Pat , There are 18 Albert Palmers listed so I checked all ship names and the one that fits what you say is Albert Palmer born 1873 Ramsey, able seaman on the vessel "Mona" list started 1907 previous ship "Mona's Isle " source code I.D.191707 from "Clip CD 1863 to 1913 records for the British Isles.

Go to my home-page www.kneen.com click on Manx lifeline and scroll through to part 2 "Past Classic Packets" check on photo # 12 and #28 for short write up of both ships and photo's.