Now ready, price 10_s._ 6_d._ Second Edition, with material additions, INDUSTRIAL INVESTMENT and EMIGRATION: being a TREATISE on BENEFIT BUILDING SOCIETIES, and on the General Principles of Land Investment, exemplified in the Cases of Freehold Land Societies, Building Companies, &c. With a Mathematical Appendix on Compound Interest and Life Assurance. By ARTHUR SCRATCHLEY, M.A., Actuary to the Western Life Assurance Society, 3. Parliament Street, London. BOOK PLATES.--Heraldic Queries answered; Family Arms found, and every information afforded. Drawing of Arms, 2_s._ 6_d._; Painting ditto, 5_s._; Book Plate Crest, 5_s._; Arms, &c. from 20_s._; Crest on Card Plate, and One Hundred Cards, 8_s._; Queries answered for 1_s._ Saxon, Mediæval, and Modern Style Book Plates. The best Authorities and MS. Books of thirty-five years' practice consulted. Heraldic Stamps for Linen or Books, with reversed Cyphers and Crests. Apply, if by letter, enclosing stamps or post office order, to JAMES FRISWELL (Son-in-law to J. Rumley, publisher of "The Crest Book," "Heraldic Illustrations"). Heraldic Engraver, 12. Brooke Street, Holborn. SPECIAL NOTICE TO INTENDING ASSURERS. Intending Life Assurers are respectfully invited to compare the principles, rates, and whole provisions of the SCOTTISH PROVIDENT INSTITUTION with those of any existing company. In this Society the whole profits are divisible among the policy-holders, who are at the same time exempt from personal liability. It claims superiority, however, over other mutual offices in the following particulars. 1. Premiums at early and middle ages about a fourth lower. See specimens below.(*) 2. A more accurate adjustment of the rules of premium to the several ages. 3. A principle in the division of the surplus more safe, equitable, and favourable to good lives. 4. Exemption from entry money. (*) Annual Premiums for 100_l._, with Whole Profits. --------+-------+-------+-------+-------+-------+-------+-------- Age 20 | 25 | 30 | 35 | 40 | 45 | 50 | 55 --------+-------+-------+-------+-------+-------+-------+-------- 1 15 8|1 18 0|2 1 6|2 6 10|2 14 9|3 4 9|4 1 7|5 1 11 --------+-------+-------+-------+-------+-------+-------+-------- (*) Annual Premiums for 100_l._, with Whole Profits, payable for 21 years only. ---------+-------+--------+--------+--------+--------+------- Age 20 | 25 | 30 | 35 | 40 | 45 | 50 ---------+-------+--------+--------+--------+--------+------- 2 7 0|2 10 8|2 14 6|2 19 8|3 6 4|3 14 9|4 7 2 ---------+-------+--------+--------+--------+--------+------- All policies indisputable unless obtained by fraud.