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, 600l., 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,[1] a coal club, and a clothing club for your children, besides other advantages 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 of a farthing for a shilling, or 8s. 8d. a year in health, for 8s. a week in sickness; and a death payment of 2l. for males, 1l. for females, and 10s. 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
- ↑ The allotments are half an acre. Rent is 2l. per acre. Coals are sold at half-price, or 6d. and 7d. per cwt.
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 members in small compass, medical insurance may with advantage be added. The cost is generally 4s. to 5s. per member per annum. The members should be encouraged to form a "medical club" where practicable.
