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VOL. 7. TV Story of Neii! Do. k o< ifie |l3 ts nt dltiuc LIFE AND ADVENTURES of JACK ENGLE: AN AUTO BIOGRAPHY; IN WHICH THE READER WILL FIND SOME FAMILIAR CHARACTERS, 7&&T' This Story will br completed, in six the Manuscript complete in our hands we the reader to see the end within that time.- I'fkf.at >kyCandidly leader we arv going to toll you a miy -*tpi y. Tho narrative is wri - ter in the first person ; because it was original ly jotted dU wo by the principal actor in it. f>r tho entertainment of a valued Iriond. From that narrative, although tho n some what elaborated, wifh an unimportant bat ing out hire, a* d putting in thaie, there ha*» been no departure in Fubstan- e. The main ii oidants wore of actual oocurreuoi in this goo.i ci y of New York ; and ;hero will be a ,-prink \\ws of our r aier.< by no means small, who will wander how the deuce such facta, (as they hap pea *u kno*v theu<) ever got into print. We shall, in tho narrative, give the perfor mers in this real drama, unreal names ; and lor good reasons, throw just. » nough of «ur own toggery about the m to prevent their biing Iden tified by strangers. Some of the facs embodied in the story have come to our knowledge from >ources o her than that above meatioced These, wo shall add, or withhold, as the interest of the detail » ay de mand. CHAPTER I An approved specimen of young America the Lawyer in his office — Old age , down at the heel—entrance of Telernachus amt Ulysses—a bargain dosed. Punctually at half past 12, the noon day sun shining flat on the pavement of Wall street, a youth with the pious name of Na thaniel, clapt upon his closely crept head, a straw hat, for which he had that very morn ing given the sum of twenty-five cents, and announced his intention of going to his din ner. “Covert Attorney at Law" stared into tho room (i t was a down-town law office) from the door which was opened wide and fastened book, for coolness ; and the re al Covert, at that moment, looked up from his cloth-covered table, in an inner apart ment, whose carpet, book-cases, musty smell, big chair, with leather cushions, and tho panels of only one window out of three be ing opened, and they but partially so, an nounced it as the sanctum of the sovereign master there. That gentleman’s garb marked him as one of the sect of Friends, or Qua hers. He was a tallish men, considerably round-shouldered, with a pale, square, close ly shaven face ; and one who possessed any expertness as a physiognomist, could not mis take a certain sanctimonious Satanic look out of the eyes. From some susp'don that ho didn’t appear well in that part of hia coun tenance, perhaps it was, Mr. Covert had n practice of casting down his visual organs On this occasion, however, they lighted on his errand-boy. “Yes, go to thy dinner; both can go,” said he, “for I want to be alone.” And Wigglesworth, the clerk, a tobacco scented old man—he smoked and ohowed in cessantly—left his high stool, in the corner where he had been slowly copying seme doc ument , Old Wigglesworth ! I must drop a word of praise and regret upon you here ; for the Lord gave you a good soul, ridiculous old oodger that you were. 1 kuow few more melancholy sights than these old men present, whom you see here and there about New York ; apparently without chick or child, very poor, their lips caved in upon toothless gums, dressed in seedy and greasy clothes, and ending their lives on that just debatable ground between honorable starvation and the poor house. Old Wigglesworth hadhiau well-rtf .OUC©,. The key to his losses, and his old age uf pen ury, was nothing more nor less than intem perance. He did not get drunk, out and out, but he was never perfectly sober. Co vert now employed him at a salary of four dollars a week. Nathaniel, before-mentioned, was a small boy, with a boundless ambition ; the utter most end aud aim of which was that he might one day drive a fast horse of his own on Third avenue. In the mean time, ho smoked cheap cigars, cultivated with tenderness up on his temples, hia bright brown hair, la that form denominated “soap-lock,” and swept out the office and ran the errands ; occa sionally stopping to settle a dispute by tongue or fist. For Nathaniel was brave, and had a constitutional tendency to thrust bis own opinions upon other people by force if necessary Freed from the presence of the two, Mr. Covert sat meditating and writing alternate ly; until he had finished a letter, on which he evidently bestowed considerable pains.— Ho then folded, enveloped, sealed it, and locked it his desk. A tap at the door. “Come in.” Two persons enter. One is a hearty mid dle-aged man, of what is called the working classes. The other is your humble servant, who takes all this pains in narrating Ws ad ventures, for your entertainment; his name is Jack Engle, and at the time of this intro duction he is of the roystering age of twenty —stands about five feet ten, in his stocking feet —carries a pair of brown eyes and red cheeks to match, and looks mighty sharp at the girls as they go home through Nassau street from their work down town “Mr. Covert, I suppose,” said my com panion. “That is my name, sir. Will thee be seat ed ?” “My name’s Foster,” settling himself in a chair, and putting his baton the table, “you pot a line from mo the other day, I sup pose ?” “Ah, yos—yes,” slowly answered the lawyer. Then looking at mo, “and this is tho young man, then ?” “This is the young man, sir; and wo have come to see whether we can settle the thing. You see I want him to be a lawyer, which is a trade he does not much like, and would not himself have chosen. But I rather set my heart upon it; and he is a boy that gives in to me, and has agreed to study at the busi ness for one year faithfully. And then 1 have agreed to let him have his own way.” “Ho is not thy son, I think I understood,” said Covert.” “Not exactly,” answered •the olhor, “and yet so near the same as to make no difference. Now yon know my mind, and as I am a man of few words, I should like to know yours.” “Well, wo will try him, Mr. Foster, at any rate.” Then turning to mo, “If thee will come in here to-morrow forenoon, young man, be tween nine and ten, 1 shall have more leisure fora talk ; and we will then make a begin ning. Although I warn thee in advance that it will depend entirely upon thyself how thee gets along. My own part will be no thing more than to point out the best road.” Which endeth the first chapter. • CHAPTER 11. The worthy milkman, and how he. trusted people ; and the wonderful tuck he had one morning in finding a precious trea sure. This chapter is necessarily retrospective of. the proceeding one. Among the earliest customers of Ephraim Poster, there came one morning a little white-headed boy, neither handsome nor ugly. Ephraim kept a shop in one of the thoroughfares that cross Grand street, cast of the Bowery; he sold milk, eggs, and sundry etceteras—in winter adding to his avocations, those of a purveyor of pork and sausage meat, which is a driving and a thriv ing trade, hereabout, in cold weather. Pair America rivals ancient Greece in its love of pork. At the proper season, you may see, thickly set through the streets, the places for furnishing this favorite winter eating; beautiful red and white slices, mighty hams, either fresh or smoked, sides iud fore quarters--and, at intervals, a grin ning head with fat cheeks and ears erect. — Still more preferable to some, is the power fully spiced sausage meat, or the jelly-like head-cheese. In the preparation of the latter articles, the worthy Ephraim always did wonders; and folks had confidence in him—which is a great deal to bestow on a sausage vender. — However, he deserved it all. He deserved more. He was one of the best fellows that ever lived. People said now and then that he would never sat the North Elver a-fjre ; and yet Foster jogged along, even in his pecuniary affairs, faster and steadier than some who had the reputation of much supe rior cunning. He was, without thinking of it at all, constitutionally kind, liberal, and unselfish. It was in an humble way, to he sure; but none the less credit for that.— He had a knack of making mistakes against his own interest—giving the customer the odd pennies, and never gouging in weight or measure. Then although tho usual sign of “No Trust” hung up over the counter, Ephraim aid trust very much—particularly if the family asking indulgence were poor, or the ather or mother was sick Although this faulted several times in had debts that were 0 wifle to a man in his sort of business, it NO. 16. numbers , or less. The writer having placed • half give such quantities weekly as to enable Eds was .marvellous how in the long run he didn't really lose. One time, a year after a certain {humping bill had been utterly despaired of, and the poor journeyman cabinet makerowing it had moved to another part of the city, things grew brighter with him, and he came round one cool evening to pay up like a man and make Ephraim’s wife a pretty present of u work-box Another time when the long, long score of a poor woman, with little children, had been allowed to accumulate nearly all winter- for otherwise, they would have starved—the husband, an intemperate, shiftless character, died, and the woman was taken away by her friends But strange to tell, who should be engaged, by and by, as cook in tho house of a wealthy family three blocks off, but this very same woman —who grew fat and rosy iu a good place, and not only paid the old score, long as it was, —(although Ephraim himself told her it was no matter, and might as well go, now; but the worthy cook began to grow angry then)—not only did she settle the bill, but sent her old friend a deal of profitable cus tom. The story of his good deeds went to the cars of the mistress, and thence info other people’s ; and you may depend Ephraim didn’t lose anything by that. So with all his soft-heartedness the man might be said to gain nearly enough to balance the really bad accounts; for they were not always coming back, after he gave them up—those unfortunate bills. This was the sort of personage that the little flax-headed boy was lucky enough to come to. He didn’t seem to have performed any morning toilet; he was bare-headed and bare-footed ; finally he was about ten years old. * • “And who arc you my man ?” said Eph riam, for he had never seen the youngster before, although he knew, or thought so, every mother’s child for a dozen blocks around. The tow head ■ looked up in the shopkeep er’s face and answered that his usual apptla tion was Jack. “And where do you come from ?” continu ed Ephraim. Master Jack looked up again, but return ed no reply at all. He drew in a long breath and let it out again,—that sort of half sigh that children sometimes make; still keeping his eyes at Ephraim’s. “I want some breakfast,” boldly came from his lips at last. Ephraim stopped a moment in hia work of hauling out before tho door his stands and milk cans; but the bit of astonishment was followed by something very much like grati fied vanity. It wouldn’t be every man, or woman either, that a little unfortunate, might appeal to with the stylo of Jack's •la conic speech. It was not a style where ef frontery or the callous tone of an accustom od beggar struck out. It was rather like saying—sir, 1 see that you have a good heart, and that it always delights yo to do a charitable deed. There was apother thing. Ephraim had, ten months before, been the posaessor'of a little white head, not much different from Jack's, only a good deal younger. But it was its fate one melancholy evening, to be the subject of the consultation of three doctors of medicine, who attended it for five succes sive days. At the end of that time the little head was whiter than ever, for it was dead. So the good fellow’s heart, thenceforward, warmed toward children with a still deeper warmth than before. Without any more ado, or any talk about it, the milkman and the child By silent con jimb tv. form a mental compact.— Tho now assistant took holff; and the two helped each other in all the preparations and putting to lights. Tow-head sprinkled tho flagstones in front, and swept them off; he would have don# the same thing to tho floor inside—only the owner himself had done it already. As ho bustled and brusfaedahout, Ephraim more than once stopped, under the influence of a meditative abstraction; ho probably weighed in his mind the chances of the new comer's honesty - - for he looked closely at him from time to time. What particular notions flitted through the tow-head, I now forget. And yet I ought to know something about it, for I was myself the forsaken young vag abond, who found a friend in that pearl of a milkman. The spirit of Christ impelled you, Ephraim, whether you knew it or not. If 1 had been turned off with a surly answer, there might have been a body lost—or per haps a soul ; for I was sorely distressed Parentless and homeless—just at the turning point where familiarity with crime is devel oped into something worse—such was I when you took me in aud ministered unto me. Something for Ihe special consideration of those who pay two hundred a year pew rent, and lake Ihe sacrament from vessels of silver and gold.: Billjiggs, his life and death ; wounds, and ba/nl for the some. At this time, I have only a confused and occasionally distinct recollection or my for tunes previous to the morning at the milk man’s. You have doubtless, supposing you to have lived in or ever visited Now-York, seen there many a little vagabond, in dirty tatters and shirtleSs. They generally wander along in men’s boots, picked up somewhere, whose disproportionate size makes it necessary for them to keep their feet sliding along, without lifting from the ground. The shuffling move ment thus acquired sometimes sticks to them through life. Nobody cither cares, or appears to care, for these juvenile loafers. Some arc tie children of shame, and are cast out because they would be a perpetual memento of dis grace to their generators. Some are orphans of the poorest classes. Others run away from parental brutality; which is pretty plentiful, after all, among both high and low Others again take to the streets for very sus tenance ; those who should naturally be their protectors living lives of drunkenness and improvidence. The revelations,of the Reports of the Chief of the Police, about this extensive element in what is termed tho rising generation, are terrible and romantic in their naked facts, far beyond any romance of tho novelist. What I remember of my life previous to my introduction in the second chapter, was mostly located among this class. We were indeed wanderers upon the face of tho earth ; although our travels did not extend beyond tho limits of the city, and the places within a few miles distance. The only principle that controlled us was the instinct to live, animally; to cat, (if we could get it,) when we were hungry, and to lie down and sleep wherever weariness overtook us. J have a very clear recollection of a most intimate crony,with whom 1 shared luck and adventures; and who did the same with me. He was a little older than myself. His name, he alwiys said, was William, or Bill, Jiggs; but we all used to call him Billjiggs, for con venience. Billjiggs was quite a magnificent fellow. When elated or very good humored, indeed, he was wont to announce himself as one of the boys you read of iu the Scriptures; though which of those numerous worthies he meant, bo never specified. He had red hair, —very rod. It was never combed ; but it was cut every lew days, by the friend whp happened to be handiest; sometimes with a scissors, sometimes with a jacknife, sharpened for the work ; and once, 1 remember with a broad axe. I had the honor of handling the imple ment myself on that occasion. Some oarpen iers, at work on a now house, had gone to dinner near by, and left, their tools lying loose around. Poor Billjiggs! I came very near laying his head open. My friend would never allow me to bo im posed upon by superior force or canning; and though I was too little to add much to his weight in his own quarrels, stiil I sometimes managed to oast the balance iu bis favor, in cases where the odds were pretty nearly even For Billjiggs was pugnacious; he entered into quarrels and fights on the smallest pre tence, and sometimes received horrible drub bings. One day, I remember, he pitched into a boy considerably bigger than himself, for some curt rejoinder to a critical remark of Billjiggs, about a certain spotted cap which the aforesaid Boy chose to wear on his head. He of the spotted cap got considerably the worst of the battle, which waxed hot; when ho was fain to seize a good sized, paving stone that happened to be loose in the street, and dealt Bxßjiggs such a blow on the side of his head that he fell flat and senseless on tho ground, and the blood poured forth free ly ; the victor taking to his heels like a good fellow. I mention this incident because it was the means of my first seeing an individual who years Afterward, (as the reader will find in the course of the story,) played a prominent part in the affairs of my life, Billjiggs was carried in tho nearest base ment, and restoratives applied to him. An old Quaker lady, and a little girl of CHAPTER 111. ,my own age, appeared to be the only ones at h'»me. The old lady was very kind in her manner; and after washing Billjigga’s dirty and bloody bead, and'applying plasters from the neighboring druggist’s, bound it up in her own*large, clean, white linen handker chief. The little girl had to fasten th« knot in it, for the old lady’s fingers were not nimble enough She did so very tenderly and neatly; and she seemed to me, as I looked at her, to be a little red-checked an gel from Heaven. Billjigga afterwards kept that handker chief and couldn’t be induced to part with it any way. He took it with him to Mexico, several years afterward ; where the poor fellow met with an uglier wound than that of the paving stone; and no old Quaker lady to look after him; a wound which sent him to a grave among the prickly cactuses. Such was the end of Billjiggs; than whom there are many worse young men, who dress in clean shirts, with straight high collars, and go to church of a Sunday. This little girl—the old lady called her Martha- spoke so pleasantly to me, too; and the old lady,when we went away, told me to come there from time to time, and get what she had to bestow, either of food or cloth - ing. I don’t knowhow it was; but neither I nor my friend ever stepped foot in that base ment afterward, even when we were the hun griest For the first time almost in our lives, wo had been treated with rational be nevolence, and as if we were real human beings. I know, in my own case, it touched me with a feeling I never remembered be fore Although t would have died for the old lady, or the child, I felt something like pride toward them ? or perhaps for their good opinion My impression is to this day, that the little episode I have just described; that gentle old face surrounded with the plain lace edging of its cap, and the silver hair so smoothly folded —and that other face, em blem of purity and infantile goodness—and the glimpse that came upon me, of a happy, peaceful, honest, well ordered life; my be lief is, I say, that all this acted with the in flucncc of a good genius upon me, afterward Child ah I was, (ah, how far more deeply childreu think, than most people imagine!) I saw something of the moral of the differ ence between the meanness and poverty and degradation of my class, and the delicacy and wholesomeness and safety of that Quaker family. I knew that I was of the same flesh and blood, and the same nature, as they. 1 was encouraged, and ah how much more benefited by their really respectful kindness, than they dreamed of! And here is a consideration, that the the orist on the evils of society might build a big structure upon; but as lam only jotting down a story of incidents, 1 will leave who ever sees these paragraphs, to carry out the train of thought for himself. CHAPTER IV, A hint for unsuccessful schoolmasters and parents ; the first woman with whom 1 fell in love; my teens, and how they went; I make a beginning at the big cheese; which leads to a dinner for three. Whatever seeds of evil and degradation my life in the streets had infused in my character, before I took up my abode with Ephraim Foster, had no chance to grow af terward. Both his wife and himself treated me like a son; and better than many people treat their sons. Kindness choked out all lingering tendencies to mischief within mo; and tho sentiment which just flickered a moment in my mind, when we were in the basement of the Quaker lady’s house, here grew into form auiperrnanence; and I loved that rough husk of a fellow with a love which was only overtopped by my affection for my dear mother, (as I always call her) his wife Violet. Violet! that was the name of one for whom I bear a sentiment imperishable until my heart perishes! Let me describe, her. , , , This woman with the name ot a frail and humble flower, had the bodily height and breadth, of a good sized man. She was a country girl, when Ephraim married her, and loved to work out doors. Her features were coarse; only her complexion was clean and healthy; and her eyes beamed with per petual cheerfulness, and willingness to oblige. She had little education and what is called in the hot-house taste of the pre sent day, intellect. She had no more idea of what are now called Woman’s Rights, than of the sublimest wonders of geology. But she had a beautiful soul; and her coarse big features were lighted up with more sweetness, tome, than any Madonna of Ita lian masters. With the strength of a horse, Violet pos sessed the gentleness of a dove. How sweet ly tasted the first food she prepared for me ; how fresh and fragrant the homely clothes, I was given to put on that morning, after a bath in a big tub in the woodhouse; and how kindly the tone in which I was remind ed of observances about the place, that day. For Violet was a critical housekeeper, and dirt was an abomination in her eyes. Patient, considerate, self-denying. Mo ther ! blessed is the borne, blessed are the children, where such as you are found. Nearly ten years of my life were here passed, smoothly and happily. A great por tion of the last six, was spent at school: al though I often wished to stop that, and uu dertake some trade, or employment; but my. parents would not have it so. They pros pered fairly ; and said that they mode a de cent living enough now, and it would per haps be my turn by aud by, when they grew old. Ephraim had his mind set on my following the profession of the law. I did not steadily oppose him in this, after I found it was a darling notion; but tho truth was, it by no means agreed with my own fancy. The brightest jewel, saith the Persian poet, that glitters on the neck of the young man, is the spirit of adventure. I felt this spirit within me; but I repressed it, and made it dumb, for I regarded their feelings who had lifted me into life, worthy to bo so called. You already know of my introduction to the lawyer Covert. I went the next day ac cording to appointment, and made a begin ning. This consisted simply in my master’s giving me an, outline of the course of prima ry reading for a law student; and in my getting familiar with the office, just to take the rawness off. I was much amused with Nathaniel, the office-boy, and felt a sincere pity for old Wigglesworth ; and before tho morning pass ed away wo three were on very good terms together. Nat was pert enough, but he had a fund of real wit, of which he was suffi ciently lavish, in season, and out of season. He saluted mo with gravity as “ Hon Cesar de Bazan;” from a resemblance he assumed to discover between myself aud tho player of that part at the theatre which Nathaniel was in the habit of honoring with an occa sional shilling, aud his presence. And Don Cesar ho persisted in calling me from that time. “ Let not my lord forgot that the banquet waits,” said this precious youth, with a droll obeisance It was half past 12, and I wag to treat to a cheap diuner that day, in commemmora tion of the important era of my career. We knew that Mr. Covert had an appoint ment fo meet some clients at this time, and, (as Wigglcsworth told mo very often hap pened,) he signified'his wish for a clear kit chen. The parties just anticipated our depar ture Two ladies came in a carriage, which we saw at the door; a big black driver, dressed in a cape surtout, seated on the box. These ladies, (this Wigglesworth also told me in tho street) were the wealthy Madam Seligny and her daughter. Madam was fat enough, and red enough; had a hooked nose, and keen black eyes. Her person glistened and rustled with jewelry aud silks, diffusing a strong scent of musk, with every move ment. She had a yellow silk bonnet, set back on her head ; and her fat hands gloved in white kid, applied a perfumed handker chief. of costly lace, to tho before-mentioned nose. She waddled, rather than walked, and sank down panting in the great chair which Mr. Covert had placed for her. Rebecca, the daughter, offered mettle more attractive. She was a pretty good spe cimen of Israelitish beauty, tall and slen der, and in the full maturity of womanhood She dressed with some taste, although rich ly, and with a little of her national fondness for jewelry. • Going down stairs, T was aware that Mr. Covert, from the inside, shut tho door and looked it. Our dinner was eaten, with much appro val and not a little mirth. We had some sparkling cider, which Nathaniel declared made him feel quite young again. Wigglcs worth brightened up too, and offered a toast wishing that I might have the very best luck tho law could offer. “ That,” said Nat, “ would be to hold on where you are, and never put your foot in Covert’s office again. For if you want to know this child’s opinion about him, it is just ” But tho boy stopped himself suddenly, and iu a few moments we adjourned. In the next chapter I shall fill up the blank Nat left; and also tell how I got along at the law. To lie Continued. The Secretary of the Pasha of Egypt has arrived in Paris, on a special mission. c V.C.BCVO NEW YORK, SUNDAY MORNIN BUILDING ASSOCIATIONS; Thx origin and advantages of these Societies , and the objections to them—The principle upon whupi they are based—The. law wyler which they ate •organized—With a list of the Associations m/w in existence. The rapid formation of Ha iring Ausociatb m In our mid t, and the apparently »xa-ggerated promises 1 eld out of immense increase to share holders, by mvecting small morth y suo*« of from two to three dollars p‘>r share, to bo uUi mhtdly valued at from. SSOO to SBOO, i ai called forth much discussion from the da ly and week ly presi. A superficial vew of the workings of those societies may load tho investigator to eon damn tho theor/ • f As.aoi: t;on as exemplified in these combinations. How is it. pcssib'e. ho asks unless you evsort to bbe wildest speculatton, to realize in the short p ice of seven or 6’ght year,?, from an investment piyabte in monthly in tab merits of three debars or t o d liars, amounting in all to $252 or S2BB, SSOO or SBOO ? As we have nai f, at toe first gla .oe the subject loots preposterous lor If the S2BB were permanently iovested for eight years it w ill be but .slightly in oreasi d i stlf, whereas the Accumulating Fund Societies, for every dollar invested, promises to make it worth more than three dollars at the ex pirali nof the given time. The objooliox.s and fears very generally expressed are f< un.Ud upon lallac ojs cruel miens draw a from * ta neousprin oip »s, and in the ample s ope which wo h «veal lowed oun-elvts in this article wo shall indoavor to lay the theory of Association so plain, bt fore the reader that he oanoot resist the oonvio tio s of his own mind, and if he gathers 1 if*r enoos contrary to tho prom sed bemfioiel cff. o’a of fh lie societies, ho u»ut be influenced by o'her the » xpiana'iou now (.'acod befoie him. — Wo do no , however, promise to cover tie entire subject matter under cons deration. An associ ative effort which will probably *nlist bo ore many years the groat majority of the laboring classes, cam ot be lightly nor trivially passed over in one article. At this time, the hiuory of tho origin of those societies, uni the good they have already dene, may bo acceptable. The idea of assoc atiou for the purchase of re*l 0,-tate and c-rjotion of comfortable bounce for the labor! - g olafsoe', had its origin among a cool, calculating race of people—a people not eaii y led a.tray by dazzling promise, rich rewards, or uncertain speculations. The Scotch wero the first to turn their attention to the subject. Some where about the year 1816, in an obscure manu facturing town in Scotland, certain laborers, who had for many yearn been paying rent for in sufficient shelter from tho elements, came tege gother, and found on comparirg notes that they had repaid double tho value of the property which they occupied to the lord of tho soil, and although they had done this good service to him for many years, they were not one cent tho rich or in consequence—tho property which, as ten an s, they occupied, although paid for twice over, was not »heirs, end if they to live under the same relatione, an equal number of future years, they would have to pay four times its value ar.d remain landless—continue tenants. The idea ook hold of their minds, and they forthwith re solved to elaborate a system 'thro* which, by pay ing tho same rent, they might, ultimately hold the property, not as their landlord’s, but as their own. An asso-da'icn was formed, weekly dues were and as fast as the money was received into the treasury, i - , was turned over and over, B,ud made use of to such good advantage, tha‘ in an incredibly fclr rfc time the association per formed all it promised to accomplish, and every member wat a householder in his own undo put ed right. • The success of this association, defective as it was in many particulars, induced other laborers to combine, and soon society after society was formed in Scotland, all of which happily termi minatod. The people of England, hearing of this new class of combination , enlisted in the scheme, improved its workings, and to such favor ... .V- thousand five hundred building associations were organized in Great Britain, and wore by act of Parliament, bearing date, wo believe, February, 1830, duly and legally recognized. Many of the English societies have satisfactorily wound up their business, and others are rapidly approach ing tho desired end. Toward the close of the year 1845, an attempt was made in this city to organize an accumu lating fund association, on the plan of the Eng lish societies. It was, however, a failure. The failure was owing to the ignorance of the workers and the distrust of the people. But few were found who would risk their savings The second attempt was more successful, in 1848, certain Englishmen, thoroughly conversant with the workings of these accumulating socie ties, took tho matter in hand, and soon the First American Building and Accumulating Fund As sociation was successfully established. Mr. John Brace, a mechanic honorably known in our city, was elected president, and Mr. Solomon Jesaurun, secretary, The shares wore put up at S6OO, and the monthly dues placed at $2.50. It should be recollected that this was the second attempt— the first society being a failure—and shareholders thus far have paid in about $l2O, yet so prosper ous is it that Mr. Jessurun stands prepared to purchase shares at the price of $220 The third annual report states each share in the Association to be worth $275 62. If, after this, any one cavils at building associations, it is because they are more anxious for dispntntiou than for testing the matter by unprejudiced investigation. The crude societies of Scotland and England have worked to a charm, and if we are to believe parliamentary reports, not one of tho thousands which have wound up their business in the Brit ish Islands have failed to fulfil their promises ! it has been objected that there is no adequate security given by officers for the proper perform ances dt their duties. A perusal of the Act of ihe Legislature of this State, passed April 10, 1850, will set at rest all fear which may be enter tained on that score With ref ronoe to mortgages, it has been said that societies mortgage to tho fall value, and that if a foreclosure wero necessary and forced sale had, much of (ho property bonded would not bring more than one-half the face of tho mort gage. If they bring one-half, the society is sc oured. The process by which this is accomplish ed is simple. Notwithstanding tho amount of money tho p:rson against whom tho mortgsgeis hold, notwithstanding" the fact of his giving a probable premium of S4OO, the value of tho pro* .sorty is hold to fail satisfaction of the bond, as may bo seen by tea ling sections 1,2, 7of the Act. Those objections being thus summarily disposed of, before wo proceed further in oonsid oration of tho objections offered, wo may bo per mitted to introduce an abstract from thi? first se mi-annual report of tho “Fourth American Build ing Association,” made November 10, 1851 Tho abstract here inserted is entitled the “ P;o --fi; and Loss Account”: Dr. By Expenses S 345 7ft " Balance being ne«ain $10,617 i>7 Which amoiy 1 016 shares is 07 Add dues paid G months . sls 10 Fresant value of each share, ssl 98 $40,968 12 Or. By Entrance Fees § 1,084 00 ** do in arrears 80 (0 “ Redemption Fees 20.5 00 “Transfer Fees 84 00 “Fines 97 00 “ Redemption Fees and Fines in arrears. . 61 76 “I*2 Shares redeemed 39,381 00 “Should,” says the Secretary, in conclusion, “the above ho the average rate of profits, this association will terminate in five years Jive months ami fourteen days , from the commencement, when each share will have obtained its value of $600.” This statement is verified by the Finance Com mittee, Samuel Southorilcn, Jacob Pecaro, and Charles M. Brown, “who,” in the words of these gentlemen, “would have shown a more splendid balance sheet by admitting a portion of tho 29 shares unpaid; hat they felt that the state of tho association rendered it quite unnecessary, and tho committee proud of their position in tho association, and still prouder of tho association itself, feel it unnecessary to add another word on the subject of the report now submitted,”— Whatever may bo said by cavillers—those who would excite distrust iu the bosoms of mechanics and laborers, they cannot very well get over the figures and report of the Finance Committee of the “Fourth American Building Association.” But as Mr. Millie en is more explicit on this point, we shall leave it with those gentlemen anxious to destroy confidence in these associa tions, to answer his logic. Tho National Democrat and the Police dazetle, have published two or three articles adverse to associations. The reasoning of tho first mime! paper may be readily disposed of. In an article in the Wednesday issue, the Democrat says— “ We cannot sec a single adv mtage to a man,who vants a homo, by becoming a member of one ol these associa tions, and which advantage ho cannot have by not being a member.” On Thursday it undertook to satisfactorily maintain the position it had assumed in the words quoted abov§. An extract from the ar i cle will show the insufficiency of the arguments adduced “If the borrower will visit Williamsburgh. Hoboken or Jersey City, he can liiro a cotta/e worth $750 for about $76 per annum: which is 10 per cent on th l - cost. There is no trouble in getting houses anywhere at. ten per cent, per annum oe their cost. They may be bad much less ail around New York. Hut w> will allow that he is com pelled to pay that rent - ha would thus pay in ten years $760 rent. The misfortune of the postulate set forth, lies in the absurdity of its attempt to disprove one supposed extravagance by introducing another. The writer gravely asserts that a tenant may hire ia VVUltamsbirgh, Hoboken, or Joi soy City, a cottage for $75 per annum. We know several mechanics readouts of the places named, who would without hesitation give up all Building Associations, if houses, exclusive of ferriage, could be hired for any such sum. Wo have no hesitation in saying that there is not a cottage ini all WiUiampburgb, unless indeed you compel a man to travel two miles from the ferry, to be rented for the amount specified. Real estate al auction b injs more in either of those places than lots will above Fiftieth street. New York. The whole article is fault-finding, fallacious and ridiculous from its title to its dash. The National Democrat must, if it is desirous of establishing a prejudice adverse to the asso ciative theory, advance something more sound than any adventitious doctrine it has yet brought forward. Ridicule may frighten many out of their wits, but it has ever failed to convince peo ple that black was white or white black. There is a sincerity about the Police Gaeztte which commands our respect. And although we are not convinced by any inferences or conclu sions wh ch it has as yet drawn, yet the editor of that paper treats the matter as if he were anxious to arrive at fair coirclusions. While he blinds you with his sophistry, he does not exult over the trick of throwing dust into your eyes. As we feel bound to give fair play to both sides of the question, we insert the following— As the examination is au intricate one, we most proceed carefully, and in this view, it may be well lo state again, even at the expense ot a slight reiteration, what the pro gramme of a Building Association is, that on payment ot an entrance tee of two dollars, and $3 thereafter pet month, for eight venire, the depositor obtains one share, and will be entitled, at the end of that time, to SWOU$ W OU in cash, for the $290 paid in. If. on the other hand, he wish es to build or buy at once, and not use the Association as n Savings Institution, ho taken au extra share, and on these 1 wo shares asks n loan, to enable him to buy a little house and lot that have bit his lancy. lie asks for this loan nt a monthly meeting, and as there are competitors against him for the few l'*nds on hand, an auction of the loan at once oomnunces. If he has no real competitor, those of the members who do not wish to build, and who intend to use the Association merely as a Savings Bank, make themselves pretended competitors, lor it is their money that is loaned, and they naturally wish to make the borrower pay *8 muoh as possible to the general fond, to which they look for dividends. So they pit their cun n*ng against his wants, or h»s infatuation—a game of Pe ter Funkism commences, the premium ia bid up nearly to the cracking point, and the game nausea until the next monthly meeting • fters some fresh pigeons for general pinching. The mode of borrowing is as follows: “I want money on these two shares, worth ultimately SBOO apiece!” says the applicant. “ How much less than the $lC()0will you take for the nominal loan of that sum?” say the trustees. “ I will take S6OO on a share, and pavinterest for $800,” is the answer. *• 1 will do the same tor SSOO a shnre,” says one of tho lending members. *• I will take S4OO a share, says the borrower, which being double in terest for the SBOO, is considered enough, and the auction stops. The money is not given to the borrower, but he points out. the house and lothe wants, which is worth just SBOO, and the Trustees buy it for him, f ake a mortgage on it for SI6OO, (very poor security for the lenders, by the way.) and let him go in, exacting, however, dining the entire eight years, the three dollars a month on each scare, and in the end giving him a clear deed to tho pro pe;ty. telling hi in th: I he nas got it virtually for nothing. We, however, think vt is something, and will therefore try and see how large this nothing is : The borrower pays on bis two shares $3 each per month, which make.sattbe end of the year... $72 00 Interest atfi percent, on SI6OO 96 00 Annual Insurance *” goo Taxu..... 80 0 Assessments on properly out of town probably S3O, say 10 (H) Repairs 10 00 To!*! S2O-1 00 He could hire this Maine house of a landlord for • 9 per cent., which is 72, or say 76 00 Saving per year $l2O 00 Now, if. instead of paying this $129 a year to the Asso ciation, he puts it out at interest in the usual way, he th en have lit the end of eight years, at 6 per cent. $1,104 74, in hen of a house and lot, worth, at the selling estimate, and when the house was new. only SBOO, leaving a balance of $304 74 in favor of retaining bis own money, and putting it out on bond and mortgage, or otherwise on . county worth double the amount. But the calcula tion is not quite complete. We have not added to this saving the expenses attending the transactions witli the Association, of $4 as entrance fees on the two shares; surveyors fees not Jess than $10; searchirg title, $5; deed, $o; mortgage, $5; recording mortgage, 75 cents: member s book, 2o cents. These extr a togo her make up $.«» preliminary expenses, which, w ith interest at six per cent, for eight vesrs. amounts to 42 60, This added to the saving of $304 74. makes a full aggregate of $347 34. Horn is a plain comparison of tho two systems, made point by point with figures; and figure- cannot lie The only way m which the advocates and defenders of Build ing Associations attempt to oppose and reverse it is bv assuming that landlords got out of tenants a rate of rent tii-, t amounts to fifteen por cent, on the value of their property. This, however, is not only erroneous, but in sincere. Seven-eights of the landed property in k'ew 1 ork does not net six percent, after assessments, taxes and repairs are paid, and much of it produces only four The average is six. and f<r the corr-cincm of this statement wo would not hesitate to refer to the agents ot tho Astor and Lorillard estates, and to appeal to all the experience that can be gathered on the subject from lawyer s offices, and from dealers and brokers in real estate. As another evidence of the fallacy of the pretensions of these Associations, capitalists refuse to touch th*in (and it is easy enough to get any number of shares bv proxy.) but on the contrary, there are several of them 0? k fchSteT ,|, & K,adly sell ou Building Associ ot s■*', with the deed, .-onus, at the end of ei»K* The Police Gazette declares that, as an evidence of the unsoundness of these association, “capi talists refuse to touch them.” This is gratuit ous. If tho editor of the Gazette had taken the trouble to enquire into the matter, ho would have found that “capitalists,” are only too anxious to avail themselves of the advantages offered; and to keep these very “ capitalists ” out, laws are framed under which they cannot purchase more than five shares. If at anytime it is found that they have, by chicanery gotten possession of more than tho prescribed number, they forfeit them back to the association. We can, in five min utes, place our hand upon a gentleman who at this time, has not less than seventy-three shares in various bulling associations. We know, also, that he would not invest his money where he was not likely to realize more than seven per cent, per annum. The clap trap cry of “ usury ” which the Gazette employs, is unworthy of its astute reputation. It is a miserable fling, bearing with it no weight, but a good deal of suspiscion; and instead of tending to convince a sensible reader, dis gusts him with the inductions offered to his con sideration. The knowledge of mankind of which the Ga zette so boastingly prates, amounts to nothing The law in this case, as in almost every other in corporated body,punishes even to bitterness, the delinquent offender. The editor of the Gazette will find much food for reflection in the act of April 10, 1850. We have italicized some sections of the law, which we think it would be well for objectors to look carefully over. Wo are indebted toMr.MiLLiKKN, a gentleman favorably known to the community as an advo cate of these associative movements, for tho fol lowing lucid explanation of tho theory upon which they are constructed : It is somewhat suipriting that such a want of information is niauife.'ted, by those who assume to make the disoustiou oi‘commerce and finance*- thoxr profession, concerning tho principle upon which the operations of the various building as sociations among ns »re ooi ducted. Without delaying to meet all the petty objections that are raised, and are common to all financial schemes, permit me to remark that the only one that can be of any peculiar importance is con tained in the general *.ffirmation that these asso ciations promise 100 much. 1 hey are denounced, not because they may not be of vast benefit, but because these benefit* may be exaggerated. My object is simply to state as cor oisely as possible what 1 conceive to be their theory, and to glance at the benefits derivable from ibis theory, and fully developed in their practical operations For the purpose of greater perspicuity in pursu ing our argument wo will introduce an associa tion limited to one thousand shares, tho ultimate value of each shaie to ho SBOO, the monthly pay ment upon each unredeemed share to he $3 00, and upon each redeemed share $7 00. Thetotal capital to bo accumulated will bo SBOO,OOO. The amount and rate of payment being givtn, there remains only the un/ation of the association to be determined, and this depends entirely upon the profits made. Ail amounts paid into the association go into the general fund, and every dollar beyond the monthly instalment of $3 00 is a clear gain. Without any profit, or by imply pouring tho amount arising from dues into this general'fund, $828,0C0 will have been accumulated in 23 years. Therefore, assuming that nil expentes during this time will amount to $28,000, the association will terminate in 23 years, without earning any profits of any kind. This then must be the utmost limit, for the with drawal of any number of shares will not affect the result, because each withdrawal proportion ate y diminishes the ultimate capital. Now if any profits be earned, and all go into a general fund finally to bo equitably distributed among all the shares, and this profit be equal to that usually derived from safe investments, wo need only show that the expenses are smaller than usually attend the management of the same amount of capital, to prove that each share will necessarily receive a larger amount of prefit than mual. Tho total amount of expense is briefly tho salary of the secretary, rent, and stationery An extra expense attend* the organization, which is much more than met by tho entrance foe. In fact the profits arising from the invest ment of this iqe in tho association, will nearly cover all expenses. It must be at once apparonl that fioco all these expenses are subject to the control of members, they will never reach a larger amount than is required for tie transac tion of business. SBOO or S9OO per annum may be'considered tho maximum oxpendituio. It must than bo admitted that the exper.se of management is smaller than that which ufually attends the investment of the same capital. Now it is plain that these a : yooiationsi possess< at least equal faoihttei with any other institu tions for the investment of funds upon good scon rity, such as bond and mortgage upon rial estate. Therefore tho profits must bo as great as ate usunlly earned by such investment *<0,96.1 12 Tho conclusion is therefore unavoidable that this is tho most profitable means of investment for small sums, even assuming tnat not a single advantage peculiar to the Association is employ ed but the low rate of expense. This is the min imum of profit, and the maximum alone is un certain. But here arises another source of profit flowing from tho principle of association. We have said there are two rates of payment, each by monthly instalments, one of |3, and the other of $7. Every redeemed or borrowed share pays an interest of 6 per cent upon its ultimate value v MARCH 14, 1852, of SBOO, which is S4B per year, or $4 per month, and this added to the dut-s makes $7 per month. Now, without any further advantage than the mere investment of the funds accumulated monthly wo have an interest of 6 per cent, com pounded twelve times per annum, upon every dollar invested. Consequently, the lowest rate of profit upon each share must bo 6 per cent per annum, compounded monthly, from which are to be deducted the current expenses. It baa been seen that the monthly payment upon each redeemed share is s7—therefore if the borrower agrees to receive a sum less than the ultimate value of his share, and coutinues the same month ly payment, he will evidently increase the ratio of his payment. And this occurs after this man ner, When the funds of the Association reach SBO0 —the ultimate value of one share —this sum is equally the property of every share in the So ciety. The question then arises to whom shall it be given. And this is decided in the follow ing manner. The SBOO is held up to competition among the members, and ho who bids highest receives the loan. The amount bid is called a premium, and ia the grand source of profit to the Association. The premium is deducted from the amount bor rowed, aud the redeemed share carries with it the balance. These premiums now average S4OO per share, which, deducted from the amount offered, SBOO, leaves S4OO to the borrower. After reflection it will at once appear that without any premium the payment of SB4 per annum upon SBOO is 10£ per cent. Hence it follows th *t by a premium of S4OO the payment will reach 21 per cent, for it will be recollected the monthly payments continue thesamo whatever the amount loaned upon a share. Now this rate of payment is liquidating every claim upon the borrower, and when the Association terminates his pay-, ments cease. The real amount of principal which tho borrower pays back is sfcper month, or 4£ per cent upon the SBOO. Now deducting this from 21 per cent leaves 16£ per cent profit upon the amount loaned, hence at this rate of premium we have a clear profit upon every dol lar invested of per cent compounded 12 times per annum, a profit which must terminate the Association in much less than 8 years, and will no doubt plose it in 6 years. Another method of considering this subject is simply to trace the profit derived from one share at a premium of S4OO. Tho SBOO is offered for sale, and brings S4OO, which is a clear gain to the Association. Without any more funds on hand another share is sold at the same premium, and tho S4OO just earned thus cancels another share. Hence SBOO is bringing an interest of 16£ per cent, and has paid an ultimate debt of SIOOO, for the two shares thus redeemed receive nothing further from tho Association, and continue their payment of $47 per month each, until its termination—in other words the capital has been doubled. It is plain, then, that unredeemed shares may realize SBOO in six years, notwithstanding its apparent im possibility in the view of some who have recently attempted to disprove it. To the investor there exists the assurance of at least t> per cent, compounded 12 times per annum, upon the amount of his deposites, ami there is amount of profit above this that may not %e reached. That is, the lowest rate of profit will be higher than the highest rate afforded by savings banks. And the amount of profit that may be obtained is so large that to the unthinking it seems simply a humbug. But how is it with tho borrower ? How can ho aff rd to paysuoh immense profits'! It is not by any means tho duty of tho association to answer this question, it cffcrs to every member money at 6 por oent. per annum, and leaves it with them-olves to say how muoh more they will pay for it. In many oases thcee premiums may be rash, but beforo pronouncing every man who pays them a fool, lotus seo what may be inducing oaoees. First then, since all profits are equally divided among all the shares, he will receive hie proportion of the amount he has contributed. It will be recollected that tho profit)-' »ro measured by tho duration of the society. r lho sooner all tvopwumia aa«ma >Ublo Will of profits, the sooner it will terminate. Now if all the shares pay tho same premium for money, they alf contribute equally to the total profit, and if all share alike In the ultimate profits, they can loose nothing, whatever amount they con tribute. If there bo no other inducement how ever, there thould be groat caution used, for he who pays the first high rate of premium moy be the only one inclined so to do, and he will have 21 per cent, to pay for about 13 years, fh which oa e he would be the looser. This poasibity, however, argues nothing against the theory of tho Association. It is only an evidence that all men are not prudent calculators. But there are circumstances under which thu premium would be au evidence of prudence. It is not the amount paid nor the amount received which gives char acter to the transaction, but it is the ratio be tween the two. If I can use money eo as to make It produce 25 per cent, it would not be im prudent to pay 21 percent for it. * If my Und-. lord charges ma 20 per cent in rent upon the original value of the house in which I am living, without tho ohanoo of ever possessing H, and wit h the prospect of finally paying 30 per oent upon its present value, it could not be called folly in me to pay 21 per cant for 13 years to an Associa tion, and then obtain full possession of the house, let its advance in value be what it might. There are hundreds of causes which lead to those high premiums, which will be best ascertained by at tending some meeting and questioning the par ties who pay them And some of these causes are so efficient that even the strongest opponent of these Associations would by them be induced to become borrowers, at even higher rates. But even admitting that these premiums ought not to be paid, all parties should bo satisfied. Wo have seen that without premiums the rate ofpay ment will bo per cent. This will require about 13 years to complete tho ultimate capital Therefore, by paying a fair rent for 13 years, the member will come into possession of his house, and the investor will receive 6 per oent com pounded 12 times per annum. Those thoughts upon the simple theory of the Association, are hastily put together, and time will not permit mo at present to consider the se curity to investors, and the numerous advantages to all parties connected with them, which are pe culiar to the principle upon which these corpora tions are founded, and others that have been con ferred upon them by law. They may bo learned at the public meetings. W. T. B. MILLIKEN. AN ACT FOR TUB INCORPORATION OV BUILDING, MUTUAL LOAN AND ACCUMULATING FUND SOCIETIES. Passed Aprilio, 1851. The people of the State of New York, represented in Se nate and Assembly, do enact as follows: associate and form an incorporated companwflrir the pur pose of accumulating a fund for the purchasTof real es tate, the erection of buildings or the making of other im provements on lands, or to pay off incumbrances thereon, or to aid its members in acquiring real estate, making improvements thereon and removin* incumbrances there from ; and for the further purpose of accumulating fund to be returned to its members who do not obtain ad vances as above mentioned, when the funds of such asso ciation shall amount to a certain sum per share, to be Bpe-'ifi p d in the articles of association. h 2. Such persons shall severally subscribe articles of association, in which shall bo set forth the name of the corporation, the time of its regular meetings, and how speciai meetings may be called, and what shall constitute a quorum to transact business at meetings ; the qualifica tions of members, and how constituted ;—what officers, trustees and attorney there shall be, and how and when chosen and their duties, and how removed or suspended from office; the entrance fee of rew members and new shares, the monthly or weekly dues ver share, tho re demption fee on shares, on which advances shall be made and fees to be paid on the transfer of shares; tho lines and penalties for non-payment of dues or fees, or other violations of the articles of association; the, manner of redemption of shares made by advances thereon, the mortgaged security to be taken on such advances,and how the same may bo redeemed or chansed ; the manner of the transfer or withdrawal of shares : the manner of invest ing funds not required lor advances on sh*roa: the qua lifications'of voters at tho meetings, and the mode of vo ting; the ultimate amount to be paid to the owners of unredeemed shares ; the manner of altering or amending the articles of association, and such other provisions as •hall be necessary for the convenient and effective trana action of the business thereof: provided that the same shall not in any respect contravene the constitution or laws of this State. h 3 A true copy of such articles, signed by the officers of the association, together with a statement showing when the association was organized, and the place of the transaction of its business, and the names of the officers and trustees at the time of the making of such statement which shall be verified by oath or affirmation before any officer authorized to take aflidavits. to be used in courts of justice, shall be filed in the office of the clerk of the county in which such association shall transact its busi ness ; and thereupon the persons who Itave subscribed the articles of association as aforesaid, and such other per sons as shall become members of such association and their successors, shall be a body corporate by the name specified in such articles of association, and shall possess the powers and privileges and be subject to the provis ions of t’tle third of chapter eighteen of the first part of the revised statutes, s 8 tar as those provisions are con sistent with the provisions of this act, and they shall, by their corporate name, be capable in law of purchas nr. holding and conveying any real and personal estate what ever, which may be necessary to enable said company to carry on their operation named in such certificate. .s 4. It shall be lawful for the trustees to call in and demand from the stockholders respectively, all such sums of money by them subscribed at such times, and in such payments or instalments as the articles of association shall prescribe, under tho penalty offorfeitinr the shares of stock subscribed for. »nd all previous payments mode thereon, if payment shall not be made by the stockhold er within sixty days aftera personal demand ornotioe re quiring such payment shall have been published for six successive weeks in the newspaper nearest to the place where the business of tho company shall be carried on as aforesaid. N 5. All corporations formed under this act shall have power to borrow money for temporal purposes not incon sistent with the objects of their organization ; but no lean for such purposes shall have a longer duration than two yeaw, nor shall such indebtedness exceed, at any one time, one fourth of tho ntrgregote amount of the shares * v. d part s of shares and the inc ome thereof, actually paid in and received. (s 6 Parents and guardians may take and hold shares in *ucb association in behalf, and for the use of their minor children or wards, providing the cost of such shares be defrayed from the p tfonal earnings of such minor children or wards, or by gifts from other persons tha r their male parents ; married women may take and hold •hares in such associate ns. providing the cost of suen shares be defrayed from the personal earnings of their children voluntarily bestowed for this purpose, or from property btqueathed or given to them by persons other than their husbands. 7. Every such corporation shall terminate, except for the purpose of settling its affairs, whenever all the shares ’hereof shall be rede* med by advances ther ; on, or whenever the owners of unredeemed ahaies shall be paid the ultimate value thereof, as provided in the «rticles ot association, and not sooner: but no dividend of principal or of profits shall be mad? until such termination, nor until all debts of the association shall have been paid or otherwise suffie'ently provided for. No holder of re deemed shares shall claim to be exempt from making the monthly payments provided in the articles of association, upon the ground that bv reason of losses or otherwise the association has continued longer than was originally an ticipatod, whereby the payments mpdo on each shares UM*y amount l» more than tbe uiuouul- originally ad vnu.:- od. with legal interest thereon, nor shall tho imposition of fiDos for non-payment of duos or otr»er fees, or off rr violation of the articles of association, n<»r shall • in# of uuy monthly payment require'! by the articles of association, or of any premiums for loa- s made to mem bers, he. deemed a violatioa of the provisions of any slat ’te against usnry 8 Any existing association. formed for tne purpose* mentioned in tha first section of this act, may, on the vote of a majority of iho voting shares, at any regular meeting after the passage of this act. become entitled fo the benchu of this act, on complying with the second anil third sect ions thereof, unless the second suction has here tofore be-u complied with: in which case it shall be ne cessary tc comply with the said third section. No officer, trustee, attorney, agent or serveot of any association hereby incorporated, shall use or dispose of any part of the fun as of such association, or assign, transfer, cancel, or deliver up or acknowledge satisfaction of any bond, mortgage or other written instrument be longing to such association, unless duly authorized, or Vi guilty of any fraud in the performance of his duties; and every pers n guilty of a violation of this section shall b. liable oiiiiiy to the party injured, to the extent of the damage thereby incurred, and s all a’se be liable to an indictment for a misdemeanor, punishable bu fine or im prisonment, or both, in the discretion of tno court bv which he shall be tried. 10. Each association formed under the provisions of this act shall, at the close ot its first year’s operations, and annually at the same p?riod in each year thereafter, publish in at least two newspapers published in the place where their business mav be located, or if no newspaper shall be published in such place, then in any two news papers published nearest snclyplaco, a concise statement verified on the oaths of its President and Secretary, show ing the actual financial condition of the association, and the amount of its property aud liabilities, specifying the same particularly § 11. All the shareholders of any association formed under this act shall be individually liable to the creditors of said association, to an amount equal to the amount of stock held by them respectively, for all debts contracted by such assodationi The directors or other officers of every association formed under this act shall be person ally liable for anyfradulent use, disposition or invest ment of any moneys or property belonging to such asso ciation, or for any loss which shall bo incurred by any investments made by such directors or other officer, other than such as are mentioned ia aud authorized by this act; but no director or other offi jer of any such at - sooiation shall bo liable as aforesaid except heauthorizeu sanctioned, approved or made such fraudulent use, dis position, or investment as aforesaid. or executor, administrator, guardian or. true tee, and no person holding such stock as collateral security, shall be personally subject to any liability as stockholder of such company, but the persons pledging such stock shall he considered as holding the same, aud shall be hah o as a stockholder accordingly; and the ••state and funds in the hands ef such executor, administrator, guardian or trustee shall be liable in like manner, and to the same extent, as the testator or intestxte, or the ward or per son interested in such trust fund would have been if he had been living and competent to act, and hold the same stock in his own name. $ 13. Every such executor, administrator, guardian or trustee, shall represent the share of stock in his hands at all meetings of the company, and may vote accordingly as a stockholder ; and every person who shall pledge hia stock as aforesaid may, nevertheless, represent tho same at all such meetings, and may vote accordingly as a stock holder. §ll. In case it shall happen at anv time, that au election of officers shall not be made on the day desig nated by th« by-laws ol said company, when it ought to have been made, the company for that reason, shall be dissolved, but it shall be lawful on any other day, to hold an election for trustees, in such a manner as shall be pro vided for by the said by-laws; and kill acts of trustee* shall be valid and binding as against such company, until' their successors shall be elected. v) 15. The legislature may at any time alter, amend or repeal this act; or may annul or repeal any incorporation formed or created under this act, but such amendment or repeat shall not, nor shall the dissolution of any such company, take away, or impair an> remedy given against any such corporation, its stockholders or others, for auy liability which shall have been previously incurred. § 16. Any company which may be formed under this act, may increase or diminish its capital stock by com plying with tho provisions of this act, to any amount which may be deemed sufficient and proper for the pur poses of the corporation. But before any corporation shall be entitled to diminish the amount of its capital stock, if the amount of its debts and liabilities shall ex ceed the amount of capital to which it is proposed to be reduced, such amount of debts and liabilities shall be sat islied and reduced so ai not to exceed such diminished amount of capital. §l7. Whenever any company shall desire to call a meeting of the stockholders for the purpose of in creasing or diminishing the amount of its capital stock, it shall be the duty of the trustees to publish a notice signed by at least a majority of them, in a newspaper in the county, if any shall be published therein, at least three successive weeks, ann to deposit a written or printed copy thereof in the post office, addressed to each stockholders his usual place of residence, at least three weeks previous to the day tixod upon for holding such meeting, specifying the object of the meeting, the time and place when and where such meeting shall be held, and the amount to which it shall be proposed to increase or diminish the capital, and a vote of at least two thirds of all the shares of stock shsllbe necessary to an increase or diminution of the amount of its capital stock. § 18. If at any time and place specified in the notice provided for in the proceeding section of this act, etook holders shall appear^n person or by proxy, in numbers representing not lisa than two-thirds of all the shares of stock of the corporation, they shall organize by choosing one of the trustees Chairman of the meeting, and also a suitable person lor Secretary, and proceed to a vote of those present, in person or by proxy, and if on canvass ing the votes, it shall appear that a sufficient number ol votes lias been given in favor of increasing or diminishing the amount of capital, a certificate (f the proceeding, showing a compliance with the provisions of this act, tin amount of capital actually paid in, tho whole amount of debts and liabilities of the company, and the amount to wh oh the capital stock shall be increased or diminished, shall be made on , signed and verified by »ho affidavit of the Chairman, and be countersigned by tho Secretary; and such certificate shall be acknowledged by the Chairman, and when so filed, the capital stock of such corporation shall be increased or dimihished to the amount specified in such certificate. § 19. The shares held by the members of all associn tions incorporated under the ['revisions ol this act, shall be exemnt from sale on execution for debts, to an extent not oxoeding six hundred dollars iu such shores, at their f. 9 jSf Wo loan made by any such association to any of its members, may exceed In amount the par value ot‘ the capital stock for which such * scribed . •- ..-uftcata of incorporation, (x 21. The_ftOUW‘t.a-lxy... c S«s. certified by the county clerk‘or his deputy, to be a true copy, and of tho whole of such certificate, shall bo received in all courts and places, as presumptive legal evidence of the facts therein Minted. 22. This act shall takes effect immediately. State of New York, ) Secretary's Office. $ I have compared the pre ceding with the original law ou file in this office, ana do certify that tho same is a correct transcript therefrom and of the whole of the snid original CHRISTOPHER MORGAN, The following is a list, as near as we could oollect them of the various Building and Mutual Loan Associations now organized in this cisy. We givo in the majority of cases the time, which by the law of April 10, 1851, they are required to be filed in the office of tho County Clerk, the names of Presidents and Secretaries, officers of the associations, ultimate value of shares, and the dues're quired monthly to be paid into the hands of the Secretary. This list together with the proceeding article will give, our readers and the public generally a clear insight into tho workings of this new associative effort on the part of the industrious, to rid themselves and those dependent ou them, of the curse of landlordism. We do notkmtioi* pate that this will be theend of “association.” Each new organization is improved in some minor detail on its pre decessor, and as each improuement gains favor with the public, we shall not long be without a perfect associative system regulating, perhaps, the entire social fabric. PEOPLE’S.—No I.—Piled January 27,1862. Theodore Mar tine, President; J. F. Williams, Secretary. Shai-es, SBOO. Monthly dues, f 3. PEOPLE’S.—No. 2.—Filed March 10, 1853. Oliver H Lee, President; J. P, Williams, Secrotsrv. Office, No. 199. West Twenty-ninth street. Shares, SBOO, Dues, S 3. ISLAND CTTV. —Organized C. B. Ring, Presi dent: W. B. Smith. Secretary. Office, No. 5 Chatham Square. Shares, SBOO. Dues, |3. FH(ENIX.—FiIed February 25. 1851. Wilson Small. President; Alfred R. Hetfield, Secretary. Office, N 0.65 Chatham street. Shane, SBOO. Duee, $3. WASHINGTON.—FiIed November 25,1851. Ca»perC. Childs, President: Henry 11. Hooper, Sec*etary. Office, 333 Pearl street. Shares, S6OO. Dues, $2 50. HARLEM.—-Piled February 2, 1851. Louis J. Belloni, President; James N. Wateon. Secretary. Office, corner 4th avenue and 126th-st. Shares, SSOO. Dues $2. MECHANICS.—No. 2.-Filed March 1, mi. Thomas Morton, President j Jacob Peeare, Secretary. Office No. 6 Chatham Square. Shares, SSOO. Dues, $2. AMERICAN FREEHOLD.—FiIed January 14. 1852. Ralph Benjamin, President; J. W. Sleight, Secretary. Office, . Shares, SBOO. Dues, $3 CHELSEA.—FiIed February 16, 1852. David HJarnes, President: Wm. H. Hoyt, Secretary. Office, 230 Ninth avenue. Shares, SSOO. Dues, $2. AMERICAN—No. B.—Organized June 2, 1850. John Bruce, President: Solomon Jeseurun. Secretary. Office, No. 7 Clinton Court, Beekman street. Shares, S6OO. Dues, $2 50. AMERICAN—No. 4.-Filed May 27,1861. John Bruce, President; Solomon Jessnrun, Secretary. Office, 7 Clin ton Court, Beekraan-st. Shares, S6OO. Dues, $2 50. MANHATTAN—No. I.—Filed July 7, 1851. Morgan Morgans, President; James W. Weston, Secretary. Office 16 Spruce street. Shares SBOO. Dues, $3. MANHATTAN—No. 2.—Filed November 21,1851. John N. Genin, President; Janies W. Weston, Secretary. Office 15 Spruce-st. Shares, SBOO. Dues, $3. MANHATTAN—No. 3.—Filed March 10, 1852. James S. Libby, President: James W. Weston, Secretary. Office 15 Spruce-st. Shares, SBOO. Dues, $3. CITIZEN’S —Filed January 19, 1852. Simeon Draper, President; JosiahT, Kendall, Secretary. Office, No. 421 Broadway. Shares SBOO. Dues $3. EMPIRE—FiIed February 2, 1852. Joseph R. Taylor, President: J. Weldon Fell, Secretary. Office, 173 Spring bt. Shares SBOO. Dues s3.* EMPIRE, No. 2—Filed . Jonathan W. Allen, President; J. Weldon Fell, Secretary. Office, 173 Spring st. Shares SBOO. Dues $3. NORTH AMERICAN—FiIed . Richard F. Car man, President; Mortimer Smith. Secretary. Office, 458 Broadway. Shares SBOO. Dues $3. PIKENIX— Organized March 10, 1852. D. D. Nash. President: A. P. Smith. Secretary. Office, 479 Eighth avenue. Shares SBOO. Dues $3. IRVING—FiIed March 12, 1852. Morris Franklin, Pres ident: A. H. Nicolav. Secretary. Office, 244 Grand st. Shares SBOO. Duos $3. COLUMBIAN—FiIed , 1852. Francis A. Palmer, President; Charles L. Nye, Secretary. Office, 25 Delan eey st. Shares SSOO. Dues $2. * UNITED STATES —Filed December 30,1851. Nicholas M’Graw, President; Thomas Vernon, Secretary. Office, FRANKLIN—FiIed October 20, 1851. Samuel F. Bar tol, President; Charles Z. Pond, Secretary. Office, 15 Spruce st. Sharei SBOO. Dues $3. GREEN POlNT—Filed August 20, 1851. Horatio Al len. President: Daniel Sheldon. Secretary. Shares, dues and office could not be ascertained. METROPOLITAN —Filed September 13,1851. Richard C. McCormick. President; L. M. Willet, Secretary. Of fice, . Shares SSOO, Dues $2. NEW YORK— Filed October 8, 1851. Dr. J. Hassell, President: J. Buxton, Jr, Secretary. Office, . Shares S6OO. Dues $2 60. WORKINGMAN’S—FiIed October 10,1851. John Lind mach. President; George W. Andersjn, Secretary, Of fice, . Shares SBOO. Dues $2 60. NEW YORK INDEPENDENT—FiIed October 29, 1851. Marcus E. Harris. President Secretary. Office, . Shares SSOO. Dues $2. GREENWICH—No. s,l.—Filed. December 31, 1861. Charles Crane, President: R. Ross, ir.. Secretary. Of fice, 48 Eighth Avenue. Shares, SBOO. Dues, $3. GREENWICH—No. 2.—Filed, March 8. John Keyset, President ; K. Ross, jr.. Secretary. Office, 48 Eighth Avenue. Shares, SBOO. Dues, $3. AMERICAN BUILDING —No I.—Organized, April 18, 184 - . John Bruce. President: Solomon Jessuruu, Secretary. Office, 7 Clinton Court, Beckman street Shares, S6OO. Dues, $2 50. Shares In this Association can now be sold at the Secretary's office, for $220 AMERICAN—No. 2.—Organized, Juno 12,1849. John Bruce, President; Solomon Jessurun. Secretary. Office, No 7 Clin tan Court, Beekman street. Shares, S6OO. Dues, $2 50. MECHANIC?—No. I.—Filed, September 1.1851. Sam uel Southerdcn, President: Jacob Pecare, Secretary. Office, 514 Grand street. Shares, SBOO. Dues, S 3. KNICKERBOCKER-Filed, February 24,1852. James R. Del Vecchio, President; Edward J. Madden. Secre tary. Office, 168 Ninth Avenue. Shares. SBOO. Duos, $3. KNICKERBOCKER BUILDING—FiIed, . Wel come R. Beebee, President; Edward J. Madden, Secre tary.‘Office, 168 Ninth Avenue. Shares, SBOO. Dues, $3. MERCANTILE—FiIed, March 13,1852. B. J. Howland, President; Wra. O. Groser, Secretary. Office, corner of Broadway and Grand street. Shares, SBOO. Dues, $3. EXCELSIOR—FiIed. Augusts, 1861. RobertT. Haws. President; Nathaniel P. Labarte, Secretary. Office, 166 Bowery, up-stairs- Shares, SBOO. Dues, $3. EXCELSIOR—No. 2.—Filed, January 13, 1852. Wil liam L. Miller, President ; Nathaniel P. Labarte, Secre tary. Office, 156 Bowery, up-stairs. Shares, S6OO. Dues, $3. A“LEGHANIA-FiUd, March 6. 1852. Moses Msy nard, jr.. President; Oscar F. Benjamin, Secretary. Of fice. 198 Third Avenue. Shares, S6OO. Dues, $2 UNlON—Filed, September 15, 1852. Robert M. Sel leck, President: J. Pecare, Secretary. Office, 5 Chat ham Square. Shares, S6OO. Dues, $3. FULTON MECHANICS’ AND WORKINGMEN’S— Filed, Samuel Suthardeu. Prenident; Isaac Am merman, jr, Secretary. Office, 65 Third Avenue. Shares, SBOO. Dues, $2 50. WAVERLY—Organized inlSs2. N. B. Montfort, Pre sident: James W. Hale, Secretary. Office >43 Sixth Ave nue. Shares, SSUO. Dues, $3. BROOKLYN MECHANlCS—Organized FeVy, 1852 Robert P. Perrin, President; J, S. Denman, secretary. Office, 156 Atlantic st., Brooklyn. Shares SSOO. Dues $2. CITY BUlLDlNG—Williamsburg—Wm. 11. Butler, President ; P. C. Berry. Secretary. 146 South Sixth st. Shares, SBOO. Dues, $3. The Village Homestead Loan and Savings This Association is continued on a somewhat different principle from any hitherto attempted in this country, viz: purchasing land in large quantities. laying It out tor a village, distributing the lots amongst the members at their own choice, at cost price, and loaning money to build dwellings thereon, to be repaid by subscribing shares in the capital stock-a limit of four years is giv en for the woi king out of this unique plan, and a final division ot profits, if any there are, on the termination Secreta} State, Jos, P. Do Youngh, Fund issot iation. uf the Association. To show more clearly the working of this wo extract from the piodpootus the follow ins paragraphs: Wo v.i‘* suppose n uieniber owuing cno 'hare in the As sociation ; for this he pavs $2 per month, and is entitled to a piece of ground worth SIOO. He desires at once to huild a House on this ground, and wants for the purpose a l»>an of, say. S4OO. He can have this by buying from the Association four additional shares, on each of which he pays fee of fifty cents, and $2 per month. Thus, his monthly instalments will bo. $2 00 per month for his ground, 8 00 per mouth on the four additional shares, 2 CO per month interest. sl2 sl2 paid every month for four year* leaves him free and absolute owner of his Hous*, (during the greater part of which period he is in occupation it,) and the ground on which it stands, and if any profit be realized during the continuance of the Association, he comes in for a share of it. _ , , w. A. K«nt, v iaii. ; Thomas M. Halpin, Sec retary, Office, l f/ R Washington Stores, William street; Dudley Perese Naa»au street: K. J. Earle, 129 William street; Michael O’Connor, 266 Front street, are the Teut tees. . CURRENT LITERATURE. New Yobk Aristocracy; or Gems or Japonica-eom —By “Joseph.” This work is now published entire. We have on a for mer occasion favorably alluded to this inter esting expose of fashionable life. We cannot do more in this connection, tban simply re fer the reader for further information to the publication itself. The engravings, general ly spirited and well executed, are by Boyd Those desirous of becoming acquainted with the codfish-scented exclusives of the commu nity, would aid their investigations mate rially by purchasing this telling book, Chas B, Norton is the New York publisher. The Edinburgh Review, for January. Leonard Scott, Walker & Creighead pub lishers The contents for the above month are :—Genius and Writings of Descartes ; Bishop Philpotts; Recent Progress of Legis lation; Church Music; A few Words on In ternational Copyright; Palgrave’s Norman dy and England; the Ordinance Survey of Scotland ; and the Expected Reform Bill. In troductory to the American edition, there is an article published by Horace Greeley, en titled “Review of a Reviewer,” in which the author responds to a rather petty attack on his appelative of “Hon,” by a writer in the “Edinburgh” for December, The statement made by Mr, Greeley when in London, that the buildings appeared to be constructed of a soft creamy marble, and which had a very pleasing effect on the eye of the stranger, he now formally withdraws, admits their deoep tiveness, and declares that they are but faced with mud ! Good for Horace. Wo hope the writer in the Edinburgh will be satisfied with the explanation and retraction. Kenneth, a Romance of the Highlands. H. Long & Brother. This deeply interest ing and chivalrio, blended with the superna tural, production, a quality for which the author is celebrated, has just been published by the above firm. G. W. M. Reynolds’ pub lications are too generally known by novel readers in this country, to require further notice at our bauds. Love, ambition, avar ice, murder, villainy, and merit rewarded are the staples from which this class of novel writers weave their exciting woofs; and no one of the many distinguished literary gen tlemen of England know how better to use them to advantage, than Mr. Reynolds. We commend the story to the lovers of the mar vellous. Appleton’s Popular Library of the Best Authors. The first number of this new library is now before us, and if every suc ceeding issue be as well culled from the vast fields of literature, we do not fear the splen did success of the new enterprise. D. Apple tne firs! pu rmsiliilfc uriii Hb amr the endorsement of their name upon any publication stamps it as genuine. The pres ent issue comprise a series of essays which from time to time have appeared in the Lon don Times. They may be enumerated as follows : Lord Nelson and Lady Hamilton; Railway Novels; Louis Philippe and his Family ; Drama of the French Revolution ; Howard the Philanthropist; Robert Southey; Dean Swift—Stella and Vanessa; Reminis cences of Coleridge and Southey, by Cottle; John Keats; Sporting in Africa; Francis Chantrey; Ancient Egypt. The' Use of Sunshine, (an Irish tale,) by S. M., authoress of “The Maiden Aunt,’ “ The Story of a Family,” “ Lays and Bal lads from English poetry,” etc, 1). Apple ton & Company, publishers. We quote from the introduction of the authoress the follow ing insight into the nature and object of the work: “ I have thought that a picture of one small nook of Irish life, as it appeared to two English settlers, might not prove wholly uninteresting ; and I am sure that native critics (if I should find such) will allow that the mistakes which it may contain are only so many proofs of its fidelity under the circumstana s. Individual portraiture —always, to my thinking, an objectionable prac tice —would, in the present case, involve the odi ous imputation of Ingratitude for a great deal of kindness. The character of Peggy Doherty, and the main incidents of her history, form the solitary exception to which I have alluded. 1 must also plead guilty to having stolen the name of the house occupied by Horace and Marion, from the dear friends who possess lan exclusive right to it. 1 have endeavored to give, as near ly as I could, the dia ect of that particular cor ner of the north to which my main experience has been limited; and 1 dare say that I have produced but an English version of it, after all.’ A LADY’S PLUCK. We turned aside, writes a gentleman, un der the title of Notes of Travel in Virginia, from our path for a space, to visit an object of some curiosity, which is one of the “ lions” of “ the Eastern Shore.” This is an ancient vault, belonging to a member of the “ Cus tis” family, a branch of the same stock with which Washington intermarried. It lies upon a tine old farmstead, looking out upon “ the Bay,” and occupies the centre of a large field, the only prominent object, sheltered by some old trees. This vault is of white marble, elaborately carved in London, in a state of partial dilapidation. The curious feature about it consists in its inscription, which runs thus: — ‘ Under this marble tomb lies the body of ' the Hon. John Custis, Esq., of the city of Williamsburgh, and Parish of Burton; formerly of Hangar’s Parish, on the Eastern Shore of Virginia, and county of Northampton, aged 71 years, and yet lived hut seven years, which was the space of time he kept a bachelor’s home at Arlington, on the Eastern Shore of Virginia.” This inscription, we are told by another, on the opposite side, was put on the tomb by his offu positive orders. The gist of it, as our lady readers will be pleased to perceive, consists in the lines wo have italicised ; the force of which will be better felt and under stood from the additional fact, which does not appear, that this bachelor, who lived on ly in his bachelor condition, was married three times. His experience, if we are to believe his epitaph, was greatly adverse to the idea of any happiness in the marriage state ; yet how strange that he should have ventured thrice upon it! The natural con clusion is, that Hon John Custis was a sin gularly just and conscientious man, who, unwilling to do the sex any wrong by a pre mature judgment, gave them a full and fair trial, at the expense of his own happiness, and pronounced judgment only after his re peated experiments. Tradition has preserv ed some anecdotes of the sort of experience which he enjoyed in the marriage state, one of which I will relate. It appears that ho was driving out in his ancient coach with one of his wives—and to do him justice we must assure the reader that he had but one at a time—and in the neighborhood of the very spot te which we ourselves are tending —Capo Charles. A matrimonial discussion ensued between the pair, which warmed as they proceeded. The lord grew angry and the lady vociferous. “It was the diamond,” said one —and “ I insist,” quoth the other, “ that it was the club.” “You will drive me mad I” cried John Cus tis. “I should call that admirable driving!” retorted the wife. “If you say another word, I will drive down into the sen. They were even then upon the beach. “Another word!” screamed the lady.— “Drive where you please!” she added. — “Into the sea—l can go as deep as you dare go, any day.” Ho became furious, took her at her word, and drove the horses and chariot into the ocean. They began to swim. He held in, looked into her face, and she laughed in his. “Why do you stop?” she demanded, ex ultingly, not a whit alarmed. “You are an imp!" ho exclaimed, flinging the horses about, and making for the shore with all expedition. “Pooh ! pooh !” laughed his tormentor. — “Learn from that there is no place where you dare to go, where I dare not accompany you.” She had conquered. He never drove at Cape Charles again, but groaned with the recollection of the seven years’ bachelor Jife at Arlington. PRICE. THREE CENTS. A HIDEOUS MONSTER. There exists in French society, remarks the author of Monte Leone, and wo may add that •it is by no means limited to French society, a hideous monster known to all, though no one disturbs it. Its ravages are great, almost incal culable. It saps reputation, poisons, dishonors and defiles the splendor of the moat estimable form. This minotaurus, which devours so many in nocent persons, is especially fearful; because the blows are terrible. It presents itself under the mildest and gentlest forms, and is received everywhere in the city. We find it in our rooms, in the interior of our families, in the palaces of the opulent, and the garrets of the poor. It is composed of but one phrase, and is called — “They Say.” “Do you know snob a one 1” is often asked, and the person is pointed out. “ No ! but they say his morals are very bad. He has had strange adventures, and his family is very unhapny ” “Are you sure V’ “ Ne. I know nothing about it; but they say an M “ Do not trust that gentleman who has much credit, and is thought so rich. Be on your guard.” “ Bah! his fo tune is immense ; see what an establishment he has.” “ Yes ! they say ho is very much involved.” “ Do you know that fact! “ Not I. They say, though—” This they say is heard in every relation of life. It is deadly mortal, and not to be grasped. It goes hither and thither, strikes and kills manly Honor, female virtue, without either sox being ever conscious of the injury done Each as ho reads these linos will remember cases illustrating the truth of what we say. A Definition of Bigotry. —Old Job Dunkee was at oue time one of the most popular “darkies” in Cincinnati, Ho was a kind of patriarch among the colored popula tion and universally liked by the white folks. About the time that he stood at the head of the Now street church, ho was subpoenaed before Judge Wiseman, to testify to the character of a negro who was charged with petty larceny. “ Well, Job,” said the Squire, “ what do you know of the character of the defend ant ?” “ Well, I know considerable ’bout de col ored individual, and I neber fin’s him guilty ob only ope ’fence,” replied Job, with great reverence. “ What is the nature of the offence you allude to f” “ Why, do niggar am bigoted.” “He’s what?” “Bigoted, bigoted—doesn’t you know what dat am ?” “ Why, no,” replied the ’Squire, who is much of a wag, “ Will you define the term. Job f” “ Sartainly, sartainly, I does. To be big oted, a colored pusson must know too much for one niggar, and not enough for two nig gars.” New Style of Dress for Gentle men.—The Wilmington (N C ) Journal says a gentleman was seen promenading in the vicinity of the wharves, elegantly attired in a flour, barrel, with both heads knocked out. He was “ minus” coat, vest, and uuwhieper ables; but, says the editor, with the promp titude of action and fertility of resource, which are ever characteristic of genius, he had perceived at once the capabilities of a flour barrel as au article of garmenturc, combining both strength and cheapness, and thus attired, had enjoyed a most delightful, though somewhat circuitous walk—the tor tuousily of his course being, no doubt, at tributable to the cylindrical form of his robe. As a flour barrel is by no means as long as a man, it may be supposed that a portion of the “human form divine” projected at both ends, its (the barrel’s) upper extremity ter minating under the arms, and the lower coming no further down than the calves of the legs; thus presenting, as far as longi tude is concerned, a very fair specimen of a white oak Bloomer. From various nautical expressions which the gentleman addressed to himself, it is shrewdly suspected that he is one of those wliogg Jyisinefs it is to “ " Canine V.-=tx a _ . interesting instance of the sagacity of JL -L faithful friend,” the dog, occurred recently, says the London Weekly Times, at Ster ling Park, in Wales, the residence of Samuel Tardrcw, Esq. There were a large bull-dog and a Newfoundland dog kept about the premises for their protection, and as a little boy was carelessly making his way along the path leading from the turnpike road to the house, the bull dog broke the chain with which he was fastened and sprang fiercely on him, and commenced savagely tearing him. The poor little fellow being dreadfully frightened with the suddenness and severity of the attack, cried out for assistance most piteously At this time the Newfoundland dog was in another part of the premises, but as soon as he heard the cries for help he darted away with tremendous velocity, and quickly reached the spot, and seizing the bull-dog with his powerful jaws instantly flung him off his prey, and held him firm un til the boy got up from the ground, and was completely out of harm’s way. Something about the Face. —The ex pression of the face is a beautiful distinction of humanity. We are little aware of the influence which it constantly exerts If the dumb animal on whom man exercises his cruelty—if the horse or the dog, when suf fering by a blow from the violence of man, could turn upon him with a human look of indignation or appeal, could any one resist the power of the mute expostulation? — How extraordinary, too, the difference of expression in the human face, by which the recognition of personal identity is se cured. On this small surface, nine inches by six, are depicted such various traits, that, among the millions of inhabitants on the earth, no two have the same lineaments of face. What dire confusion would ensue, if all countenances were alike ! if fathers did not know their own children by eight, nor husbands their wives I But now, we could pick out our friend among the multitudes of the assembled universe. A Remarkable Fulfilment or a Dream. —The London Dispatch mentions in a late number the following remarkable ful filment of a dream:—William Jackson, a railway laborer, residing at Green Hammer ton, near Knaresborough, dreamed that he should be killed on the railway. He awoke and told his wife of the circumstance, where upon she implored him not to go that morn ing to his usual labor on the line. Not withstanding this ho did so, when, strange enough to state, he accidentally lell from a ballast train in the neighborhood of Flaxby, and was run over, both his legs and right arm being crushed in a dreadful manner. He was brought to the Whcatsheaf Inn, where he expired three hours after his arri val, in spite of all human efforts to save his life. The Coroner’s jury returned a verdict of accidental death A Monster. —The Medical Reporter of New Jersey, states that Doctor £. Buck, of Bridgeton, was present at a post mortem «x --amination in that town, not long since, upon the body of a child which was born alive and of full term, the abdominal muscles and skin of which were wholly wanting, exposing to view, as if by the scalpel, the livor and bow els. The breast, arms and head were largely and well developed, but the spine in the lum bar regions was somewhat deficient, one leg was an exact wing or fin of a turtle, and quite small, the end having two or three un separated toes. The other leg was large and extended up to the face, and the foot, which was of club order, rested on the nose. Woman’s Rights.—Among the singu lar customs of the Island of Celebes, in the Indian Ocean, women arc eligible to the highest offices of the state : that, at the present moment, four out of six of the he reditary Rajahs are female. Among the Bugcs, some men dress like women, and some women like men, for their whole lives, devo ting themselves to the occupation of their adopted sex. _______ A Sad Lesson.—The True. American mentions the appearance in Trenton of a man who had just been released from the State Prison, after serving a term of twenty years. During this time, the march of improvement has been to rapid, that almost every vestige of all that was familiar to him then has been swept away. Cities and towns have grown*up Railroads and telegraphs have been established; the ocean is navigated by steam ; in short almost everything which to us appears old and void of novelty, must appear strange and wonderful to him. He entered his cell of 8 by 10 a young man, and comes out with the marks of age, and the stamp of ignominy upon him. An Officer, in a skirmish with the British and Indians, in the late war, was severe ly wounded and unable to rise; two Indians rushed towards him to secure his scalp as their prey; one appeared to be a chief warrior, and was clothed in British uniform. The hatchet was uplifted to give the fatal blow, thought passed his mind that some of the chiefs were Masons, and with this hope be gave a Masonic sign ; it stayed the arm of the savage warrior— the hatchet fell harmless to the ground—the In dian sprang forward, caught him in his arms, and the endearing title of Brother fell from his lips. That Indian was Tecumseh. The man, who will live above hip present cir cumstances is in great danger of living in a little time much beneath them, or, as the Italian pro - verb says, “The man who lives by hope will die by danger.”— Addison. Lampoons and satires that are written with wit and spirit are like pdsoned dart, which not only inflict a wound, hut make it incurable. Addison.