On the next page or leaf the Payments:

Rent.

Rent.

Rent.

Rent.

Taxes.

Taxes.

Wages.

Wages.

Wages.

Wages.

Pew

Rent.

Taking Stock-Once a year some people "take Stock;" that is, calculate the value of all their property, by the help of a Share-list of that date, such as is published in every day's Times, or in a more complete form as a separate daily publication.

Ready Reckoners.-Every one should possess "A Ready Reckoner." There is a very good one by Masters, edited by John Heaton; London, Routledge & Co., price Is. Buy the latest edition. It is of use in many ways, and contains Tables of Interest, Wages, Per-Centage, Weights and Measures, &c.

Bank Notes.-When you receive Bank notes make a memorandum of their numbers; and if lost, write to the Bank that issued them, stating amount, number, town, and date of each note. They will charge a small sum for entry, and stop the note if presented for payment. It is an excellent plan to write your name or your

initials, with the date of receiving it, at the back of each note, in order to identify it among others, in case of any misunderstanding after it has been received or paid away; thus

F. M. S. May 3, 1863.

SIGNING DOCUMENTS.

Inexperienced persons should pause before they consent to sign their name to any Document, and particularly before signing and putting their finger on the seal and saying the cabalistic words, "I deliver this as my Act and Deed." Let them understand well what it is they are undertaking the responsibility of.

RESIDENCE AND ADDRESS.

When you place any money in an investment be particular to send your full address, legibly

written, to the Secretary of the Company, and inform him to what Banker they are to pay your Dividends. If you change your residence, immediately write to inform him of the fact. It is best to do this a little time before the money is due. In business letters, write your signature always in the same manner that it may be recognised.

Sir, I request you to take notice that my address in future will be A. B. at

Place,

(Town), and to enter it accordingly in your books. I beg you will acknowledge the receipt of this letter.

(Here add your signature, address, and date.)

BUSINESS TRANSACTIONS WITH FRIENDS.

In transacting business, such as buying or selling Stocks, Railway Shares, and especially Land, or in any money affairs, even with the nearest

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