WESTERN LIFE ASSURANCE AND ANNUITY SOCIETY.

3. PARLIAMENT STREET, LONDON.

Founded A.D. 1842.

Directors.

H. E. Bicknell, Esq.
T. S. Cocks, Jun. Esq., M.P.
G. H. Drew, Esq.
W. Evans, Esq.
W. Freeman, Esq.
F. Fuller, Esq.
J. H. Goodhart, Esq. 		T. Grissell, Esq.
J. Hunt, Esq.
J. A. Lethbridge, Esq.
E. Lucas, Esq.
J. Lys Seager, Esq.
J. B. White, Esq.
J. Carter Wood, Esq.

Trustees.—W. Whateley, Esq., Q.C.; George Drew, Esq.,
T. Grissell, Esq.
Physician.—William Rich. Basham, M.D.
Bankers.—Messrs. Cocks, Biddulph, and Co., Charing Cross.

VALUABLE PRIVILEGE.

POLICIES effected in this Office do not become void through temporary difficulty in paying a Premium, as permission is given upon application to suspend the payment at interest, according to the conditions detailed in the Prospectus.

Specimens of Rates of Premium for Assuring 100l., with a Share in three-fourths of the Profits:—

Age£s.d.Age£s.d.
171144 322108
221188 372186
27245 42382

ARTHUR SCRATCHLEY, M.A., F.R.A.S., Actuary.

Now ready, price 10s. 6d., Second Edition, with material additions, INDUSTRIAL INVESTMENT and EMIGRATION: being a TREATISE ON BENEFIT BUILDING SOCIETIES, and on the General Principles of Land Investment, exemplified in the Cases of Freehold Land Societies, Building Companies, &c. With a Mathematical Appendix on Compound Interest and Life Assurance. By ARTHUR SCRATCHLEY, M.A., Actuary to the Western Life Assurance Society, 3. Parliament Street, London.

POLICY HOLDERS in other COMPANIES, and intending Assurers generally, are invited to examine the Rates. Principles, and Progress of the SCOTTISH PROVIDENT INSTITUTION, the only Society in which the Advantages of Mutual Assurance can be secured by moderate Premiums. Established 1837. Number of Policies issued 6,400, assuring upwards of Two and a Half Millions.

Full Reports and every Information had (Free) on Application.

*** Policies are now issued Free of Stamp Duty and attention is invited to the circumstance that Premiums payable for Life Assurance are now allowed as a Deduction from Income in the Returns for Income Tax.

GEORGE GRANT. Resident Sec. London Branch, 12. Moorgate Street.

BENNETT'S MODEL WATCH, as shown at the GREAT EXHIBITION, No. 1. Class X., in Gold and Silver Cases, in five qualities, and adapted to all Climates, may now be had at the MANUFACTORY, 65. CHEAPSIDE. Superior Gold London-made Patent Levers, 17, 15, and 12 guineas. Ditto, in Silver Cases, 8, 6, and 4 guineas. First-rate Geneva levers, in Gold Cases, 12, 10 and 8 guineas. Ditto in Silver Cases, 8, 6, and 5 guineas. Superior Lever, with Chronometer Balance, Gold, 27, 23, and 19 guineas. Bennett's Pocket Chronometer, Gold, 50 guineas; Silver 40 guineas. Every Watch skilfully examined, timed, and its performance guaranteed. Barometers, 2l., 3l., and 4l. Thermometers from 1s. each.

BENNETT. Watch, Clock, and Instrument Maker to the Royal Observatory, the Board of Ordnance, the Admiralty, and the Queen,

65. CHEAPSIDE.

XYLO-IODIDE OF SILVER, exclusively used at all the Photographic Establishments.—The superiority of this preparation is now universally acknowledged. Testimonials from the best Photographers and principal scientific men of the day, warrant the assertion, that hitherto no preparation has been discovered which produces uniformly such perfect pictures, combined with the greatest rapidity of action. In all cases where a quantity is required, the two solutions may be had at Wholesale price in separate Bottles, in which state it may be kept for years, and Exported to any Climate. Full instructions for use.

Caution.—Each Bottle is Stamped with a Red Label bearing my name, RICHARD W. THOMAS, Chemist, 10. Pall Mall, to counterfeit which is felony.

CYANOGEN SOAP: for removing all kinds of Photographic Stains. The Genuine is made only by the Inventor, and is secured with a Red Label bearing this Signature and Address, RICHARD W. THOMAS, CHEMIST, 10. PALL MALL Manufacturer of Pure Photographic Chemicals: and may be procured of all respectable Chemists, in Pots at 1s., 2s., and 3s. 6d. each, through MESSRS. EDWARDS, 67. St. Paul's Churchyard, and MESSRS. BARCLAY & CO., 95. Farringdon Street, Wholesale Agents.

PHOTOGRAPHY.—HORNE & CO.'s Iodized Collodion, for obtaining Instantaneous Views, and Portraits in from three to thirty seconds, according to light.

Portraits obtained by the above, for delicacy of detail rival the choicest Daguerreotypes, specimens of which may be seen at their Establishment.

Also every description of Apparatus, Chemicals, &c. &c. used in this beautiful Art.-123. and 121. Newgate Street.

PHOTOGRAPHIC CAMERAS—OTTEWILL'S REGISTERED DOUBLE-BODIED FOLDING CAMERA, is superior to every other form of Camera, for the Photographic Tourist, from its capability of Elongation or Contraction to any Focal Adjustment, its Portability, and its adaptation for taking either Views or Portraits.—The Trade supplied.

Every Description of Camera, or Slides, Tripod Stands, Printings Frames, &c., may be obtained at his MANUFACTORY, Charlotte Terrace, Barnsbury Road, Islington.

New Inventions, Models, &c., made to order or from Drawings.

IMPROVEMENT IN COLLODION.-J. B. HOCKIN CO., Chemists, 289. Strand, have, by an improved mode of Iodizing succeeded in producing a Collodion equal, they may say superior, in sensitiveness and density of Negative, to any other hitherto published; without diminishing the keeping properties and appreciation of half tint for which their manufacture leas been esteemed.

Apparatus, pure Chemicals, and all the requirements for the practice of Photography. Instruction in the Art.

THE COLLODION AND POSITIVE PAPER PROCESS. By J. B. HOCKIN. Price 1s., per Post, 1s. 2d.

PHOTOGRAPHY.

A COMPLETE SET OF APPARATUS for 4l. 4s., containing an Expanding Camera, with warranted Double Achromatic Adjusting Lenses, a Portable Stand, Pressure Frame, Levelling Stand, and Baths, complete.

PORTRAIT LENSES of double Achromatic combination, from 1l. 12s. 6d.

LANDSCAPE LENSES, with Rack Adjustment, from 25s.

A GUIDE to the Practice of this interesting Art, 1s., by post free, 1s. 6d.

French Polished MAHOGANY STEREOSCOPES, from 10s. 6d. A large assortment of STEREOSCOPIC PICTURES for the same in Daguerreotype, Calotype, or Albumen, at equally low prices.

ACHROMATIC MICROSCOPES.

Beautifully finished ACHROMATIC MICROSCOPE, with all the latest improvements and apparatus, complete from 3l. 15s., at

C. BAKER'S, Optical and Mathematical Instrument Warehouse, 244. High Holborn (opposite Day & Martin's).

ALLEN'S ILLUSTRATED CATALOGUE, containing Size, Price and Description of upwards of 100 articles consisting of

PORTMANTEAUS, TRAVELLING-BAGS

Ladies' Portmanteaus,

DESPATCH-BOXES, WRITING-DESKS, DRESSING-CASES and other travelling requisites, Gratis on application or sent free by Post on receipt of Two Stamps.

MESSRS. ALLEN'S registered Despatch-box and Writing-desk, their Travelling-bag with the opening as large as the bag, and the new Portmanteau containing four compartments, are undoubtedly the best articles of the kind ever produced.

J. W. & T. ALLEN, 18. & 22. West Strand.

HEAL & SON'S EIDER DOWN QUILT is the warmest, the lightest and the most elegant Covering for the Bed, the Couch, or the Carriage; and for Invalids, its comfort cannot be too highly appreciated. It is made in Three Varieties, of which a large Assortment can be seen at their Establishment. List of Prices of the above, together with the Catalogue of Bedsteads, sent Free by Post.

HEAL & SON, Bedstead and Bedding Manufacturers, 196. Tottenham Court Road.

PRINCE OF WALES'S SKETCH-BOX.—Containing Colours Pencils, &c., with printed directions, as now used by the Royal Family. Price 5s.

MILLER'S, Artist's Colour Manufacturer, 56. Long Acre, London and at her Majesty's Steam Colour and Pencil Works, Pimlico.

SCIENTIFIC RECREATION FOR YOUTH—EXPERIMENTAL CHEMISTRY

AMUSEMENT FOR LONG EVENINGS, by means of STATHAM'S Chemical Cabinets and Portable Laboratories, 5s. 6d., 7s. 6d., 10s. 6d., 21s., 31s. 6d., 42s., 63s., and upwards. Book of Experiments, 6d. "Illustrated Descriptive Catalogue" forwarded Free for Stamp.

WILLIAM E. STATHAM, Operative Chemist, 29c. Rotherfield Street, Islington, London, and of Chemists and Opticians everywhere.

DO YOU BRUISE YOUR OATS YET? New Oat Crushers, 2l. 15s. 6d., ditto 2l. 5s. 6d. Chaff Cutters 1l. 7s. 6d., ditto 2l. 19s. 6d., Mangles, 2l. 10s. 6d.; Flour Mills, 4l. 10s 6d.

MARY WEDLAKE & CO., 118. Fenchurch Street.

SPECTACLES.—Every Description of SPECTACLES and EYE-GLASSES for the Assistance of Vision, adapted by means of Smee's Optometer: that being the only correct method of determining the exact focus of the Lenses required, and of preventing injury to the sight by the use of improper Glasses.

BLAND & LONG, Opticians, 153. Fleet Street, London.