THE AUSTRALIAN MUTUAL PROVI DENT SOCIETY.

Of all the schemes which human wisdom and philan thropy have devised, that of Life Assurance is, undoubtedly, the noblest. There is no other which possesses the means for the accomplishment of so much good, and the bestowal of so much unosten tatious charity, and whose operations are so far removed from the taint of selfishness, starting at a period distinguished by the absence of all reliable data on which to rear its fabric, and opposed, as all novel and untried schemes are, by the blindness of prejudice, Life Assurance has Steadily pursued its course, surmounting all obstacles, and expanding its operations at every stride, until it has established itself on the broadest and firmest possible basis, and has made its benefits felt in every ramification of society. True, the pages of its history are tarnished by some dark spots, notably the late disastrous failures of the Albert and European offices, and although no excuse can be offered in extenuation of the shameless unscrupulousness which distinguished 2,1^1- A'Twiagement of these companies; yet, as the

~ n clock >%-he Ist March, 1572, remarks on this sub- IVr £ v \u' .lV^<^it affects one side of the picture only ; and if jeot- _..,■, out consider the matter temperately and we^Jfeionately, we shall soon have her minds dis abused of the idea that Life Assurance, as such, is in any degree responsible for the opprobrium our dis credit which the events we have referred to have reflected upon it. The actual fact, is, indeed, far otherwise, and these disasters and misfortunes which of late have occupied so great a share of attention are but the legitimate offspring of a eareev of vicious management, profuse expenditure, and open violation of the first principles of actuarial science, of which it in difficult to speak in measured terms." With the invaluable uiJ of the experience of many years, acquired in almost all countries of the civilised globed and among all classes of the community, and l>y this application of scientific knowledge, tho'development of which is mainly due to the existence of lif>; offices the value of their risks and contingencies can be ascertained with an accuracy that is unimpeachable The Principal Office of the Australian Mutual Provident Society is situated in New Pitt-street As this is a purely Colonial institution, and one in which a great number r.f colonists have a large stake, a few facts concerning its rise and progress may be'found both interesting and instructive to our readers. At a meeting of the Provisional Committee, held at 487 treorge-street, on the loth December, 1848, the first isoarcl of Directors was appointed, and consisted of i>lr Archibald Michie (Chairman), Mr T, W Smart (Deputy - Chairman), Mr Thomas Holti Mr Frederick JSbsworth, Mr David Jones, and Mr M. E. Murnin. Little could these gentlemen have thought that their infant structure, starting without any capital but the energy of its promoters, and depending entirely for support on the provident habits of the community, would, in twenty-three years, have risen to the rank of first among Colonial institutions, and become one of the most successful Life Assurance offices in the world ; and when, at tlie end of the first year of its existence, its receipts •were found to be £268 Gs 3d, the most sanguine could ! scarcely have pictured it with an accumulated fund of nearly ,€1,000,000 sterling, and an annual income of nearly a quarter a million. Yet, such is the case now. There is scarcely an instance in the history of life assurance of an otlice which has been so nniforiulv successful, or which has risen to such a commanding position in so short a time. Since its establishment this society has paid away, in claims, a sum of about £200,000, and has returned to its members casli bonuses, arising out of the profits of its transactions amounting to about £185,000. These are startling results when viewed merely in the light of commercial transactions, but when we consider the channels through which these sums have passed, to what an extent they have been employed in removing the obstacles which crowd the downward path of life, and in averting dependence on the cold charity of the world, our wonderment and admiration are'indeed challenged. The following table shews the position of the A.M.P. Society as compared with the principal Mutual and Proprietary Offices in the United Kingdom. The figures are taken from the official returns furnished to the Registrar of Joint Stock Companies, and are to be found in the Ikvit v: of Ist March, 1572 :— '■£ » O O W IN O ■3_! Z* ■+ ■•>• © 5 M c 3 °" '-" jr '"■ S £" 5^ of ■* » i-T i-T 10 © <M C-. 1- -.2 i rt 2 in e> e> t-i i» rj | j PS ~ O O $1 iA If? O^ i "So cT ■* n »"' cT w — S SO O O <N 5S & I "Jo 00 O --S '3 S l £ \ S S S 2 rt i—( © CO rH CO -*2 C^ ID Z^ 1— Ct t.~ O rH H ±% 3? *■- *5 - S s o ~ » » I- i- i-J, I-; ( A~?t ?i S ?i « ?: ' I oj m i- cs « -c a 2 bo -■-. » ■*■ as S O* O* rw ?f -' © : « £ i— O '/) >-l I- ""5 g S co c-. r-<_ o vj w " O O O O M I>l g - c- 3 * '■ o " 3 9 £ __ £ rt rt ~l_ _fl * O « ..-. .- 'X, C. ! I C 3 O >-H Cl ~O -* >"f< ' ■g sj w ~/j w OD trj ~~ ' || : : "™ : : ! s ill : : : 5 i ;i-C 1 1 i ! s I'l 1 'a ! II«" i-1 i I I I £ 3.. ,■§ 3 .a J 003 3 g = « __m y- x Q < Of these offices the Scottish Widows' Fund, the Scottish Provident, and the Australian Mutual Pro vident Society are canducted on the mutual principle ; the others not being so, include their paid up capital in the Accumulated Fund. From the above table it will be seen that while the Australian Mutual Provident Society is the youngest office of the group, its new premium revenue (which is the most valuable evidence of prosperity, and without which no office can enjoy continuous" prosperity) is second only to that of the Standard. The Australian Mutual Providence Society has on several occasions been made the subject of the highest eulogies from the most eminent authorities in England. In noticing the twenty-first Annual Keport, the Kcricvs saysi:— . "The rate of expenditure, including commissions and all other charges, does not exceed 11 per cent, of the income The present position of the Australian Mutual Provident, with its clearness of accounts, vigour of management, and economy in expenditure, seems to us to be most creditable to all who have been concerned in bringing it to its present prosperous ! state " The Inmvranee Record, of the 3rd December, j 1800, commenting on the Quinquennial Keport of the : Society says:—"From the clear and intelligible, manner in which the whole of the affairs of the Society | are set forth we are enabled almost at a glance to j judge of the progress and present position of the ■ ' The low rate of expenditure at which the business of j the Society is conducted—rarely exceeding 11 per cent of the income (thus leaving a large margin of prolit | from loading), contrasts favourably with the cost oi management incurred by many leading English offices. This economy is more remarkable when we consider that the entire cost of new business, which is met at its introduction by a single commuted commission. IS comprised in this charge. In the accounts of English offices the item of commission is not included in "expenses of "management." Previous to the publication of the elaborate Report of the Fourth Quinquennial Investigation an erroneous | opinion existed among members, to the erlect that acquaintance with the affairs of the Society, and with the principles on which its liabilities were estimated was only to be obtained by struggling through a labyrintli of mathematical formulas and scientific mystification utterly incomprehensible to the uninitiated. Lut the exhaustive report of the Actuary has so thoroughly laid bare the transactions of the Society, so clearly indicated its position, that this misapprehension is entirely removed. The relation which exists between the policy holder and the office may be stated thus :— The policy holder contracts to pay to the office an annual sum by wry of premium, and the present | value of all these payments (i.e., the present value of an annuity equal to the amount of the annual pre mium on his life) is the measure of his indebtedness to the olli 1 n the other hand the office undertakes [ to pay al\ fta.V° SUI" on the death of the policy holder j to his !*^:-^.uetß> an<l tlie l)resent value of this ' sum is2E^ "i a #«'• indebtedness of the oflico to i the nj^^Sr^^T^c^^erenco between these two : m (..,,.,5Z5l^ 10' "v /tpffneas is (he actual value of the IJi J»-ife^MiMfl(f"TKTsility of the office in respect of such ■ pomSy". >ic.-mvning this demonstration to be suf- j llcientlv explicit, it will be seen, on reference to page 37 col. 9 of the Quinquennial Keport, that the total indebtednes of the policy holders in the- Assurance j branch was £1,248,358 14s Cd., and that of the Office \ (col 7) £1 012,704 9s 7(1; the difference, or £:!C4,:i45 : Ws Id increased by £5,088 (adjustment for claims . liavable three months after death and climatic risk's) in till £309,433 15s Id, represented the liability of the ofliee in respect of its Assurance policies, or, in other words if the total assets of the Assurance branch amounted to £309,43315s Id, it would just be solvent. But in turning to page 31 of the Keport, it will be seen that the assets there shewn amount to j-'V'fi 901 Us 2d or (after deducting £14,029 14s od., on account of claims admitted but not paid) £163,437 10s 8d in excess of the amount required to meet its contin gentliability. This amouir, then, represents realised pro lit and it does not include my part of the fund or future expenses and profit, for, on reference to page 37 (col. 0) it will be seen that the Society has an annual income from loaning of ,t29,6f»8 is sd, the present , value which is (col. 10) £418,251 10s 2d, for the purpose of defraying the fiture expenses, and pro- I viding for future bonuses.

It is a fpoint [of the utmost importance that no profit shall be taken into account but what has been actually earned."

Much misapprehension has been engendered by attempts on the part of the Press to propound short rules for testing the stability of an assurance otlice, and one which was advanced in the Saturday Purinr was notably fallacious and misleading. In reviewing the " short rule" published iv that paper, a writer in the Assurance Ret ord of sth November, 1809, says : - Many of our contemporaries have been trying to explain that an oiiice should have in hand assets equal to a certain fixed number of years' purchase of their premium income, and a writer in a high-class weekly contemporary exhibits the grossest ignorance of the principles of LifeAssmance.'' And after giving illustration of the absurdity of tho rule, remarks : -

, ' What, then, arc we to say of eight years' premium income, a); which the said contemporary has placed the solvency of an otlice? Can the idea be entertained for one moment that a company cannot be solvent unless it has a fixed number of years" premium income on hand/ If so, then an office which is the least success ful would show the best account, which is a rednrtio ad ahmnlaii). It will thus be seen that the propor tion of assets to premium income tan be no criterion to go upon in judging of the stability of an office." " In any enquiry into the financial position of a company recourse must naturally be had to the balance-sheet and cash account, for it is only by such means that any satisfactory conclusions can be arrived at."

And as tested by such statements of accounts, competent authorities have pro:imjncod " the position of the Australian Mutual Provident Society to be eminently satisfactory, and deserving of all support." With respect to the investments of the Society we have the assurance of the Chairman at the last animal meeting that "the balance of receipts over disbursements for tlie year has added £14«,C52 10s lid to the accumulated fund, which now amounts very nearly to one million sterling. The investments of the society represented by this sum your directors believe to be unquestionable. On the loans on mort gage, amounting in the aggregate to about £330,000, your directors do not anticipate any further losses than the amounts written off prior to Iho last quin quennial division. The greater number of these mortgages are under table F, which involving a gradual liquidation of principal as well as payment of interest enhances annually the margin of security for balance of tlie debt.' As no losses have been in curred on investments since the commencement of the present quinquennium, the account for Profit and Loss does not re-appear up to this date. In the disposal of its funds the Directors have en deavoured to localize the Society in all the colonies by investing its revenue at the places from which its business is obtained. A reference the last Annual Keport will shew that it has the following amounts mi i vested in the public funds of the colony :■ - Queensland £178,057 15 0 New Zealand .. • 03,950 0 0 New South Wales 81,059 0 0 Tasmania 2i;,700 0 0 South Australia lii.soo 0 0 "Whilst in Victoria alone upwards of iSO,OOO is ad vanced under mortgage. The Society generously allows members to borrow money on the security of their policies, and thus gives them the means of relieving any temporary embarrass ment, such as the inability to pay a premium from which they may suffer. To such an extent have the members availed themselves of this privilege that the sum of £80,-140 Us 10(1 has been advanced in this way. Of course the largest item of investment is Loans on Mortgage, amounting to £330,101 14s flcl, and to which allusion has already been made. Since the establishment of this Society many im provements in the principles and practice of life assurance have been made, and more reliable data on which to base the investigation of tlie position of life offices, have been obtained. In order to keep pace with the progress, and to meet all the requirements of the times, the Directors propose shortly to ask the consent of the members to the introduction of the most modern improvements and liberal conditions consistent with the safety of tlie Society and the interests of members. The Society will then take its place in the ranks of the most liberal, as it does at present in those of the most secure and successful ollices in the world, and will, we predict, be a lasting monument to attest the wisdom and energy of its pro moters, and the prudence and forethought of the Australian people. With the view of ensuring efficiency in the conduct of its business the Society ha.-> Branch Offices, with Local Boards of Directors in the following colonies :-■ Victoria,:»"), Queen-street, Melbourne. New Zealand, (irey street, Wellington. South Australia., :iT, King William-street, Adelaide. Together with AdIiNC'IES in Tasmania-- at Hob.,rt Town, and Launceston, and all the principal towns throughout Australia and New Zealand. j

STAINES' LAMENT.

Tune: — "dee up. Neddy.

Once more I'm the city's rejected ! In the Council 1 ain't got a foot, Again 1 am " plucked" non-elected, After spending such lashings of utu !

My uncle the news will sot weeping When my next letter home full relates, Myself indeed cannot help greeting Having been so well jockied by Scales ! Oh ! dark day thou twelfth of September Which places on record a lioll That ages to come may remember Ceoifee Staines was the last on the poll!

Who'll now see the rates are doled canny ! Not spent in " infernilext" lumps, AVho'll champion poor " Billy" and " Nanny, And, oh ! who'll look after the pumps !

But its no use to fret—so my honey Come along you, Jack, Harry and 15ill ! I'll shout a small part of the money I nibbled from dear Cheap John's will. 11. B. T.

MAP OF COROMANDEL.

THOSE interested in the Coromanclel gol<l field will be pleased to learn that a large and beautiful map of that district lias just been published by Mr Wayte. It has been compiled from the Government plans by Mr H. Kisher, and contains the whole of that goldfield, together with the harbour, pro montories, etc. It is on a very extensive scale, embracing from the Tokatea heights to those of the Tiki district, and from the Beach claims and Preece's Point back to the ranges. It shows the position of all the claims, together with the streets of Kapanga, etc., and is not only an ornamental production for an office but of the utmost value to every one interested in Coroinandel stock or in the development of that rising district. It has been lithographed with char acteristic care and neatness at the Herald olHce. The size is sixty-six inches by forty four, mounted on holland, and the cost is twenty shillings.

COURT CHAT.

The sketch which you gave of the late Earl of Ellenborough at the time of that nobleman's death was accompanied by an account of the singular adventures of hi 3 divorced wife, which some of your readers may probably have regarded as exag gerated or high colored. It was indeed a most strange and eventful history, but it ! was nevertheless strictly true, and affords one among many proofs that truth is not unfrequently stranger than fiction. I have just met with a gentleman recently "returned from Syria who happened acci dentally to mention that he had fallen in with tlie ex-Countess in the course of his travels • and he has not only confirmed the accuracy of your sketch of her career, but added a number of curious and most in teresting details respecting the erring and unhappy lady which, as supplementary to and completing your account of her story, will I am sure, be not unacceptable to your readers My informant assured me that when Lady Ellcnborough's guilt was first made known to her husband by her own confession his lordship was anxious, both for personal and public reasons, that the scandal should be hushed up. He ac cordingly sent the countess down to his country seat under the care of a strict and vigilant elderly servant, very different from tho accom modaiing lady's maid who had hitherto waited on her. The unhappy lady, amid the seclusion and solitude of her new residence, became excited almost to madness, She was determined to make

I her escape that she might join her para mour as he had ordered her to do. Find ing her keeper as incorruptible as ylie was vigilant, Lady Ellenhborongh contrived to make her take a dose of laudanum, I which was fortunately so powerful as to defeat its end, otherwise it might have imperilled her life. She had no j money but she had in her pos session some valuable jewels which she wore on the night when she was sent away from her husband's residence in town, and these she forwarded to her London jeweller, who sent her in return the sum of £300. Thus provided with funds she made her escape from her place of con finement and succeeded in reaching a seaport on the southwest coast. Entirely j ignorant of the value of money, she gave £200 to the captain of a small coasting vessel to convey her to France. But while waiting on the quay she was seen and recognized by one of Lord Ellen borough's servants, and apprehensive that she might be delained and forcibly carried back to his lordship's mansion she hastened into the seaport town, and took her seat in a coach which was just on the point of" starting for London. On reaching the metropolis she called a hackney coach, and requested that she should be driven to some convenient hotel. The coachman, who no doubt thought that a lady of her appearance, unaccompanied by any rela tion or attendant, could be no belter than she should be, drove her to a well known tavern the Strand—not of the best re putation — which in these days figured not unfrequently in cases of divorce She lost no time in sending notice of her arri val to Lord Palmers ton, feir George Paget her cousin, and lo another gentleman also of high standing, whose name has escaped my recollection. In the course of an hour all three were at her side. They reasoned and remonstrated with the un happy woman, but in vain; and at length as she obstinately refused to return to her husband's roof, or to oiler any opposition to his suit for a divorce, they were obliged with sorrowful hearts to let her go. She then proceeded to the Continent as you mention, and passed through the various adventures you have described. Hut it appears that after her separation from the Bavarian baron, her second husband, she was again married and divorced in Italy once, at least if not oftencr. But now comes the strangest incident of all. On proceeding to the Kast, where you seem to have lost sight of her, she married the Sheikh of Arab tribe—not the principal chief, however, but his brother, a person ot inferior importance and position— " Jock, the laird's brother," as my in formant expressed it, with whom she is still living under the assumed tille of Lady Digby. Her husband is a poor creature as regards intellect and education, as well as influence, and can talk on two subjects only —horses and guns—but he is very proud of his wife. Her winter residence is in Damascus, where she occupies a splendid mansion. In summer she ac companies the tribe to the desert where their flocks and herds are pastured. She is a constant attendant at the chapel of the American Mission iv Damascus, and is most liberal in her contributions to all benevolent objects. Her life is not only blameless but exemplary, and the Ameri can chaplain and other friends who know her well all believe that her character has undergone an entire change. Her beha vior undoubtedly gives credibility to their charitable opinion. Strange to say, when my informant last saw the lady who was once the consort of one of England's proudest earls', and is now the wile of a Bedouin chief, she was listening with marked attention to a powerful sermon preached by one of your fellow citizens, Professor Eadie. I question if among all the vicissitudes recorded in the history of the British peerage there is one. so strange and romantic as those which have occurred in th experience of this daughter of the old sea captain, Admiral Digby. ■ — Correspondent Glasgow Mail.

We are informed that the I!ev. ('. K. Lloyd will hold service in Trinity Church, North Shore, to-morrow morning, and the Yen. Archdeacon Mauusell in the evening at the usual hours.

TOT EVENING STAB, SATUKBAY SEPTEMBER 14, 1872.



Late Advertisements. ' TO BRICKLAYERS rpENTJEKS are invited for the JL Erection of a large Shop, in Durham-street (labour only). Plans can be see:i at A. Mackibh, Coach factory, xintil WEDNESDAY, the 18th instant. A. MA.CKIE. Durham street Auckland. KE-OV E N E D , DUSSELL'S DINING EOOMS, WELLESLKY -STR EE T EA S T (Opposite Golden Crown Brewery). BKEAKFAST, DINNER, AND TEA, Gu, E A 0 H . AT ALL HOUES. TO LET, a House of seven apart ments in Hardinge street; frontage to the harbour.— Apply to Mr Thomas Craig, next door. WASHING- MADE EASY AND ECONOMY IN LIGHT. J. ALLENDEE, SOAP AND CANDLE MANTJ FACXCJUEK, PARNELL, AUCKLAND, Begs to call the attention of the Trade and the public in general to his various brands of SOAP, which for excellence of (iuality cannot be surpassed. > Household Soap, a good cheap Soap, \ 0 2 ~ a superior quality Soap, Ai' ~ being the best Soap made, and should be in every family, as its washing qualities are really Al, and for durability is unequalled. ASK FOll ALLENDEE'S Al SOAP, And see that you get it, as one trial will be enough to secure its constant use. S O V T SOAP ' Is also manufactured on the premises, which for [ machinery, wool-washing, etc., is equal in quality to the imported article. ALLENDEE'S PURIFIED MOULD CANDLES Are admitted by all to be the best in the market, and are guaranteed to burn longer than sperm : To accommodate customers lie has taken an Office , in Fort street, next door to Messrs. S. COOHEANE and Son's Auction Mart, where orders can be left, which will have prompt attention. ■ ; PAENELL STEAM SOAP & CANDLE WOEKS, 12th September, 1872,



LOST, a Sable Boa, between Cook street and Upper liueeii-street.— Any one returning the same to :>7, W'yn.lham - street, will receive ton shillings reward. "Li O E WAN GAN V I. "V «. g 1 The W..S. Co.'s s.s. Msj&&t St. Kilda, -ZsmsKxlr^te' Captaix FimvKKMv, will leave the Wharf, Onehunga, for the above Port, on MON DAY, lUth September, at Ten a.m. CEUICKSHANK & CO., Agents, Auckland ; Or. A. BAKNES, Onehunga. LAKE TAKAPUNA. A SMALL HOMESTEAD -ljL of live acres of the richest volcanic soil, in a high state of cultivation, situate opposite St. Mary's College and close to the Lake, for Sr.le for £IGO. Terms easy—Oliver Mays, House and Land Agent, Post-oflice Stores, Devonport. Wanted. WANTED to Sell at a bargain, a Set of Tans and Dies, }tol T , complete.— James McKwen, Custom-house street. WANTED, a Smart Youth—Apply at the onice of this paper. C Alt TING SCO 11IA, WANTED, Tenders for Carting Scoria Stones for about sixteen chains of i walling near Royal Oak, Onehunga. For particulars apply to Mr Rowesj, One-tree Hill farm. WANTED KNO WN, One ' Thousand Ladies' Straw Hats for Is, at J. Cosgrave and Cos. WA NT ED KNO WN, Five Hundred Pieces of Gray Calico, at 3J pur yard.— .T. G'O3grave and Cos. j WANTED KNOWN, that Hold ship & Co., Wholesale and Retail Timber Merchants and Manufacturers, execute orders with despatch, and at the lowest, possible prices, from any of their establishments. Mead Oliice : Saw Mill and Timber Yards, Custom house street, Auckland Sash, Door, and Moulding Factory, Newton Saw Mill and Timber Yard, Beach, Grahamstown Timber Yard, Coromamlel Saw Mill, Wliangwoa Harbour, convenient for all ports and deep water for loading- T> UR E Brahma Pootras ; dark ■*- variety. Eggs for setting from imported stock. - So mkitvi [, i. v , (irocer, Queen street. - The superiority of this breed over every other imported into this coluiiy is fully established ; unrivalled as ! winter layers. ! WANTED to Sell, Second-hand Sewing Machine?, at the fitting Shop, Vulcan lane. A Simpson Doublu-uction Tailor's Machine, or for light leather work ; a Paragon (Scotch made) Tailor's Machine : a Wheeler and Wilson and other .Machines in first-class order. Repairs done. ANTED, a General Servant.— Apply to Mr. Eandow.v, liaker, Queen street. 'VrTANTED, a firet-elfisa General t t Printer : none but those acquainted with every branch of the business need apply. To one possessing the required qualifications ' beral wages and constant employment will be given.--Apply tkming Shir, Thames. WANTED, Curry Powder Bottles, large and small sizes: liberal price given.— Apply Mills' store, Victoria street. WANTED KNOWN, that the undersigned has on sale a large stock of well assorted Timber, Planed, Tongned and Grooved : also rough, in first and second-class. Timber yards • Custom house street: and the Shed H'eakwater Road. For further particulars apply to Mr. Ueop.iie Gilciirtsi' ; or ('. A. FTaicuis. Auckland, September 0, lHri. WANTED KNOWN, the cheapest, the most extersive, and the greatest variety of Men's and Boys' Clothing in New Zealand atJ. Cosgrave & Cos. | Bricks, Lime, Sand, Shells, and Tiles \ WANTED, Purchasers for the ! above. Sold and delivered at the lowest , atcs from the yard at the Firewood Wharf. Con- , tractors liberally dealt with. 100,000 P.iicks guaran- j teed to be always on hand. All orders to be addressed j to W. Kir.iiv,"junction of Queen and Grey streets. Sole agent for the "W'hau bookmakers. WANTD KNOWN, Largest Stock of Crimean, Silk, and White Dress Shirts In Auckland to choose from.—J. Cosgrave and Co. WA NTE D, Purchasers of the | Newest Style Black Silk Velvet Jackets, j Waterproof Cloaks, and Millinery, at Cost Price, at j 11. W. Dyson s, 220, Queen street, who must clear oiv} to make room for the new tenant. itST Opposite the United Service Hotel. WANTED KNOWN, a Large Stock of Ladies' Black Cloth Mantles, to be disposed of at half price.—J. Cosfcravo and Co.. WANTED KNOWN, that D. fJOLDIE is prepared to supply all kinds of Timber and other Building Materials, including Sashes Doors, Mouldings, Broad Timber, lfouseblocks, Posts, Rails, Hardwood Felloes, Shafts, Iron Bark, and ■ Blue Gum Laths, Shingles, .tc, &c, at the lowest market prices, at his Yards, Custom-house street. WANTED, Visitors from the Conn- , try to call at R. AY. Dyson's, 220, Queen street and secure some of the Unheard-of Bargains in , Drapery, Clothing, Hats, Caps, etc., etc., which must j bo cleared in a few weeks as the premises are let to another tenant. ' Observe : It. AY. Dyson, 220, Queen street, corner of Wellesloy trcet, opposite United Service Hotel. \ WANTED KNOWN, the Most Extensive Variety in Cent's Hats, just opened, at J. Cosgiave and Co. WANTED the Parents of Auckland to know that Mr T,r. \ bazon is the only Ist Class Certificated Teacher in town, and that his pupils are Uie only ones taught to work Practice, Interest, and ■fractions, by seven or eight different methods. Time will prove. "Address :—Union street. Merchandise. AN SALE BY THE UNDER- V./ SIGNED— 25 Mats New Dates. G-. W. BINNET. ON SALE BY THE UNDER SIGNED— Ariuved and to Aiuixve, Ex Fiery Cross, Wave, Pakeba, Harriet Armytage, and Maid of Judah, 2,700 bags Oats 500 bags Meek's Flour, in 2001b and 501b baj,s 500 bags Anderson and Mowatt's Flour, in 200il> and 5011> bags 700 bags Anderson's Flour, in 2001b and 501b bags 500 bags Bran 20 cases McConrell's Hams ard Bacon 25 cases Gilmour's Hams and Bacon 500 bags Cantovbmy Fiouv, 1001b and 2001b 200 bags Canterbury Malt 2.-50 bags Sydney Maize IGO bags Anderson and Mowatt's Oatmeal 50 bags Peavl Barley To Arrive ex AVilliam Prowse, 150 tons Potatoes 200 sacks Malt Ex-Jane, Hops (Tasmanlan) Jaws and Tart Fruits '(Peak's, Peacock's, Hawkins', and Wilson's. Gc, W. BINNEY.



Mining. WHITE HOSE GOLDMINING COM PANY (Registered). NOTICE is hereby given to the undermentioned Shareholders that unless the Calls due by them respectively on the Shares set against their names hereunrter be paid, together with interests and expenses, at the Company's oltiee, Queen street, Auckland, on or before Kith October, 1572, the said shares will be liable to be forfeited under the pro visions of the Mining Companies' Limited Liability Act Amendment Act. 1870. Name of Registered Nos. No. of Shareholders. of Shares. Shares. William Lee liees .. -1001 to 5007 .. 107 . John Bowler .. .. 5091 to 0303 .. 403 G-erald Fitznmurico .. 7021 to 7097 .. 77 Patrick Kelly .. .. 7701 to S2OO .. 500 .Tames McGuiro ~ ~ 7501 to 7700 .. 200 jly order of the Directors. ROJJKKT HOICNK, Legal Manager. Auckland, September l", LS7-. Junction Goldmining Company (Registered). , THE Annual Q-eueral Meeting of j Shareholders will be held at the Company's Office, Sho;tland-street, Auok'and, on WEDNESDAY, 18th instant, at 2 p.m. Business- -To receive the Report and Balance-sheet, and to elecf a Director in the room of on« who retires. ROBERT BOMMISRVILLE, Legal Manager. Sliortland-street, Aucl.land, September 10,1572. SHOTOVEE No. 1 OOLDMINING; COM PANY (Registered). "VTOTICE is hereby given that all -L 1 Shares on which calls are not paid forthwith w.'ll be advertised as liable to forfeiture. THOMAS LEIGH WHITE, Legal Manager. Camilla Buildings, Auckland, September 13, 3872. Entertainments. r\ I T T HAL L, \J AUCKLAND. THE PEOPLE'S NIGHT. THIS (SATUUDAV) KVENINU, SKPT. 14, MoNS TE R V 11 0 ORAM ME, MR ENDERBY JACKSON. LONDON STAU COMIQUE COMBINATION Consisting of Mil HAitRY lUCIvAItDS, The (Ireatest Comic Singer in the World, who has had the honor of appearing three times before H.it.H. J'lince of Wales of Wales and Suite. MISS CAHItIE RJCKABDS, Burlesque; MR HKXiIY HALLAM, Tenor ; and MRS M. K. MITCHELL, Soprano Vocalist; Accompanied by an EFFICIENT ORCHESTRA > MONDAY, September 10, Complimentary Benefit to MISS CARKIE HICKARDS. Excelsior Pro gramme. Prices of Admission -Reserved Seats, 3s; Second Seats, 2s ; Back Seats, Is. Seats secured at Upton's. Doors open at half-past 7 ; Concert to commence at 8 o'clock precisely. L'ania''os orderud at 10.150 o'clock. J. ALLISON, Agent. jn II O X A L HALL. On FRIDAY, the '20th instant, by the South Pacific Opera Company, the Opera of " Cox and Box," to be followed by a Farce. Admission : 2s (id (to be " devoted to Building Fund). Meetings- CITY' COUNCIL. MEETING ON MONDAY, THE 10th Sept., 1872, at 2 o'clock. TJ ATE PATERS arc particularly re .J-V qucrtod to attend at the City Council Booms to hear the " Financial Explanation of the Accumulated Defalcation of Clo,ooo of the City Funds." By special request of the Ratepayers' Protection Association. ONEHUNCIA RIFLE VOLUNTEERS. MONTHLY Inspection Parade on MONDAY EVENING, at 7 p.m., on the Drill-groiind, "Car Scotch Church. Band to be in attendance. By order. "\V. PI. BATES, Color Sergeant. Onclmnga, Sept. 11, 1872. AUCKLAND TOTAL ABSTINENCE SOCIETY. HPEMPEEANCE SERMON to he JL delivered in the Young Men'j Koom, Wellesley strcefc, o-i SUNDAY, 15th i';rst., at half-past two o'clock, by Mr John Lamb. Text—'"' A. Foolish Son is t'.ie Heaviness of his Mother." Proverbs x. '6. J. W. CARE., Hon. Sec. CITY HALL.- Sunday Services.— Conducted by Samuex., ElxiE'.t, 8.A., Sept. 15. —Morning —" The Omnipotence of Truth." Evening— " The Divine Beauty of Generosity." OITY HALL CONGREGATION. —SOCIAL EVENING, o:i THURSDAY, 19th September, in the City Hall, Symonds-street. Tea at C.; J>o; music will commence at 7.30 punctually. Admission, Is I'd. THE NEWTON KlßK.—Divine Service at the usual hours TO-MOltllOW.— Subjects :—Morning—" The Christian Hero." Even ny "Are Hell and Heaven Localities or Character?" mHE NEWTON KIRK. SECOND ANNIVERSARY MEETING, TUESDAY, SEPTEMBER 17, At half-past six p.m. The Music under the direction oc Mr Skinneh. Addresses on the following subjects :— " A few of the things our Fathers tell us " Rev. Mr. Bruce " The Power of Love" .. .. Rev. Mr. Mason _ "Quiet Moments" .. .. Rev. Warlow Davies "Religion and the Press" .. Mr G. M. Reed " Church AYork" Rev. Mr McKeuzie " The Battle of Life " .. .. Rev. Mr. Waters. Tickets, Is. Cd. each, to be had from office-bearers and members of the Church. AMERICAN RESTAURANT, Corner of Queen and West Queen'; Streets. THE undersigned having leased the above Premises, gives notice to his patrons and the public that he is no.v prepared to serve meals i i a stye sos 10 be excelled in the Colonies, at lrodcrate charges. Parties resiling meals., sandwiches, &c, sent out, can be supplied at any moment. T iucheon (p iviOe loomsupstfths), 1 o'clock. ReilafTOTt opn tvom G o'clock am until 12 o'cl'-ek pm daily. Nev/spaue-.o aud Periodicals from all parts of the world, nee. Ojsters sen ed in every style. LEWIS KELLY, Proprietor



Miscellaneous. 'PI-IE "Bay of Plenty Times," a J- 1H weekly Paper, published at Tanranga. Advertisements and Subscriber!!' Names received at the ottice of this paper. Notice of Removal. H PARTING-TON, Hnu.se and • Land Agent, to one door from Bank of New Zealand. Several houses to let. Houses and farms for Sale or Lease. TO Shareholders in the Cure Gold mining Company : Having purchased from the Directors ,t2l's worth of the Specimens lately taken from the claim, 1 am able to supply the public with Brooch Pieces, Earrings, Pins, Studs, Sleeve Links, Drops, Blocks or Slabs not polished. Warranted from the claim, now cutting. —F. H. Lkwisont. KOfi TOILET QOILTS, at 5s 9d. t/1/U-j. Cosgrave and Co. Kf) PIECES of Black Silk, at 3s 3d tJ\J and 3s 6'd.- J. Cosgrave and Co. KAA GENTS' Black Cloth Sacs, at tJ\J\Jf 12s iid.—T. Cosgrave and (Jo. Kf\f\ DOZEN of Crimean Shirts, at tJ\Jt\J' Bs(id.--J. Cosftrave and Co. We Call Attention. TN consequence of having a Large and Well-selected Stock of SUPERIOR TEAS, COFFEES, and (IEXKII.VL GROCERIES ; likewise Butter, Cheese, and Bacon, all of the best quality, retailed at the Lowest Pbioe, with pleasure we call attention to our Goods, which are marked In plain figures. /tSTNote the Address :— FRENCH & CO., Junction Store, 52, QUEEN STBE ET, AUCKL AN D. floods Delivered. What Harm to Look and Judge. AUCKLAND AND NORTH SHORE STEAM FERRY COMPANY (Limited). PROSPECTUSES and Forms of Applica tion for Shares to he had from Mv O. Lewis, Canvasser ; or from the undersigned. M. NICCOL,-. Secretary. Kf\ PIECES of French Merino, light color, suited for the Spring Season, a Is Tid per yard.—J. Cosgrave and Co. Pianofortes and Harmoniums- MR J. BROWN, Karangahape Road, begs to announce that (in order to make room for a consignment of instruments per Robert Henderson) he will sell the following new instruments as follows :— & S D 1 Tricord Piano, in Polished Oak Case, with all the latest improvements .. 33 0 0 1 Eleven-stop Harmonium, in llose wood Case, by Alexandre .. .. 33 0 0 1 Three-stop Harmonium, in polished Walnut Case, by Alexandre .. IS 0 0 NOTICE. HPHE Undersigned beg to inform the JL public that they have commenced business as WORKING JEWELLEBS, ENGRAVERS, DIE SINKERS, AND LAPIDARIES. JEWELLERS' WORKSHOP: 60, Queen street (opposite Southern Cross Oflice). ENGRAVING & LAPIDARY DEPARTMENT, Wellesley street, East, five doors fromDyson's Corner. PENZOLZ & TEUTENBERG. Auckland, 9th September, IST2. PEA NUTS! PEA NUTS! STIMULATING and highly nutritious. No one should be without a pocketful. A certain cure for ennui —Marshall, Fruiterer, Queen street, next Vaile's. BE ESTATE OF WILLIAM JAMES HAVES, OTAHUHU. AL L Claims against the above Estate must be sent in to the Trustees, at the Oflice of Messrs Stewart and Anderson, on or before the 30th day of September current. J. M. SHERA, \ T t A. STEWART, j i- nl!i^es- NOTICE. T WEND ALL, CORDIAL O • MANUFACTURER, &c, takes this oppor tunity of informing Publicans and others that he has taken those convenient premises in Victoria street, (three doors ,above Woolley's Royal Mail Hotel,) for the manufacture of his Cordials and Liqueurs ; and that he is prepared to supply during the summer months a class of drinks never before attempted in Auckland. Ginger Beer of a superior qualty, and warranted to keep for twelve months ; to be sold in casks or by the bottle. Cordials and Lider of the liuest description ; and Sarsaparilla equal to the American article. Vinegar, white and brown, of first strength. One trial is Solicited. The trado liberally dealt with. Address- VICTORIA STREET. NOTICE OF REMOVAL. OIL COLOR, AND GLASS STORE, HOUSE SIGN, AND GENERAL DECORATING, 57, QUEEN-STREET. J. HENDERSON, IN returning thanks to his friends and customers for past favours, wishes to inform them that he has REMOVED to the above address, and respectfully solicits a continuance of their liberal patronage. T^ H O' S W H O ? WILL SHORTLY BE PUBLISHED, In pamphlet form, PRICE—ONE SHILLING, WHO'S WHO? BEINO A MIRROR OF NATURE, Containing life-like reflections of our Notabilities, their faults, foibles, and eccenti'icities — irith a list oj tltose who have tlte entree into Society, together with an account of our Aristocracy, their family, rise, and descent —and of the noble deeds of their ancestors and progeny. A Comic yet Highly-useful GUIDE TO AUCKLAND, THE THAMES, AND COROMANDEL, Containing wit. pathos, bathos, and sentiment, humorously applied sis a pleasant pabulum for the craving appetite of those who want A GOOD BOB'S WORTH. Bill of Fare in future advertisement. »_ ■ ■ . . ; ■~:. ....... ...... -.'..,...



Board and Residence. ST. LEON A ED'S HOUSE, Parndl Rise. PEIVATE BOARD AND RESIDENCE. COMFORTABLE Board and Kesi donee, for one or two Gentlemen, in a conevnient ami healthy locality. Terms moderate. For refer r.cc and address apply at office of this paper. To Let. TO LET, a four - roomed Cottage, overlooking Queen street wharf. — Samuel Coclirane and Sou. rpO LET OK SELL, Seven Years' JL Lease of Houses and Shops in Victoria-street; ground rent nominal.- Apply to M. Henderson, Architect. To be Let, THOSE large and commodious premises in Sliortland street, known as " THE LITTLE DUSTPAN." The Stock to be taken at a valuation, or otherwise according to agreement. Any persons having any claim against the Proprietor will oblige by sending in their claims on or before the Ist OCTOBER; and all parties indebted to the same avo most respectfully requested to pay their accounts as fairly as possible. HENRY PROBERT, Proprietor. August 30, 1872. Sales by Auction, TUESDAY, SEPTEMBEE 17. BY ORDER OP THE MORTGAGEE. VILLA RESIDENCE, MOUNT ST. MARY'S. ELIGIBLE BUILDING SITE, DEDAVOOD. COTTAGE, WILLIAM STREET. TIT E Subscribers have received instructions to sell at the Land Mart, Fort street, on Tuesday, 17th instant, at 12 o'clock. MOUNT ST. MARY'S.-A Comfortable Villa Resi dence of five rooms, fitted with cheffonniers and cupboards throughout, and erected on lot 30, 33 feet Frontage to Dublin street. DED WOOD.—That eligible building site situatrd on St. Mary's Road, adjoining the residence of Joseph Cunningham, Esq., and commanding a most extensive view of the Harbour, North Shore, &c., comprising eight allotments, having frontages to St. Mary's Road, Hackett and Vine streets. WILLIAM STREET (off Wellington street).—Allot ment, 25 feet frontage, with neat, well-built four roomed (:ottage thereon, close to the Wellington street Hall. SAMUEL COCHRANE & SON Auctioneers. WEDNESDAY, SEPTEMBEB 18. HOUSEHOLD FURNITURE, &c, &c., AT THE RESIDENCE OF MR W. D. HYDE, PARNELL RISE, FOUR DOORS FROM THE RAILWAY BRIDGE. GEOEG-E W. I3INNEY TITILL Sell by Public Auction, at the residence of Mr W. D. Hyde (who is about leaving the Colony), on WEDNESDAY, IStb instant, at Eleven o'clock sharp, The whole of his choice and well-selected House hold Furniture, &c, kc. - % Terms—Cash. TUESDAY, SEPTEMBER 17, WINES, SPIRITS, AND BEER. EX HOKITIKA. S. JONES TTAS received instructions to sell by auction, at the Brunswick Mart, on Tuesday next, 17th_instant, at 12 o'clock, 35 qr.-casks Fine Old Port 20 qr.-casks Fine Old Sherry 15 qr.-casks Sherry 2 qr.-casks Sherry, duty paid v 500 cases Martell's Old Pale Brandy 13 hhds. Hum, 30 o.p. 10 qr.-casks Lownde's Rum, 30 o.p, 7 hhds. Bass's Nos. 3 and 4 Ales, i Terms:— Under £30, cash; over that amount ap proved bills at three months. WEDNESDAY, SEPTEMBEE IS. SURPLUS STORES, EX CITY OF AUCKLAND. S. JONES TTAS received instructions to sell by auction, at the Brunswick Mart, on Wednesday, 18th instant, at eleven o'olock, Surplus Stores, ex City of Auckland, consisting of - Salt Beef and Pork, Biscuit, Flour, Rice Preserved Meats, &c, &c, &c Also, ! 37 Iron Water Tanks. Terms—Casli,