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death. Should he live more than 14 years, he will pay more in than he will receive out at death; and should he live to the age of 65, he will have paid £69 out of his pocket; but by paying 2s. 60. twice a month, for 18 years and 7 months only, he will continue to receive his 14s. weekly in sickness for life, without any further contribution, and will leave £61 AT DEATH TO HIS WIDOW AND CHILDREN, having only paid into the club £55 15s. Should he die before the end of the 18 years and 7 months, he will receive in proportion, but in every instance HE WILL RECEIVE MORE THAN HE HAS PAID, independently of his weekly allowance in sickness; this will arise from the interest of his money having more than paid his assurance and all

expenses. 8. Saving Club.—The regulations of Saving Clubs are similar to those of Savings' Banks, and will be found useful to all who are unable to spare time in the middle of the day, or wish to save smaller sums than are received at the Savings' Bank. Thus money may be deposited every club night; and all money so deposited is the sole property of the person who deposits it, bearing the same rate of interest, and being withdrawn, in the same manner as money deposited in the Savings Bank, with this difference, only in favour of Provident Institutions, that sums as small as one penny may be received, and interest given on all sums as soon as they amount to five shillings, while Savings' Banks receive no sum less than one shilling, and give interest on no sum under fifteen shillings.

9. Endowments, or sums of money from £5 to £200, to be received at the death of the depositor or at the end of any number of years, and which may be applied for the apprenticing of children, the setting up in business, or the endowment of widows, parents, or orphans, may be insured. This is an entirely new plan, by which neither principal or interest will be lost in the event of parties dying before the time, or being unable to continue their payments.

10. Annuities of £10 or £20 per annum may also be insured on the same plan, without loss of principal or interest, and are called by way of distinction, from those before mentioned, Independent Annuities, because they depend solely on individual accumulation, and are attended with no chance or risk.

11. A Library. It is desirable that a Library should be established, and books supplied to the members at a small charge; so that intellectual enjoyment may be afforded to them at their own houses.

12. The Benevolent Fund is to help those who have shewn a disposition to assist themselves, and to supply relief to the really pro, vident, in cases of unavoidable extremity; and is intended to aid in the purchasing of such surgical instruments as may be needful for afflicted members; in relieving the widows, educating the orphans, and otherwise assisting the members in unforeseen and unavoidable cases of distress. The members are not compelled to join this division: those who do, pay a small contribution, and the fund is chiefly to be supplied by donations and subscriptions from honorary members.

We understand that the Birmingham General Provident Institu. tion contains upwards of 1500 members, and has nearly £2000 vested in the funds. The rules, books, and printed forms used by the institution are sold by Messrs. B. Hurst and Sons, 75, High Street, Birmingham,

HARVEST THOUGHTS.

From the dusty heart of cities, where the sickle hath not stirred, Where the merry voice of reapers, morn or even, is not heard ; From the lanes of tangled hedge-rows, where the corn-ear gone

astray, Yellow, like a shred of day light, falls upon the gleamer's way; From the city, from the hamlet, we have seen the cloud departCome we then before our Father with a full thanksgiving heart! Bring ye hither trump and timbrel, yea the merry harp and lutem Harvest clods should find them voices if the sons of men were mute: Was it not the bread of thousands passed but now the garner door? Is it not the bread of thousands heaped upon the garner floor? Good have been the sunbeams falling on the reaper's swarthy

handsAs the precious gold that shineth in the mines of fairer lands. There was many a heart that trembled, in its straightened city home, For the gloomy days of winter, and the famine that should come: Many an eye was darkly gazing, o'er the valleys thick with corn, When the silver rains were falling, eve by eve, and morn by morn; But thy tender love, O Father, lo! is writ in lines of gold, So that he who runs may read it, in the vale and on the wold. Through the sun-bright leagues of England, songs of praise are

rising now ; For Thy sure and tender mercy, men upon the threshold bow: Grant that these may not forget Thee, in thy worn and famished

poor, When the noiseless snows of winter gather round the cotter's door; For the cry of him that reaped, and is faint for daily bread, Echoes through the courts of glory, with a murmur deep and dread! There are kindly spirits toiling,-meek, yet fervent is their voice, Who with lowly hearts can sorrow, and with lowly hearts rejoice: Such as these will never mingle rank and noisome herbs of strife, With the scattered flowers that gladden many a poor man's

shadowed life : Where their noiseless feet are planted, not a bruised reed they break; These have lulled a nation's madness, when the ruler's hands were

weak. 'Neath the roof of cheerless hovels, these have heard and stilled

the moan, That for weary hours unheeded, takes a deeper, fiercer tone.

Is not this thy work, O Christian ! in thy troubled path below,
Toiling in the lowly valleys, till the hollows lovely grow ?
Is not this thy work, O Christian! rather than the deed of strife,
That a thousand tongues will honour in the busy world of life?
Yea, there is a fairer harvest, and yet more needful bread,
Than in earthly barns is garnered, than from earthly chaff is shed:
But the clouds are dark above us, and our hearts are faint to-day-
God of harvests! God of mercy! roll these evil clouds away!
Hasten Thou the joyful reaping—in the days of fervent heat
Thou wilt bind the tares for burning, that have mingled with the
wheat.

W. T.

CORRESPONDENCE.

REMOVING CHILDREN FROM ONE CLASS TO

ANOTHER. DEAR SIR,—I read last night, according to custom, your last “Teacher's Visitor,” in which appears the hint about keeping the same class under the same teachers as long as they remained at school. It struck us all so forcibly, that, upon discussing the subject, although practical difficulties suggested themselves, yet the benefit appeared so overwhelming, that it was unanimously and cordially agreed to establish the system forthwith in our school. Several of the Teachers at once said, that the children were removed from their class just when they began to feel an interest in them ; and expressed the regret they continually felt at losing them, as soon as they showed much signs of improvement. It set my brain so much to work, as rather spoiled my night's rest; but if on coming down this morning, I felt the want of sufficient sleep, it was amply repaid by the consciousness of having all the details of the newmodelled school arranged in my mind, and having, in my midnight reverie, overcome, I believe, every real difficulty. The grand benefit no doubt consists in giving the Teachers an interest in their own children, which it is impossible to feel to such a degree when they know that the child will soon be removed into another class: but the point mentioned by your correspondent is no unimportant advantage—the doing away with all the jealousies of "moving up”. both Teachers and scholars. With regard to the difficulty suggested of one child falling, in time, so far behind his class, I believe the Teachers will feel such an interest in their class, that they will

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never grudge an hour or two in the week to whip up the stragglers, and so keep them tolerably together. As Mrs. M. and myself have a male and female Bible class, into which we draft the children from the school at the age of ten, it will be necessary, at the first commencement, to revolutionize the classes, by putting all of the same age together, that the classes may arrive at a learning age about the same time, when the Teacher will begin afresh with a class of infants, and work them up.

Experience only can prove its efficacy ; but I certainly have the highest expectations from it. Believe me, yours faithfully,

S. MINTON Penkhull, Stoke-upon-Trent, July 28th.

OCCASIONAL TEACHERS' MEETINGS.

Bristol, 18th August, 1845. REV. SIR, -Among the valuable suggestions to Sunday-school Teachers which have from time to time been afforded by your little publication, I do not remember to have seen any reference to the expediency and desirableness of establishing occasional meetings of the Teachers, for the purpose of mutual consultation and advice, respecting each other's plans and general system of instruction, &c., &c. The Rev. Chas. Bridges, you will doubtless remember, has some excellent remarks on this subject, in his most admirable work on the “Christian Ministry,” (fifth Edition, p. 406); and as it is really a matter of much importance, and might be conducive to the practical benefit as well of the Teachers as of the taught, perhaps you may not consider it unworthy of notice in the “Teacher's Visitor." I beg, therefore, to extract the passage referred to, in case you may wish to place it before your readers :

“ Periodical meetings of the Teachers are among the most important parts of the Sunday-school system. We thus ascertain the progress of the school; investigate the hindrances to its advancement, the many little trials and vexations that belong to it, and suggest means for their removal; recommend the adoption of new plans, or encourage perseverance in the old frame-work. By comparing each other's notes, many profitable questions are started, and many improvements are made. We mark where we have failed in prayer, faith, perseverance, or interest, while the discovery of any points of success brings with it fresh energy and encouragement under more humbling recollections. These meetings are also most valuable, as a bond of union with the Teachers, strengthening the influence of evangelical motives, awakening a spirit of mutual inspection and provocation, (Heb. x. 24, 25.) and joining in special prayer for increasing energy, faith, and patience, in the work, and a larger effusion of divine influence upon it."

A foot note referred to, is as follows: “ The obvious form of conducting them appears to be, commencing with prayer, then proceeding to the business of the school, by examination of each other's card; raising the children to higher classes, discussing their conduct, making such alterations in the classes, or in the rules of the school, as may be requisite, (in which each teacher is considered to have a voice); throwing out suggestions or hints, as they may occur; mentioning new books, that may be wanted; general enquiries as to the progress of the children in reading, learning, intelligence, steadiness, or seriousness of deportment. After the routine of business is finished, endeavour to promote general conversation upon the importance of religious instruction, or particular points of detail. Then finish with exposition and prayer. Where the Teachers are of nearly equal rank with ourselves, (it will be remembered, that these remarks were primarily intended for the guidance and assistance of the Christian minister,) it is desirable to make it a social meeting of kindly Christian intercourse.”

I trust, Sir, that the divine blessing may continue to rest upon your useful and seasonable publication. I hope the Lord will encourage you to persevere in the arduous and responsible, but most blessed work you have undertaken.

FRANK

CHURCH SUNDAY-SCHOOL TEACHER'S

ASSOCIATIONS.

Rev. Sir,—I do not know whether the Macclesfield Church Sunday-school Teachers' Association is prepared to furnish any person that may apply with one of their monthly papers, or with any number that may be wanted, perhaps you would kindly inform me in your next notices to correspondents : but I think, Sir, it would be very desirable that the Sunday-school Institute should get drawn up, for the use of all Church Sunday-schools, a course of instruction for every Sunday in the year. The Sunday-school Union adopts some system of this kind, and why should not we, who have Articles, Forms of Prayer, &c., &c., in which to instruct our young ? All the Teachers of our Sunday-schools do not feel themselves competent to question the children of their class in the Collect, Epistle, and Gospel, for the day, nor yet competent to do

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