1907-07-20 — Page 5

A Farly Ten

tabls Sweet- ment, furnishlag

• Encnt agrenahte mctbed of admin istering the nely cartala tomedy for Intentant or Thmad WoEDES.

It is perfectlysafe

and mild, especi

ally adapted for

Charna

Sold in Bortles

by all Drugginta

KEATING'S

WORM

TABLETS.

Proprietor, THOMAS KEÄTING, London.

85

MERRYWEATHERS'

Light Portable "VALIANT."

A SAFE REMEDY

FOR ALL

SKIN AND BLOOD DISEASES If you suffer from any disease duo to an impure state of the Blood, rnoH WHATEVER CAUSE ALIING, you should text the value of Clarke's Blood Mirtare, the world-famed Blood Purifier and Restorer. This medicin hae H years' repust stion, and is to-day more popular than ever, the reason of this being undoubted- lybeesien this wonderin ramedy does what it Professes to do-IT VORES SHEN AND BLQ01 DigЕÂ¥ZƏ PERMANENTLY.

Clarke's Blood Mixture

IS THE RINAST BLOOD PURIFIER EVER DISCOVERED.

It is warranted to cleanse the blor! from impurities, from whatever caso

rising.

SCROFULA,

! BAD LEGS.

The

SCURVY,

BLOTCHES,

Ideul

ECZEMA,

SPOTS

Firo Engine and

BLOOD POISON,

ULCERS,

SKIN AND BOD

Steam

Pamp for CHINA.

Light

*

the Market

Wegki

wing

Cine Ta carred by u

Lex

theagh

Ask for Mustrated Pempellet No, Tilsio / MERAYWEATHER & SONS, 63, Long Acre, W.C. Works Oreanwich, B.E., London.

1137-1

Cunliffe,

The Pioneer Exparts

in Premigra Bends.

Russell & Co.j

10 & 12, Place de la Bourse, NECURITIES issued by PARIS

Earopean Gov'ts and Municipalities offering DESCRIPTIVE

WAITE FOR prospectsofimmense retura: PAMPHLETS

To to purchased for eman or on the ""Times".system of monthly payments.

CUNLIFFE, RUSSELL & Co. being the oldest-estab licher firm of dealers in Premium Bonds in the work, ofter advantages absolutely un- obtainable elsewhere. Bonds guaranteed. Exceptional facilities for payment Numbers jchecked alter everyDrawing Results of Draw. fings in English. Holders of drawn Bonds ad- vised at once. Prizes collected free of charge. Bonds perchased "at sight," Loans granted Jon Bronium Bonds. Services continue until Įfast Bonchhrawn. Altuansactions confidential

By Royal

Warrant to

1013

DISEASES,

BLACKHEADS,

PIMPLES,

31

It is a safe mod Permanent Remedy.

di

For

THE HONGKONG DAILY PRESS, SATURDAY, JULY 20тa, 1907.

SOME PRINCIPLES IN FIRE INSURANCE.

JOINT STOCK SHARES.

Mesira Vernon & Smyth way in their wookly share report dated Hongkong 19th July, 1917- Our market has ruled somonbat quistər during the past week, but ratea generally have boon fairy well maintained, and, in some intances, show a slight improvement. Exchangs on London closes at 2/21 T.T., and on Shanghai at 721 T.T.

BANKS-Hongkong and Shanglicis have hardoued a little, and have been booked at $185, old ex now, after sales at $680. At the close a few more shores are proaurahts at the bighor rates, and at $22 for the new isau, Arst call

So much sensational nonsense has recently been printed in regard to fire insurance policies, the arbitration clause, url the suggestion for a valued policy, that it is quite refreshing to find that a responsible journal like the Sturday Review has not last its head with the rest. an article beaded as above the facts of the case are fairly stated: There are certain prine ples. in are insuranos which a great many people cannot grasp, or do not see the necessity for, In the first place, fire insurance-as the name implies-is a method by which the loss done by fire falls upon an insurance company instead paid. London quotes (3) and £) for the old upoo policyholder Io order tox new and now issas respectively. National pay the loss it is necessary to ascertain are unchanged at $51. the damage actually dong by the fire. MARINE INSURANCES-Unions have bo For this рикрова

the policyholder must

aust booked at 8770) and cost is further raqnost, supply evidence of the value of his goods at the China Traders ars still it donand at $9Î, and time of the fire. The company is not concernod Cantons at 3270, the latter after fairly ortensivə with what the goods originally cost, or with the expense of replacing the destroyed property by now articles of equal quality.

v1

of

the

at the rate. North Ching have boon bought from the north at Tia. 733, and more shores are wanted. Yangiezas are quietat $180.

FIRE INSURANCES.-Hongkongs have been fixed at $330, and Chinas at $83, both closing with probable sellers.

It is the only real perife for tout and Ruoatie.ready gives the fire off oral hazardfstions being Tlx. 3) for the proformed with

Fire insurance is thus fuadarently different from life assurance. A life policy guarantees the paymout of, say £1,000, when a man dias, aud this amount is bound to be paid at some time or other provided the payment of premiums ia kept ap A

A five poling dens not guarantee tho payment of a fixed sum in the seat of a fire, BORES OF ALL KINDS and it is neither feasible nor desirable that it

should. What is known as

quite mufficient difficulty and exposes them to very serious risks, from fraud. These rinks would be vastly in. creased if

a mau, by setting fire to bis property eldental fire, could be sure of reciving an agreed or by abstaining from efforts to put out an ac amount without close investigation by the insurance company, not merely with a rien to proving that the fire was accidental but to the sam which the company had to pig. also that the loss incurred really amounted

Pain, for it removes the cause from the Blood and Baner.

NOTE. This mixture is pleasant to the faste and worratei free from anything ajurians to the most delicate antibition of either s from falaney to ubl age, and flie Proprietors olicit wafarers to give it a trial lo test its value.

Threats of wonderful cares have been effecter In it.

TRIED MANY THINGS WITHOUT BENEFIT UNTIL TOOK CLARKE'S BLOOD MIXTURE.

Mr. F. E. Lewis, Britige Street Row. Chester

It is sometimes urged that insured property writer :--- Just a line in favour of Clarke's Ba

should be valued and scheduled by runs of vainers and that this valuation should be Mixture. Tad wrzem for seven mouths, ani trikil any things without hengit until I took your remedy.

accepted both by the companies and by the After the eighth Bottle I was quite well agai Pense ancept this better & rokon of grastute to exceptional cases, but as a general rule it is insured. This is perhaps possible in a few your wonderful 41.thea Blood Mixture."-Junaourtainly not worth the cast. A valuation 31. tom..

involves a fee greatly in excess of the annust

| Solid by all Chemists and Patent Medicine Vendors fhamayhat the World

ASK FOR

CLARKE'S BLOOD MIXTURE anti beware of worthless insitations and substitutea

(57

CHARLES DAY & CO., LONDON, ARE THE SOLE EXPORT BOTTLING AGENT

FOR

JOHN JAMESON & SON'S

WHISKEY.

And on each inbol raat be foam the following Notice and Signatura.

"I order that Consumers may feel assured of genuineness, we would request attention to this our Special Export Label, and to our Trade Mark and Nume on Corks, Capenkes aud Cages, also to age mark.

暴

John fameson Hon

His Majesty

The King.

BOVRIL

is an excellent tonic, bracing the system when everything else fails.

Try a little milk in your hot Boyril.

SAINT-RAPHAEL

TONIO, RESTORATIVE, DIGESTIVE WINE

Very palatable.

Known throughout the world and prescribed in all cases of Anomia, Debility and Convalescence, to young women, chlidren and the aged. Invaluable in hot climates.

DOSE: One wine-glass after the two principal menis.

Each bottle of genuine VIN SAINT-RAPHAËL beers, in addition

to the registered trade-mark

ID 799 WARRANTY STAMP of the UNION DES FABRICANTS.

ŽJA METAL SEAL advertising OLETEAS.

CLETEAS which surpasses all others by its

is & MELISSA and MINT cordial

purety and faultless preparation. To be taken on a lump of sugar.

41

COMPAGNIE du VIN SAINT-RAPHAEL. Velence (Dröme-France). AGENTS:-CALDBECK, MACGREGOR & Co., HONGKONG

When buying Lime Juice Buy the Best.

The Best is

Montserrat"

Lime Juice.

MONTSERRAT" is prepared from cultivated limes, and is always fresh and pleasant to the taste. Mixed with plain or aerated water, it makes a cooling, refreshing, healthful drink.

Try a dash of Montserrat" in your whisky and soda. There are two kinds-

Unsweetened, ie, Plain Lime Juice, Sweetened, ie., Lime Juice Cordial.

Agents-A. 5. WATSON & Co., Ltd., Hong-Kong.

3-393

SHIPPING-Hongkong, Canton and M10109 coulinan on offer at S. Dangimes have sold and are still wanted at St. In Chinas ar3 tedy at 570 en dividend, the Shanghai bugars, and Th. 22 for the defend, tominal. Star Ferries have declined to 525 (uk) and 31-4. tae), the latter with salos. Sh Transports have been fixed at 429, 61, ox dividend ant new issus, and more are wanted. China an ì 5 quilas are unchagad at S13

seller at $100.

REFINERIES-China Sugars are easier with Luz ens coatimus on offer 6821

MINING-Rub: have been disposed of at $6. whith more shares are prooirable. Carbin ngs are still engn'vet för a' $190.

#!

Docks, WAARTS8 As GoDows. -Hong- kong and Wampos Dosks, after small silos at $100 and 810, are in farther regnat at the higher rate. Hongkong i Kowlon Whareras lower rate would probably be acepted. Now are still in the market at $79, and a slightly Amoy Dicks are procurable at $11, and Shang- hai Docks at Tls. 74.

A

premiums for Are insurance, re-valuations ara dorthi anaounc1s that the Sham from the

any

(ไ

Dicks will necessary to prove that the goods mentioned pay a disild of Tls. 3 per share for the

the inventory ware destroyed by fire. In uding 3 April last, a some ways, quite apart from intentionst

agaius Tls. 8 for Shingh and Hoogkew frand, companies are frequently treated in-

Whaus

are quoted at Tia. 2 buyers. fairly by policyholders, who do not insure LANDS, HOTELS AND BUILDINGS.-Long their property

for

like. anything

ita ong Isud eoufinus on offer at S, and full valne. Insurance оп the emateals Kolos Lads can be procure

kang

$37 of private houses usually provides for making West-Points are gnist at $50. good damage done by fire within the limits of Estates have sold and hass further sellers at Humphraya the sun insured; thus a man who e property is $102 Hongkong Hotels ara unchanged with worth £2,000 and who is insured for only £1,000 is antiuled to waive £1,000 if half his goode are burnt. Commercial polícios esutaia an

sellers at 3118.

COTTON MILES-Quotations are unchanged, and we have no business to report.

MISCELLANEOUS. Chiss Borneo hara and more shares are winted at the latter rate. en placed in fic quantities at $3 to $333,

with buyers China Providents can be proud Dairy Farms have been booked at $15 and clone

Cements are quoted at $17 with probable sellers. at $9, and Electriga at 8143 Grand Island

CHURCH SERVICES.

*average clause' which provides that in such a case as this the policyholder carries half the risk and the company carries the other half, destroyed, and the total contents of the house that if goods to the value of £1,000 ware. were worth £2,000, the company would be calle upon to pay only £500, the policyholder bang Coggidared to carry half the risk himself. There are varicas practical considerations which make it inadvimble to insert an averago clause in tho policies of private house-holders, but it cannet be considered inappropriate for a company to regire rigorous

proof of the damage done by Sunday, 8t after Trinity Holy Communion "ST. Joux's Caruкnnst. Hongkong,-21st July, fire when a man is seriously underinsured.

(7.30) Matins (11 s.) (Fur Choir.) Re. Most of the complaints about unfair settle- ments prove oe examination to have very little 21st mining: Ta Deun, Ward in Eint; Hone sponses, Perial; Venite, Baraly; Pans, of the justification

The tendency of fre insurance companies is towarde liberal rather than illibereltas, rett in G; Anthean, "No Shadows settlements, for the aimple reason that is the Kyrie. Bauines in Eat; Hymns, 54 and 550. Holy Communion (12-toon.] yonder."--tiaul long run it pays them better; it tells against Evensong (5.45 p.m.) Responses, Ferial; Psalms, the extension of a company's business to get of the 21st ratin (1): Magnifica, Carol iga a name for niggardly treatment of policyholders. 12th morning); Nung Dioiittis, Monk; Hymns, In writing about insurance in this Review, 230, 208 and 271. par standpoint is always that of the policy. holders,

and from the point of view of policyholders in general we have no doubt whatever that be present system of fire

inearance is the most beneficial in all essential respecte. Improvement in certain details is possible, and reforms of one kind or another are being introduced from time to time, bat any general adoption of the principle of

NB. Pat 106, Verses 1, 2, 7, 8, 32, 33, 34 in. Unison.

British School.) Sunday Holy fammania

insuring property at fixed valu is would increaseÞ.52: Sunday Schody) sa 3rd Sundays, at

3

S ANDREW's, Kowloon,--Robinson Road, near

1st Sunday in month at now; and tch Sun- satam: Bed and 5th Sundays at 7 pm, Morning Prayer and Semon at 11 am Evening Pray and Sermon, at 6 pm, Children's Serrics

and qrisms, if i

at 3 pm on remaining the cost of insurance and would be to the Suntava, Wolashy Shortened Evening detriment, not

with address, at 6 p.; Congregational the bea fit, of policyholders as practice of hymns. &c. at 15.15. to a whole, Honest claimants receive fait treat-

Hymnal Com- 1 panion quite es ential that the ompaties after the commaeneouent of Service. Appropriatel and provided. All seats are frea ment, and it is should be armed with efficient weapons for sittings are reserved up to that times only. fighting the fraudulent; these are already a too Churchings before or after any of the services numerous class, and any eubstantial modification- and Baptisms as special times, by appointment of the wall-established principles, of fire with the chaplin. The Church is open

daily insurance could scarcely fail to increase their until sunset, and can be used for Prayer and numbers.

Muditation.

A BOOKSELLER AND HIS

CUSTOMERS.

Me. Jarnes Westell, one of the oldest of London booksellers. is "writing his reminie- cences, and in the Book Monthly for June he bas something to say concerning a number of his famous customers One of these was Macsalay, and Mr. Wastell describes him as "not talkative, 8 tria fidgety in his manner, a bookmania a Mr. Westall remembers that the first harry. book he sold roaulay was the Life of Abraham Newland a Governor of the Bank of England. *George Eliot and G. H. Lowis bought books from me," contienned Mr. Westall. and they would drive down from St. John's Wood to do I still, as it were, see George Eliot waiting

RD.

in the shoinkle

ed to be

in the carriage on Mr. Lewis, who would be and AVBY he 400m- thinking, lost in thought." Among the other distinguishod paople who became Mr. Westell's enstomers was Mr. Gladstone. For nearly half a century, "off and on," Mr. Westall knew Mr. Gladstone in connection with books; "he would call at my hop and look over likely volumes, or he would ask me to visit him, er, again, he would har be marked catalogue. Occasionally, I am afraid, I was a little late in getting to Downing-street, where the appointment would be at ton c'olook in the morning, and I would BIT. "LALA 88 uausi: will you excuse me, Mr. Gladstons" "Ob, Mr. Westall," he would answer_good- naturedly, you have so much to do." He was Always most kind, the nicest customer I over had in every

way."

Mr. Gladstone presented Mr. Westell with a bound ant of his Vatican pamphlets, with the name of the author and kindly wishes written on it.

Air. Westal laments that there are few book-buyers left like Mr. Gledalone: "None" he

says, within my knowledge, to compare with him, but fower I mean, who go to work on his lines. He bought all sorte of books likely to be caful, although classical and theological works chiefly interasterl bim, while Horace and Daute were his favourite authore. The new vort of book collector runs more after first editions than merely good books, and this in the most striking change which I should

mote

as boring taken place in the English second-hand. book trade sinne I have been in it. First editions and flue bindings-thess hare be come the rage with collectors." In his book Mr. Westell will give detailed accounts of his conversations with Mr. Gladstone which anght to be very interesting.

ST. Jossen's Cavaca. Garten Road (Roma) Catholic). Mass, Bonediction and Sermo (its English) at 10 n..

Calverts

Carbolic

Toilet Soap

Ensures a

Clear, Soft Skin.

It is pure throughout, fragrantly per furned, emollient, and antiseptic, (10% crystal carbolic). It quickly removes dust and dirt, takes away the un- pleasant effects of perspiration, and leaves Instead a delicious feeling of thorough purification.

Sold by local Chemists and Storekeepers.

Madeby F. G. Calzart & Co. Hanabaster, Bag.

MAKES THE SKIN

as SOFT as VELVET

SEETHAM'S

64-3

Ietauves si ROUGHNESS. REDNESS, HEAT, IRRITATION, TAN, and KEEPS THE SKIN SOFT, SMOOTH, and WHITE ALL THE YEAR ROUND. Delightfully COOLING & REFRESHING

during the summer Botrios

14,19, and 26 each. M. BEETHAM & SON, Cheltenham,

Sarola

78

LEA and

PERRINS'

SAUCE

Assists digestion and gives à delightful piquancy and flavour to all

MEAT DISHES, SOUPS, FISH, CHEESE. CURRIES, GAME, POULTRY & SALADS.

The

Original & Gentine Worcestershire.

is Reys Warrart to

THE KING

Nature's Own Food The concentrated

nourishment of Fresh Milk

PLASMON

One ounce contains more food value than a beef steak.

TRY

PLASMON

OATS

COCOA

OLIVEL

Go twice

as far as

any others

5

SECOND HAND TYPEWRITERS.

SELECTION OF VARIOUS MARKI

AT

PRICES RANGING FROM $50 UPWARDS.

PURCHASERS WILL HAVE THE OPTION OF

·CHANGING FOR, OLIVER'S WITHIN NINE MONTHS When full amount paid for Bacond Hand Machin will be deducted

from Price of New Mashine.

OLIVER TYPEWRITER CO., LTD..

Hongkong, 19th July, 1906,

1. PRINCE'S BUILDING.

NEW

LABEL

FOR

WATSON'S "E"

TRADE MARK

QUALITY

(1055

WHISKY

TRADE MARK

WATSON'S

VERY OLD LIQUEUR

Scotch Whisky

Awatromb

"LIMITED.

HONGKONG CHINA & MANILA.

ESTABLISHED

A.D. 1841.

NOTE: THE BORDER AND TRADE MARKS ON THE LABEL ARE IN GOLD; THE Lethe "E" LITOGRAPHED IN BLK, E ALSO SHARED IN OLD, WILE THE TUREE CENTRAL LINES WATSON'S VERY OLD LIQUEUR SCOTCH WHISKY" ARE LITHOGRAPHED IN RED; THE OTHER PORTIONS OF THE LABEL ARE IN BLACK. Tue CAPSULE ALSO BEARS FACSIMILE SIGNATURE.

1147