10-i Farm Labourers, tlieir Friendly Societies, 
various useful branches, all of which appear to thrive and to 
bear good fruit. The rate of contribution is but half that quoted 
in the case of the sharing-out clubs, viz., a farthing contribution 
for every shilling a week of sickness pay, and the reserve of the 
Registrar as to the sufficiency of the rates of contribution is not 
to be wondered at. There is, however, a small sum, 600/., in 
the Savings Bank to the credit of the club, and annual income 
from the subscription of honorary members. Under its present 
management the members of the society have little to fear on the 
score of insolvency. Several of the advantages offered to the 
members would not, we fear, be commonly available in other 
localities, but in many cases they might be secured with good 
results, " So long as you continue a member of this club " (we 
quote from the annual address), "you will enjoy the following 
privileges over and above those who are not members : — 
1. " You will, if householders, have garden allotments,* a coal 
club, and a clothing club for your children, besides other advan- 
tages for your wives, during their confinements and in cases 
of dangerous illness. 
2. " In common cases of illness you will have assistance from 
the honorary fund, so as to reduce your own payments to the 
small amount oi a farthing for a shilling, or 85. 8rf. a year in 
health, for 8s. a week in sickness ; and a death payment of 2Z. for 
males, \l. for females, and lOs. for all other members under 
twelve years of age. 
3. " No charge will be made for management and keeping the 
accounts, both of which are provided for by the honorary 
members. 
4. " The club feast will be paid for out of the honorary fund 
so long as it can meet the payments." 
There is also a penny savings bank for the junior members. 
The treasurer of the club is (under rule) bound to act as agent 
for the Government in insurances for deferred annuities. But 
the members are, as usual, indifferent to the advantages which 
may by this means be obtained. 
The management is entrusted to a committee, consisting of 
five honorary members, the secretary, and the stewards ; the 
treasurer and any two of the five to be a quorum. The managing 
secured by the friendly society. There are, however, instances of very good 
societies in which such an arrangement is not practicable. In parish societies, or 
■where the agency of a larger society comprises a considerable number of mcii:bers 
in small compass, medical insurance may with advantage be added. The cost is 
generally 4s. to 58. per member per annum. The members should be encouraged 
to form a " medical club " where practicable. 
* The allotments are half an acre, lient is 2/. per acre. Coals are sold at half- 
price, or GfZ. and "id. per cwt. 
