If average be allowed on less than the whole invoice, per cent. is to be added on voyages to or from foreign ports, and ports in the Gulf of Mexico, and per cent. is to be added on coastwise risks north of Florida.

In all cases of over insurance, ten per cent. of the return premium is to be retained by the insurers, not exceeding per cent., on the amount of short property.

Fremiums on vessels and freights not to be less than those on cargoes of general merchandise for same voyages.

Specie, excepting to port or ports beyond the Cape of Good Hope or Cape Horn, to be insured as the parties may agree: provided, that it shall never be at a greater reduction than one third from the rates herein fixed for merchandise on the same passage.

Specie, to port or ports beyond the Cape of Good Hope or Cape Horn, to be considered the same as merchandise.

When several passages are included in the same policy, the rates for each passage are to be added together.

If insurance be made from foreign ports to port or ports of discharge, or final port of discharge, in the United States, the coastwise premium to be added for each port used, more than one, in the United States.

With regard to risks not provided for in this tariff, it is agreed, that the parties are to make contracts at discretion: but it is expected that the companies will require rates equivalent to those named in this tariff on risks of like value, acting in good faith, and not taking one risk for a lower rate in consideration of receiving the tariff rates on another.

PREMIUM CREDITS, IN BOSTON, ON MARINE RISKS,
From and after the first day of March, 1839.

All credits shall commence on the commencement of the risk, or as near that commencement as can be ascertained at the time of taking the risk.

All premium notes shall be considered as due on the expiration of the credit expressed in the note, unless the risk shall not have terminated, in which case it shall be sixty days after the termination of the risk; and, if not then paid, interest shall be exacted from that time till paid.

Whale fishery, to the Pacific, 18 months, or 2 months after the termination of the risk. Whale fishery, to the Atlantic, 14 months.

On time, two months after the termination of the risk.

Premiums of twenty dollars and under, cash, without discount of interest.

NEW YORK LIFE INSURANCE AND TRUST COMPANY.

It appears by the monthly report of this corporation, for August, that eighteen persons have effected an insurance on their lives. Of whom four are residents of the city of New York, and fourteen residents out of the city. They are thus classified-Merchants and Brokers, 7; Students and Clerks, 4; Mechanics, 2; Lawyer, 1; Engineer, 1; Manufacturers, 3. Of these there are insured for one year and over, 6-seven years and over, 10-for life, 2. Two were insured for $10,000 and under, ten for $5,000 and under, and six for $1,000 and under.

COMMERCIAL STATISTICS.

COMMERCE OF THE UNITED STATES.

Statistical View of the Commerce of the United States, exhibiting the value of imports from, and exports to, each foreign country, during the year ending on the 30th September, 1838; from official documents in the Treasury Department, Register's Office, May 13, 1839.

Total..

STATES.

Ships. Brigs. Sch'rs. Sloops.

113,717,404 96,033,821 12,452,795 108,486,616

NUMBER OF VESSELS BUILT IN THE UNITED STATES IN 1838. Condensed Statement of the number and class of Vessels built, and the Tonnage thereof, in each state and territory of the United States, for the year ending September 30th, 1838, from official documents in the Treasury Department, Register's Office,

April 2, 1839.

TOTAL TONNAGE.

Tons.95ths.

CLASS OF VESSELS.

Steam

boats.

TONNAGE OF THE UNITED STATES.

Statement exhibiting a condensed view of the Tonnage of the several districts of the United States, in tons and ninety-fifths, on the 30th September, 1838; from official documents in the Register's Office, April 2, 1839.

A correspondent of the New York Evening Post inquires, if the capitalists in our city, who have been recently seduced by the temptation of the United States post notes at one and a half per cent interest per month, have not made themselves liable to the penalties of our usury laws. The Revised Statutes define usury to be taking more than seven per cent per annum, for interest or forbearance, &c. The law "to prevent usury," passed in 1837-declares (Sec. 6)-that any person who shall "directly or indirectly" receive more than seven per cent per annum, &c., shall be deemed guilty of a "misdemeanor," and be punishable by "fine and imprisonment."