1797°] 
exigencies, it has been now left to be 
oppofed in, parliament almoft fingly, 
though with extraordinary powers and re- 
folutions by Mr. TiERNEY. | 
LUNAR ECLIPSE, 
Sunday, Dec. 3, 1797- 
D.H. M. 
Appulfe of senumbra to the : 
ar limb 5 px debian 
Contact of true fhadow © 14 16 
Firft emezfion oO 17 195 
Total emerfion O16” oe 
Total duration © 5 59 
Thefe obfervations were made of the 
beginning of the éclipfe, three miles eaft of 
Bury *, in Suffolk, and of the end of it 
fix miles +. The equation of the fun for 
the day is to be added, which, I believe, 
was 10! 41” nearly, before the clock. 
The time of total darknefs was not 
. taken. The moon was of a filvery bright- 
nefs when the eclipfe began; and the 
effect of the firft emerfion was mott beau- 
tiful when the thread of light fhot from 
the fhadow. During the total obfcuration, 
the appearance was that (as generally ob- 
ferved in lunar eclipfes) of a thin veil, ef.a 
faint yellowith copper colour, {potted with 
darker fhades, as the parts of the moon, 
over which the earth’s fhadow fpread, re- 
fiefted more or lefs light. To the eye, 
during the obfcuration, the moon refem- 
bled a reddith hazy ftar of the fecond 
magnitude, feen through a mitt. 
Tam, your’s, &c. 
Frofton, Dec. 12, 1797. CAPEL LOFFT. 

For the Monthly Magazine. 
PLAN FOR THE ENCOURAGEMENT 
" Or SERVANTS AND WoORKMEN 
TO PLACE: OUT: THEIR SAVINGS 
AT INTEREST. 
VARIOUS {chemes have been devifed 
for enabling the labouring clafs of 
the community to lay up {mall fums for 
their future benefit. Thefe fchemes, ef- 
pecially clubs, have unqueftionably been 
attended with great advantage. They 
have preferved againft the feafon of fick- 
nefs and diftrefs, what would otherwife 
have been, in moft cafes, fquandered 
without any immediate fervice to the 
feryant, the labourer, or his family. 
None of thefe eftablifnments, however, 
feem to have been brought fo near to 
perfeétion, as to render unneceffary all 
tarther attention to this very interefting 
ee ee 
* At Tinworth. + At Frofton., 
MonTuiy Mac. XXV. 
Plan for taking fmall Sums at Intere/ft. 
423 
and important fubje&t. Many houfehold 
fervants, many manufacturers, artifans, 
colliers, and fome farmers’ labourers, 
~ have it in their power to fave more than 
the monthly contingent jor pay to the 
club, fuppofing them to belong to a club, 
Moreover, on occafion of bankruptcies, 
we frequently hear of this clafs of per- 
fons amongft the creditors, and for fuch 
perfons to be deprived of one-half, two- 
thirds, or more, of afum that would have 
rendered the decline of life comfortable, 
mutt be regarded by every man of huma- 
nity, as amongft the meft cruel difafters 
attendant on bankruptcies. 
From thefe confiderations and others of 
a fimilar kind, it may be inferred that 
very important advantages would refult 
to the clafs of perfons we have been de- 
fcribing, and through them to the com- 
munity at large, if, in the principal 
towns in this kingdom, there were a fuit- 
able number of affociations formed for re- 
ceiving {mall fums (jn order to encourage 
the firft beginnings’) of money 4t intereft 
from the labourmg claffes of the com- 
munity. ee 
To the fuccefs of this plan, it will, 
however, be effential, that its operation 
fhould be fuch as not only to give the 
moft ample and unqueftionable fecurity 
to thofe who lend their money; but alfo 
to exempt thofe who become refponfible 
for its repayment, from incurring much 
-rifk of lofs, or from having any unnecef- 
fary claims on their time and attention, 
im confequence of becoming members of 
the propofed affociation. 
Thefe objects, it is prefumed, might 
be fatistaétorily accomplifhed by the 
adoption of the following or fome fimilar 
plan, improved, as it doubtlefs would 
be, if the fubje€t fhould be thought de 
ferving of more general attention. 
Suppofe affociations of from twelve to 
twenty perfons re{pectable for character 
and fortune, to be formed in each princi- 
pal town in the kingdom, and that the 
united fecurity of each feparate affociation 
be offered to perfons aehiaa: of placing 
at intereft fums of money, not lefs than 
five or ten fhillings, nor more than from 
sol.to rool. or, perhaps, 150]. for which 
they fhould receive yearly or half-yearly, 
(as might be thought beft) inrereft at the 
rate of four per cent. per annum ; and, 
however {mall the amount of intereft 
might be, it fhould be at the option of 
the lender to add it tothe principal every 
year, together with fuch other monthly, 
quarterly, or annual favings (amounting 
3K ; I 
