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SCOTTISH

PROVIDENT

INSTITUTION.

6, ST. ANDREW SQUARE, EDINBURGH; 18, KING WILLIAM ST., LONDON, E.C.

THIS OFFICE alone combines the advantages of Mutual Assurance with moderate premiums.

INSTEAD of charging rates admittedly higher than are necessary, and afterwards returning the excess, or a portion of it, in the shape of periodical Bonuses, it gives from the first as large an Assurance as the Premiums will with safety bear-reserving the Whole Surplus for those who live long enough to secure the Common Fund from loss.

The PREMIUMS usually charged for £1000 (with Profits) will here, at most ages, assure £1200 to £1250 from the first-the difference being equivalent to an immediate "Bonus" of 20 to 25 per cent. ;-while, by reserving the surplus (instead of sharing it with all indiscriminately) very considerable additions may be expected on the Policies of those who live to participate.

ITS TERMS are thus well calculated to meet the requirements of intending Assurers. They are specially adapted to the case of Provisions in Family Settlements, where it is of importance to secure, for the smallest present outlay, a competent provision, of definite amount, in the case of early death.

Examples of Annual Premiums for £100 at Death-with Profits.

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* A Person of 30 may thus secure £1000 at Death, by a yearly payment, DURING LIFE, of £20 155. OR, by TWENTY-ONE yearly, payments of £27 13s. 4d.-being thus free of payment after age 50.

At age 40 the Premium, ceasing at age 60, is, for £1000, £33 145. 2d., being about the same as most Offices require to be paid during the whole term of life.

AT

T last Investigation a Surplus was declared of £376,500, of which £125,000 were reserved, and £251,500 were divided among 4,599 Policies entitled to share. The result was that Policies for £1,000 sharing for the first time were increased to sums varying from £1,170 to £1,300. In some cases Policies which have shared at the whole four divisions that have taken place have now been doubled.

The NEW ASSURANCES (entirely Home Business) for several years have exceeded ONE MILLION STERLING.

The ACCUMULATED FUNDS (increased last year by £225,000) now exceed £3,300,000.

The GROWTH OF THE FUNDS is one of the best practical tests of prosperity. "The RATIO in which, for several years past, our Funds have increased, in proportion to our Income, has greatly exceeded that of any other Office in the Kingdom."

Full STATEMENTS of PRINCIPLES will be found in the ANNUAL Reports.

EDINBURGH, Nov. 1878.

JAMES WATSON, Manager.
J. MUIR LEITCH, London Secretary.

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"Bonne et Belle."

Every Genuine piece has the above Trade Mark and Name printed upon it in Heraldic Colours.

The Bonne et Belle Black Silks

Are remarkable for Excellence of Manufacture, Purity of Dye, and Brilliancy of Colour.

MEDAL AWARDED, PARIS EXHIBITION, 1878.

THE BONNE ET BELLE BLACK SILKS May be obtained from the leading Silk Mercers and Drapers throughout the United Kingdom.

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333 ADVERTISEMENT.
Minot fund.

+3700 In the preface to the fre IN the preface to the first year's issue of this Almanack, the Editor observed that "it was not intended that the work should take a stereotyped form, and thus, as it were, become fossilized." And it has not. Thanks to numerous changes in the political world: to the Providential theory of wars and rumours of wars being chiefly intended as a means of teaching geography; but, above all, to the kindness of correspondents, the Almanack has every year presented fresh and interesting features. In the current volume the reader will find that the changes caused by the partial dismemberment of the Ottoman Empire have been recorded, and Cyprus assumes its place as a British possession. Special attention has been paid to India, and to the countries immediately adjacent; and Central Africa being specially attractive to a large number of persons, a chapter has been allotted to that part of the world. Fortunately for this country no event of any moment needed special notice; but all official and other changes that have come under the Editor's notice have been duly made.

As heretofore, the Editor is much indebted to Correspondents, and he trusts that readers will continue to "take a note " of any error or shortcoming, and inform him of its existence. He must, however, urge upon those resident abroad that, unless corrections for next year's Almanack reach him before November, little or no use can be made of them. In consequence of delay two or three Colonies in this year's issue remain unrevised.

LONDON, 1878.

WHITAKER'S ALMANACK may also be had with large addi

tions, including the Victoria and Albert, the Crown of India, and the Indian Empire, Orders of Knighthood—A Table of Precedency—A Complete List of all the Indian Sovereigns and Chiefs of Protected States-High Sheriffs, England and Wales. Annual Summaries, Scientific Inventions, Astronomy, Geography, Agriculture, Commercial, Criminal, &c. &c., A Concise Summary of Constitutional Law, Parliamentary and Municipal Elections, Formation of Local Boards-Duties of Churchwardens and other Officials-Agricultural Productions of the United Kingdom-Key to the Calendar-Digests of Parliamentary Papers, &c., &c.

Neatly Half-bound, Price Two Shillings.

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101, 302 Chichester Diocese

298 Chili; Area, Population, Trade ..269
241 China, Empire of, Statistics
..166 Christian, Prince and Princess
.146 Christ's Hospital, London
.308 Chronological Landmarks
83, 151 Church of Scotland.
..154

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153 Circuits of Judges
156 City Companies...

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of Works, Metropolitan.... 209
Aldershot Camp
Receipts and Expenditure210
Ambassadors and Consuls....264-291 Boat Race, Oxford and Cambridge.298
America, British Possessions......249 Bolivia; Area. Population, Trade..266
United States of.... ...289 Bombay Province, Statistics......234
Presidents of.. 62 Book Post, Regulations.. ....319
Amusement," Places of ..... ...301 Borneo; Area, Population, Trade..266
Anguilla; Area and Population ..257 Borough and County Constituencies 91
Anhalt, Duchy of ....
...275 Bounty Office, Queen Anne's ......105
Annuities, Government
...215 Brazil; Area, Population, Trade ..260
Bremen; Population, Trade
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Clearing House, Bankers'
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Close Times for Game and Fish.
Clothing Establishment
Clubs and Club Houses...
Coal Mine Inspectors
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.131 Coldbath Fields House of Correct.110
.152 College of Arms

.249 Colonies, Crown Agent for

.250 Commander-in-Chief's Office

.104 Commissariat and Transport Dept. 134
..259 Commissioners, Charity.

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262 Brunswick, Duchy of
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in the East..243-245
in South Atlantic 262
West Indies
......256
..305
275 Companies, City Livery.

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.234 Burial Acts Office...

54 Cab-Fares, &c.

Astronomical Notes (see Cal.)....14, 52 CABINET, THE.

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Australasia, British Possessions ..251

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11 Constituencies, Boro' and Counties 91

Proper Lessons, New Calendar 49 Consuls and Ambassadors
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..277 Calvinistic Methodists

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Council, Judicial Comm. of Privy.. 106
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151 Countess of Huntingdon's Con-

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151 Cambridge University

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306 CANADA, DOMINION OF; Area, &c...246
.179 Canterbury Diocese...
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.182 Cape Colony; Area, Pop., Trade
180 Carlisle Diocese....

189 Catholic University, Dublin

.181 Cattle, to ascertain Weight of
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166 nexion
305 Counties, Statistics of ....196, 198, 202
214 Countries adjacent to British India.241
.124 Country Banks
12, 52 County and Boro' Constituencies.. 91
Constabulary Inspectors .... 99
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79 Ceylon; Area, Population, Trade..243
83 Chancery Division Court

.259 Channel Islands

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Cricket, Oxford and Cambridge ..298
Criminal Court, Central

Convictions, 1860-77

112

195

Crown Agents for the Colonies....24

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