332 Transactions of the Horticultural Society. 



Interest in the case of the Savings' Banks, which the late act (5th Geo. IV. 

 c. 62.) provides against in future. 



" 5th. The institution should be bound, on three months' notice to that 

 effect, to purchase the interest or the policy of the assured at its fair value, 

 less by a deduction of a per centage to cover the charges ; but with such 

 exceptions as may be necessary to prevent fraud.* The purchase-money, 

 whatever might be its amount, should be allowed to be re-invested in the 

 Banking department. 



" 6th. The depositor in the Banking department should be at liberty at 

 any time, subject to the exception of being a bad life, to transfer the whole 

 or any part of his deposits, or the interest thereof, to the Assurance de- 

 partment, as the single payment, or annual premium, for any one or more 

 of the allowances before mentioned. 



" 7th. Friendly Societies andSavings' Banks should be allowed to subscribe 

 their funds into this institution ; the members of such Friendly Societies to 

 have such allowances as any other individuals at their age might obtain for 

 the sums so subscribed. The church-wardens and overseers of the poor 

 also might be allowed to purchase annuities for such paupers as were 

 likely to be permanently burdensome to the parish." 



We have thus gone into a subject which every day becomes 

 more important and serious, because every day the condition 

 of the labouring classes seems to be sinking. If any thing we 

 have suggested tend, in the smallest degree, to point out a 

 method by which this degradation of character and condition 

 may be arrested, we shall deem the labour we have bestowed 

 on these papers not mis-spent. 



Art. II. Transactions of the Horticultural Society of London. 

 Vol. VI. Part IV. London, January, 1827. 



Twenty-three papers, above a dozen of which are by 

 practical gardeners, and the rest chiefly by officers or servants 

 of the Society. The plates are a diagram register of the rain 

 gauge and thermometer, a tree pceony, melon pits by Mr. Hay- 

 thorn, similar to those in his communication to us (p. 279.), 

 and plums. 



40. Method of cultivating the North American and other Hardy 

 Orchideous Plants. By Mr. Stewart Murray, C.M.H.S. Curator 

 of the Botanic Garden of Glasgow. Read February 7. 1826. 



Place on a well-sheltered border, facing the south, a glass- 

 frame 9^ feet wide, 2^ feet high at the back, 1 5 inches high in 



" * A regulation of this kind, which has been adopted by some recently 

 established Assurance Associations, is very much wanted. The members of 

 Friendly Societies at present commonly lose all benefit from their contri- 

 butions when they leave the country, or even their parish, or enter into the 

 army or navy ; and, what is a still harder case, whenever, from poverty, 

 they are unable to continue them." 



