ArcKi.ANi) jlaiVmo.vic Siicirrv. — On Thurs- ' (ia\ ne\t the i'uil rehearsal of Jladvn's Oratorio, i lhi- Creation, willl-e rendered at' St. Andrews' I Church. Aiten r..a.1. Admissions will he re- ] practice, open to performing members only, striclcrl lo* tin 1 siibsciibi't's. A full private 'v.ili beheld in St. .Matthew's S.Lool-room on ; l'i!e--ii;!V evening neM. : i'lji.Nc:: of A\"ai.!.s' Tii !atki:. —Tlie state of 1 the weather and I lie filthy nature of the streets le'.is :■•-_ ;:i:isi the places i.il' public amusement.. , -\cvcrlhcie.-s. there was a tolerably fair house , a; the D-un-w ick Hail ia~t iiiuht. to witness the rerlormnm-e , ,Y tin- Honeymoon, and theold la\..uii!e. \"i!ikins and his Dinah. To-night two lieu j ieee:'. " T!:e Factory Girl."' and "• Tuo S-iecire .l!r:..l.'grin-.m." where a j.oor Celh^v hec.imes a g!...»t. in sp.ite of himself, will be performed, and as ihe moon is now helping w;iy- : farers ihrosigh the intricate swamps of the dry, : :: p'od house inv.y be expected. '. TiiAT. il ;:i: is causing the old staid walls of the C>,ld Fellows' .Hall to ring again with .laughter. His new h.eals. the "interceding i .Maoris." has been a decided hit", and this song. toother with the "Chairmanship of the (-'ity ; I'.iard." has put new life into these entertain- : incuts. Thatcher is not likely to remain long, ! and :'.! anv rate we .-'mill lose him tor two nights I next week. :-o those who wish to enjoy his fun ; and satire must "Take him while lie's in the ! liumour i that's just now." 1 Tin-: Jl".;ie yri'-x, in giving the following piece ■ ofiutel'iigence. jiroeiaims it as something marvellous, though thirty miles an hour is not general! v considered bv anv means racing speed in I Knuland :—"An extraordinary match has been ! made, which may be considered one of. the most ■ novel iu the historv'of tile Turf. Sir Joseph j Haulev and the Karl of 'We-tmoreland have i accepted a wager of i'l.'Nlo that tliey transmit a 1 Uy horse and jockey :s>i miles within I the hour, and they are allowed to employ any ' number of horses", and as light jockeys as they j plea>e. It is stipulated that the message must • lie a written one. It will he seen that each i mile will ha\e lo be performed in two minutes, : and considering that the best, I'crln" time re- : corded i> Hliuli Uoimv'.s (2 min. -i-j sees.) and i Kef.'cdnim's (:l min. -Kj sees.) Sir-.Joseph I ilawle.vand fiord Westmoreland will have to I employ some good cattle, bearing in mind the ! ine'v ilalile sti-pages which must occur for change ; of horses and jockeys. One of the backers of lime oilers to lav .to.ooll with the conditioiv of tlti'Ki ibrl'eit. The match is appointed to tome oli'at one of the .Newmarket autumn meetings. Mei;!'V Stati-: ok tiii: Wiiakf. —Some atleni|H should really be made to keep down the accumulation of slush on the Wharf. At pre- | sent only one man is employed for that purpose, ! and he is quite incapable of ellecting any good; ] ami valuable articles such as blankets and dvaI pery goods are landed from the ships into ankle. i depth of mud, and thereby to a great extent ' damaged. The loss of this damage falls upon j the Captains; and one more vexation is added .! to the already experienced want of wharfage ac- ! conimodation at the Port of Auckland, bv the J neglect of a little self-evident necessity, which i really ought never lo have been allowed to bei come a nuisance. ! Tin: following, may lie useful to master marij ners. and is the result t>[' experience as related I bv the <>l,«i<> Dti'ilji 7V/.7C.V.—" AVe believe that every steamer which took passengers to Pieton. took'more or less "stowaways' —those cunning and unprofitable gentry, who take advantage of the crowding and confusion to conceal themselves on board ships, and thus obtain a passage gratis. In most eases the prosecution of these rascals is productive of too much delay and iu-

oonveiiH'iH-e far 1 lie captains to avail themselves of ,| lo law. ami consequently tlie ofl'endcrs are pllottt'il to escape. The following paragraph. '(■■•,,•„ an American paper, will show how our Vuvkec friend* deal wilii tlie evil :—Vessels ;,.-ivi:iL r tlie port <>f Wilmington, it is related. .',..,. subjected ,o M " ingenious tost for the diseo- ,)('' surreptitious passengers. A machine in ,i ; ,.'-l!:r,\- ■■!' a 1:1!'!:o syringe, is filled with some ,' : . .-luteal mixture, known in ifiat locality as the • ,'-:,v;:in:- r compound." Tl\is stuff was vi«»o- - ,ii~'.v p::r.i;vd into every possible or impossible j,' ; ,,...Vhere a pers-vu could lie concealed. AnvV,' t , .i-l.jecied I" its influences in close ouarte'rs siiec.-e .<at or come out. It is s-ii,l 'to l>e a ;.;.:.:..,,. ,-..:-,i;..m;v..1 ot" --:inlc and ; icicle, which .. ~.,.:•,...! >-.;ii mi -la'.:i :n:d live. All p : ,rts h;,d ']~'■. v;- : bui the coal bunkers, and they ... .;.->,- ei.-e'.y packed with of coal that i't ~. ■-.•>.■■"! i::: , . , " — : ' , ' , ' 1"" :ira. much less :i man. ~,-.,. :■, :: '.•lile.l therein. !!n; no: in lTocs (]„', .■; ~ ■•.:!.; an.! otr conies a suppressed ... v-c. > : ::i'-'viy i'oilou cd l>y m vigorous expletive. ]. i ;■,.-•. i:;"i:it-'s ou: comes one then an.ither. ~;; :',,■;:•. .-mv.ht:'.:.' but jolly Putclimen. Mack as ...-.,-. h-uf -m >!:iered. ami sneezin-; wiili a ' •j ~]:. »«e ■;"'«,•;■. >t,.0.l ~n deck. They Merc ..;...,!■, civ i:;keii in and escorted. '/r>'...":< :"..!■ the erection o!" a two roomed i .;•:-,■ i> tec mum:il man at the Manukau ■A..*.'.-. :'■"■' ca'Vd !■•!' l>y the Siiperintendenf. ■ .:,.,'. '■,• r.vei\■,•,! until Saturday next. flic. ii\ ■;. \ * n \;;r.—AYo are h.v>pv to p,-r- ------.,'■'• :.' ;■■..-':>. ;';e Provincial < .'overnmeut '• ■>.■ .;:-.- : .'.c.i a: :': ' c.ei.-hi-t.vi that it is time to ■■.:,i:r'!|:MvVirfr I V,.■',-,::.;:,. and thai they: ".•:•,,- :'..•.■■'-.ii:;-:'y issued an :idver:ise;neiii for : , ■.;•• !' ■ ■::v:-\ piles i.y way .>t' a eomnienceiueiit. ' - .. -i-.-:-.. ■!.- >t:ite. ol this now exceedingly • ~•■:; :vV.v: lc.-.s !..:,- ..a'ded for some improve- I -':::. r i ■-• c ho-.vth-it the u'—d work" once I -..-.: ■..-. •!■ i :: w:l: :\..: to stop until a I v.V.:f :- ;t.'\ i.i-i! worthy { >\ i] io trallic j •■ ■.-. • •■-- ::_- :iiro::_-h Oin-huima. ' i M*v. wr lir\:-s.--We observe that the j < .:• ■■.-.••■■. '■■>-'■'■ ha- advertised that applications i ... ;,; ■■ •:, .-civ.- i :::h;1 noon of I'r.day. ITih ins;., i ■••-.■.. r- :.-«':> are desirous of umlertakin--- ■.: ;v : ; - •■:' at the Man.ikau Mends. ! ■;■ -■.■.::•;.■ - :'.; :':e rate ,>,' Cl>n . ; ; y, : , r . h; s ! .••..■■: :' ;: ' :;■•-«' .mly need apj'ly who are! ■ ■. ■..: ■'. -.v ::'■:■■ ■~ ; : . ->, . ';nc >ij:i:ils. • ;'.. - s: -vT'.'V !o the Kev. .lames \ P.p.. • •■i...;«-:o\\ • h'te oi' (. i iiuiarn. >ck. has been ' .■ ~ :.:.'. ic. 1: c,.iiM.M:ed of a li:!iidso;nc silver >; >. ". ,:._:-::vc 1 .>:i w];irii was the 1". «Ilii\\ , :- ••.■■■.■•,:—•• !':.:s salver and f!.L'-".i>. were: . - :.-•■ : . :■■ : : .e Wcv. Vv-> lessor .lames Morrison. : ;»■'.•;' :-_■•■■*". by a number or" ;Vic:uK. i:i v ' ■■". <■: rich tnenia! urit'ls. varied • . .-.■. ■.-.. -•- ■■:' \v.':'\u- .;':;!!Oo!,v_'y:!:idv:!:.!:-eii :: io!i. < ■ -_ ■-.' . .'.-.-. i Fel'!-;;:'.!".-. I> ,: I." The are ! . v - •- ::• •:.; a '.■■:: -v receive-! th.m !>:-. C:\ia\-U<-a : I. •. : •..■••.,•.':■ ■ '.•■•■lμ...;! ot' the ]'-.-esen;:i: ;.>u : —•• :' ■'.:- ■":-:. !'-•■. i :--'rcc;. L..mi"ii. 2nd Kebv.. > : " : i -haii be u iiil you ;n >;>iv;; |o. ■ ■ \ • '_•'.;. :;:. i i ti'.uc'i regret th:\t i caiia^.r '■■ ":r; y: !:; '■»• ' A hen I wouLl ] !:l ve i.a.i :-'.:.L-~. A'.-l.•■■u-h :li;:--r;:i- v.-ry w i-.h-ly and v-v i-■ •: 1.-i.y --:i -■:!,.• r-.-inls I'r.nii Ilr.NK.rri-' .-■■::..-•■ -.T'lii- talents, at tainnic'a; s. .■!iaractei«. .■ ; ...:-. : •,■-. 1 ;,.>o\ ii;....n hiiM n< a :.i:m who '...- , : : ;:- ; .": -.;ted more than :■{' his coiitein- •• :':.".- t" advance the Common Salvation. ' i ■■::: '..lerabiv t'aiui'iar \\::h :iSi ilie main ■ •:- •■'' 1 'r. M"Vr:-";i s i.rii;!'.t i-areer. I'roin ilie •!■■-• '-!v M , ;:;: !i"W, ami it has cerainiv Lee:. -.-■■.•;•:,■.! a I'oreui.-: man in the Ohun-h ■-■i: :. I :■:..;■! iha; he S.::- l-.v:, a:, h.-uowr 1.. ■■-.■■ --yy.::::-!:. •■..:,aiiki::d. 1 :here- ■ -■■ -'.;-.k ;h:i: :'i.' y>r. —lit tcM;i:i..-.iiial is n..>t •.■7.:-'.t :■.:..i .'■■-:. rei'.e.-: ;!il: credit equally on • • .'' ...■• ■:•. :!.',! ■■;: t!,.'-e who liiairiiilV llie .-, :'!,..,! in ;,:::!. S.. well do 1 think of the : :. .••■ :■. :!.:it 1 dr-ire to Lave a !:::li.l in it. ln.iw- i •-• r ::.«i_:.::ic::::;. I l'e.-i a>M.r.-d that you will ;. • .;,-.,■.,• ;i ;.■; j , :-co:-n. which, although it : •i. ' ■; : i I.;;;.' ;o ;■;,• i.:>h"-l. wiii vet be a source ■' --iV-''. ■■'•■•:! To '.!;••»e who l.ite'ni'd il thither. J' , -.-. ■!..::. T.i:t <!..w:, ii,e JJri'.i-h <inu,Uird ; f- --. "\V..: : :d :!;:■: liii- r-nv.i m-rr iii'iy-t->ld '. ■■■ ... !'•■ -■■ -. : '..l M- :■• ;-r.-".-!'.: :ny ui"M eordi:d j :-_-:r:- :•. i'r. M •■'■:■;-■!:. jii-::s t - 1,-H hilii i | ■■■:■.'.'.:._ :.. ■'..,• ti.f Tiiiiiider oi' j '::i;l of 'l'ar.-us. ■ ■•■.■ l ic.:: _• -;:.! >::i-_-:itiiv itnTea>ed i:is coiitrii'ii- , •■.:'.-'■ i ::■..■'.•..;':,■■ h:;•.)• in.-~s ..fa d-Mrrc-ted World. '-':•■.- •:.■• ' I- d '■:' Ai.raii-im bie-s you :ii! to-nc.r- j T >.... - :■..- ■,'.:■■ -•!!:: I-.- <.t" S.;s i..iar:L pile- | •■••;::■••■■.■•:,• :•■:._'•..- a:.d' '.-:/•■- are j-.-qiiir.-.l liy I : .- .-■.: . ■;:::.-: .;.•!.:- <•• b- ,:,.;i\.-r. ,! in L''i>!,.m j : : ..-.-.•-..••. 'j':.'. -,v...::d -.•!•:;! 1" l.idie::;,- i'.ir- ; ' " ■■■.•■•■,-i..;;- ..;' t'li- l > iii.-ei.'.-M;re''t W'liar!'. | ■''::•■'.; :■■:■■ ■■■■r.-.'.uly is: = i--li Vaiiif'd. it i< t'> ji ,, | .'.,•' 1./s'.'-r'.N.'—We —,■ by an ad- | ' •!-:- "■••!■; ■:' .Mr. Samu. ! (.'nciirau.-'-. that on j •■■.- :::■:. .:.--. ;-7 ..,•,-,-- ~;i tin- \\"::i:.'iiiata. sill- j i'-i- >.■;:.•;,;■ .-ei.-:i..:i. Th- advjr! i-ement slaro | ■ : ■-■• :':■■'.-•:::.■ ~i:"ers many advantages tor •■■•. •■r::i 'ri.;.--. ->i-'i as th.- [..lii-r. bnckmak.T. :c..i mm :.-, ; :. i..;-. ;.,,,[ j, alt'>:_'i.-tlkt a dcMrablc i r "' s 'Try. I