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tinctly to shew the astonishing effects support it with their purse and influof accumulation, and at the same time ence.- But there was a still more forpresent an undoubted certainty of re midable difficulty to encounter. Notpayment with interest, could not fail withstanding by far the greater part to have irresistabie attractions, to of the inhabitants are pour villagers those whose incoine is derived from or cottagers, without manufaciures, weekly wages, or other trifling re or any other means of subsistence ceipts. Such a scheme would not on than such as are usually to be found ly accommodate itself directly to their in a remote country parish, there circumstances, but would have a were a great majority of the adults powerful effect in arresting their at- (no fewer than three hundred indivitention. In an institution of this duals out of a population of eleven kind, too, which implies the com- hundred) already connected with bination of a number of individuals Friendly Societies within the bounds of the same rank, example would of the parish. It was well known, that lend its salutary influence; and what by far the greater part of these india man would never bring himself to viduals were obliged to strain every do of his own accord, he might be in- nerve for a bare subsistence, and, so duced to perform with eagerness from far from being able to lay up any ada principle of imitation.

ditional savings, found at times exReflections of this kind led to the treme difficulty in fulfilling their eninstitution of the Ruthwell Parish gagements to the established Societies. Bank, about the beginning of the The scheme of the Savings Bank was year 1810. In this attempt, there drawn up and put in execution, with were discouragements of a peculiar the advice and co-operation of some kind, which it will not be improper of the most respectable inhabitants of to state, that the success of the ex the parish ; and in the period of four periment may appear in its true light. years and a balf, the funds of the Insti. -In point of local circumstances, in- tution have risen to upwards of eleven deed, there are perhaps few parishes hundred and sirty pounds *, which in Scotland where the scheme might sum is now bearing interest at five not have been tried to greater advan- per cent, in the hands of the Dumfries tage than in the parish of Ruthwell. branch of the British Linen Company. One of these discouragements arose The gentlemen who have been so from the want of resident heritors, laudably and so successfully employed who might countenance the under- in suppressing mendicity in Edinburgh, taking with their approbation, and instituted, in January last, a “ Bank

for

The following is an abstract of the state of the funds of the Ruthwell Bank at the time of settlement, every year since the commencement of the institution.

Years.

Period of Seillement.

Principal.

Interest.

Ist.
2d.
3d.
4th.

1st June 1811.
1st June 1812.
1st June 1813.
1st June 1814.

£.151 0 0

176 16 7
241 16 7
922 18 2

£. 5 16 7

9 16 11 12 3 2 34 19 8

The whole money repaid since the commencement of the Bank amounts only to £. 43, Ss. The surplus interest obtained is £.2:0:7}. The funds now (16th December 1814) amount to £.1164:9:3.-The rapid increase of the funds during the last year is very remarkable, and arises chiefly from the nature of the institution being better understood.

for Savings," on the principle of the be planned and conducted principalParish Bank, and, notwithstanding ly, or at all, by the persons who are they allow in no instance more than to use it, or by persons in a higher 4 per cent. for the money deposited, situation in life? That the general the experiment has been attended with frame must be formed principally by such appearances of success as are persons of education and knowledge highly encouraging. In Alloa, a of business, is quite apparent: but, in Bank on siinilar principles has been some instances, the ordinary contribulately opened, which, in the seven tors hold regular meetings, monthly first weeks, received deposites to the or quarterly, for examining the state amount of no less than £.70, 19s. In of the establishment, forming rules, Kelso and in Hawick, Parish Banks electing officers, and the like. The have also within the last month been Committee, however, are rather infounded, which, having commenced clined to think, that this is, in geneunder very favourable circumstances, ral, an objectional course, and is in promise to be productive of incalcula- fact one of the great disadvantages of ble advantages to these towns. In the Friendly Societies, occasioning Mid Calder, an institution of the loss of time, dissipation, and expense ; same kind exists; and in the parish of and that, though it must be submitClunie, Pertlishire, by the benevo- ted to, where matters cannot be otherlent exertions of Dr Baird, the very wise arranged, and may, sometimes, Reverend Principal of the University be advisable to a small extent, in orof Edinburgh, the establishment of a der to produce confidence and popuBank is proceeding, under the pa. larity, it will generally be the most tronage of his Grace the Duke of beneficial arrangement, that the conAthole. The gentlemen of Selkirk. cern be entirely planned and conducshire, and some benevolent individu. ted by individuals of knowledge and als in Dumfries, in Gatehouse of Fleet, experience, of a higher station ; so in Langholm, in Jedburgh, in Ber- that those who use the Bank, may wick, in Musselburgh, and in several have nothing to do but to pay in or other places, are now taking steps for draw out their money as in an ordithe accomplishment of a similar object nary bank. This is the footing on in their respective districts; and there which a very thriving bank for seris reason to believe, that a very general vants was established at Bath about interest is, through almost every part seven years ago, on which the Edinof Scotland, excited in favour of the burgh bank has been established, scheme,

which has been extremely successful, This subject has now attracted the and on which a bank has been estab. attention of the Highland Society, lished at Alloa, which drew £.70 who have exerted themselves with during the first seven weeks. Persuch laudable zeal in every object haps there may be more difficulty in which promised to contribute to the getting this arranged in the country improvement of the country. They than in towns; but even there, prohave pullished a report upon the sub- bably, the minister, and a few of the ject, in which they point out at once respectable resident landholders and the advantages which may be derived farmers of the parish might join in from such institutions, and the best putting such an establishment in momode of conducting them. The fol. tion, and in attending one hour a-weck, lowing observations seem particular- by turns, for receiving and paying moly deserving of attention.

ney. The Committee observe, indeed, “The first question for consideration that the Parish Banks, both in /uth. is, Whether it be better that the bank well and West Calder, are conducted

by

by the subscribers as a society, hold. which he has favoured them, and in ing regular periodical meetings of the which he says—No one should be members, for forming rules, electing • made dependent upon any other conolñcers, &c.; the latter consisting en tingency but his own conveniency, tirely it appears) of persons contribu • for either the time or the amount of ting on their own account; the for. • his payments : therefore, no attempt mer comprising a certain number of should be made to enforce regularihonorary and extraordinary members, ty of payments by fines or forfeitures who are contributors to a surplus fund • of any sort.' And accordingly, the forming part of the establishment, Committee understand, from some of (which is applied in giving compound its members who attend at the Edininterest at 5 per cent., on marriage, burgh Bank, that one of its greatest 56 years of age, or other occasions recommendations, and which has in-. thought proper by the Directors, and duced many to become contributors, in giving relief in sickness, &c.) But is, that those entering are not bound probably this was rendered advisable to go on, unless they incline; and that, in these two parishes, chiefly because at the same time, very few of its nuthere were Friendly Societies alrea merous contributors have discontinued. dy established in them, which might It appears, at least, that it is safest to make it appear expedient to hold out, commence upon this footing, in order to the contributors to the Bank, the to hold out the greatest possible ensame powers of administration and couragement to the beginning of halegislation as those possessed by the bits of economy. If any compulsion members of these Societies.

of regular payments to a certain a. Another question occurs, how far mount be thought advisable in any it is expedient to compel payment of place upon experience, the alteration certain small sums, at regular inter can be made afterwards. vals, by imposing forfeitures of in. The Committee observe, that, in terest, &c. in order to keep the mem some establishments, those who have bers in mind of the establishment; been members for a certain time, have leaving them at liberty, of course, to greater advantages than those who contribute as much more as they may have recently entered. But this is find convenient. This is done at not usual; and the Committee rather West Calder, and is proposed to be think, that,

think, that, as the commencement of introduced at Ruthwell, and will, no saving habits is more difficult than doubt, bave the effect intended. But the continuance of them, it is hardly it is not done at Bath, Edinburgh, or advisable.' Alloa ; and the Committee doubt whether its good effect, in one way, Our limits preclude us from makmay not be more than counterbalan- ing farther extracts from this report, ced by its bad effect in another way, or from the pamphlet on the subject in deierring persons from entering in by the Rev. Henry Duncan, founder to a scheme where there is any com of the parent institution at Ruthwell; pulsion. Mr Bone, author of Tracts but copies of both may be had at the on Political Economy, who establish- shop of the Publishers of this Magaed an office in London to enable la.. zine. They will be found to contain bourers to make provision for sickness copies of the rules and regulations, as and age, confirms the Committee in well as tables for the calculation of this opinion, in a communication with interest.

An

An Account of the Life and Adven- the North; its virtues and powers

tures of Sir HUMPKIN Buz, and consisted in being able to produce a his Journey to the City of NUBIBUB. note hitherto unknown in music. I Written by himself:

was very anxious to have this extra

ordinary instrument, and he wishing ( Continued from page 902.)

to gratify me, called lustily for the I Felt much indebted to the propric- foreman of his works to send the men tor for the great attention he had

up to play the

organ.

Bless

me,

said shewn to me; I thought the only way 1, the men! does it require more than I could return the obligation was, to one to play this piece of machinery ? bespeak some of his machinery. 1 I was soon relieved, by seeing sevenwas rather at a loss what to order, teen of the work people, men and when, at last, I bethought me of a cast: boys, enter the saloon, and each took iron coffin, that I would send as a hold of a handle that acted as a present to the disciples of Johanna pedal, the master sat down to the Southcote. Upon my ordering such front, to direct the movements. The an odd article, the man expressed his steam was let on, and the sevenutter indignation, and said, If there teen fellows were pumping, first at had been so many weak persons led the trebles, then at the bass, which astray by their follies, while the pro- produced a kind of running passage, phetess was living, he was determined not giving any distinct note, but not to be ranked amongst them, now sliding and slipping upon the ends of she was no more, and absolutely re them, so that, for the life of me, I fused to make the coffin as I proposed. could not make out the tune, (which Leaving this disgusting subject, he I afterwards learnt was, Speed the shewed me a new apparatus bespoke Plough,) this, I was told, was the by the Postmaster General. It was great merit of the Organ: for, instead a tin pipe, which was to be conveyed of eight notes, as usual, being divided under ground from London to Edin- into semi-tones, or half notes, they burgh, the two ends terminating in

were divided into so many more parts, the rooms wherein sat the two secre that it was impossible for the most taries, who were to open all letters refined ear to detect a break between from one department to the other, and the intonations. The only thing repeat the contents through the tube, against this truly admirable piece of which were instantly copied by the furniture, or rather musical instrument, one receiving the information at the was, that it required so many persons further end, written down, and trans to attend to the pedals, that he was mitted to the parties concerned.- afraid he should not sell many of them, This plan, it was supposed, would be although it has cost the inventor much approved of, as it not only ex

much labour and expence: this being pedited the correspondence of indi an objection also on my part, I deviduals, but would be a great saving clined becoming a purchaser. We to the government in the

expence

of now took our leave, I felt consideraconducting the mail. The proprie- bly distressed at not being able to tor of the works said he would recom make some small purchase, out of mend what he thought would please compliment to the proprietor of the me. I followed him up stairs to an work. At length we reached the elegant saloon, the end of which was Hustings, built in the common gar. occupied by a very handsome cast- den of the city. The nomination of iron organ; a patent had been taken the member to represent the city was out for it by a gentleman who had to take place at three o'clock; the visited Nubibub from some place in

crowd that assembled upon this occa

sion was prodigious, but those who agents of the opposite parties, and a have not seen a public meeting in challenge was the result. Being anxNubibub can form no idea of the case ious to witness the mode practised in with which persons pass to and fro; that country of revenging injured the elasticity of their bodies yields to honour, my friend having heard the the pressure, so that the noise occa- challenge given, and the time and sioned in a London moly by the squeez. place named, said he would accomed calling out for mercy is not heard pany me to the spot, where I might here.

gratify my curiosity. For the preThe high bailiff now came forward sent we returned to the hotel, and to take the nomination : the first can- passed away the time by dinner till didate that offered himself was, at 6 o'clock, the hour appointed by the that time, a person of some conse- duelling combatants : they met in a quence under the existing ministry, field about a mile from the city, ata man of most considerable talent, tended by their seconds armed, like but of such an idle and dissipated themselves, with small swords.

Pis. life, they could not trust him in any tols were prohibited from being used active situation, but he held a place in duels, on account of a person once where the otiuam cum dignitate reigned having missed his antagonist, the ball paramount.

lodged in the dome of the metropoliA friend of this gentleman's came tan church, which, by letting out the forward, and in a speech of about gas, had nearly caused the destruction three quarters of a minute long, set of the whole fabric. The parties set forth and enumerated the whole of his to with much confidence and skill, good qualities, and ended by propo. but I evidently perceived the friend sing Mr Gilowhisky as a fit person of Gilowhisky had the advantage. to represent the city of Nubibub in After several unsuccessful passes, at parliament; this nomination was bail. last he hit the Krakalouskite in the ed by the acclamations of some hun- ribs ; my friend told me this wound dreds of people, all paid for their would prove mortal. I began to be vociferating powers--Gilowhisky for under some apprehension that my ever! resounded from all quarters. own safety might be committed by

The next gentleman who made his being merely a passive witness to this appearance was a neat little dapper most honourable murder; my fears in fellow from the north : his father, Mr that respect were quieted, I observed Krakalousky, was originally a tailor, the wounded gentleman diminish very but young Krakalousky, of a more en fast as his gas escaped at tbe hole in ter prizing spirit, had sailed to a fo- his side ; in about ten minutes life was reign country, and returned with a extinct; his second, with the greatest handsome fortune. He was the most composure, gently rolled up his skin, popular candidate upon this occasion, put it under his arm, and walked away and popularity being opposite to the with it to a surgeon's, accompanied by great influence of the other party, a the opponents, severe contest was expected. Two or (To be concluded in our next.) three voices at once proposed Krakalousky, the nomination was received with equal favour as that of Mr Gilowhisky's. A few votes were taken

Curious Russian Medal found at Lieon each side, and the parties went to prepare their books for the next day's A VERY curious' Russian medal, Pole. Upon leaving the hustings, a made of iron, and about the size of violent scutle ensued between two ahalf-crown piece, was lately found by Jan. 1815.

the

BERTON.

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