Business Hints for Men and Women by Alfred Rochefort Calhoun (important of reading books .TXT) 📕
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Find a good honest lawyer, despite sneers to the contrary, we believe most men in the profession are of this character, and ask his advice, and pay for his help if papers are to be drawn.
Buying rentable real estate is usually a good investment, provided always that the price is reasonable, the title clear, and the chances of its advancement pretty certain.
MEET YOUR DUES PROMPTLY
It is estimated that every man and woman in the United States belongs to one or more societies of some character, and this is not an overstatement.
Every member of such an organization is such by reason of election and the payment of dues.
If you are a member of, or a pledged contributor to, a church, lodge, grange, or other society, you should regard the prompt payment of your dues as sacred as any other form of obligation.
The expenses of a properly conducted church are always considerable, even in small communities. It is a disgrace to the Christian organization that, after forcing down the pastor’s compensation to the barest cost of life’s necessities, then force him to run into debt if he and his family would live, or to be forced continually to remind the trustees that his salary is far in arrears.
If you belong to a lodge or other society, leave it if you honestly feel that you cannot afford the dues. Neglect to do this and your name will be dropped from the rolls on which it never should have been placed.
COUNTING MONEY
Never receive money from any one without counting it. Count it at once and in the presence of the giver.
Let it make no difference, banker, merchant, kinsman or friend, do not fear to give offence, but right then and there, count the money he gave you.
Of course, these people are honest, but did it ever occur to you that honest people often make mistakes?
Whenever you pay another money, if he does not do so himself, you should insist that he count it in your presence.
If you do this you won’t lose a friend, but if you do not do it you may make an enemy, should the man come back to say you made a mistake and underpaid him, and you very properly refuse to honor his claim.
READY MONEY
Do not, if you can possibly avoid it, keep money around your house, in your place of business, or on your person.
The professional thief is ever on the watch for chances to take unto himself all the money in sight.
Pickpockets reap their harvest from money carriers.
The burglar may steal or fire may destroy money left in the house.
A bank, if not near one then a safe, is the best place for money, though safes have been broken into and robbed.
Do not make a display of money at any time, but particularly in a public place.
If you are drawing money from a bank, count it quickly and quietly, then secure it in an inside pocket that cannot be reached without unbuttoning.
Never cash a check for a man whom you do not know to be square.
The same applies to the endorsement of checks.
IN TRAVELLING
Always be courteous in travelling, but never take the chance acquaintance of the steamboat or car into your confidence.
Keep an eye on the man who “fortunately is going just your way.”
Watch out for the fellow who knows the leading men of your town and is a cousin of Judge Smith.
Do not respond if such men ask you to cash a small check or make a slight advance till his draft arrives.
Do not accept the invitation of strangers to visit any place.
Avoid the confidence of the over-dressed, but slightly intoxicated young fellow who “has been out with college chums.” He is not a college man, nor has he been drinking.
” Italian ditto—The same as above. � Degrees. ‘ Primes, Minutes, Test. ” Seconds, Inches. Thus, 7� 20′ 10″ in circular measure, or 7′ 20″ 10”’ in duodecimal long measure. I1 One and one-fourth. I2 One and one-half. I3 One and three-fourths. + Latin plus, more—Addition. - Latin minus, less—Subtraction. X By, or into. Multiplication. Also area, as 20 X 5, read 20 by 5, means 20 long and 5 wide. � Divided by—Division. The : above is also a sign of division as used in ratio, thus, 4:7; and the � alone is a sign of division as used in writing fractions, thus, 4/7. = Equals. The double ::, as used in proportion, is also a sign of equality, thus, 4:7::12:21. % Per centum. By the hundred. Rate of interest. P Per, by or through. $ Dollars; said to be a contraction of U. S. for United States money. # Means Number, if before a figure, as #90, but pounds if written after, as 90#. @ Latin ad., meaning to or at. A1. First Class, the best. A. or Ans. Answer. Acc., Acct. or a/c, Account. Adv. Latin ad valorem, according to value. Admr. Administrator. Admx. Administratrix. Adv. or Ad., Advertisement. Agt. Agent. Amt. Amount. a/o At sight or Account Sales. Ass’d. Assorted. Asst. Assistant. Bal. Balance. B.B. Bill Book. Bbl. Barrel or Barrels. Bdls. Bundles. B/E Bill of Exchange. Bgs. Bags. Bk. Bank; Book. Bkts. Baskets. B/L Bill of Lading. Blk. Black. Bls. Bales. Bot. Bought. B.P. Bills Payable. B.Rec. Bills Receivable. Bro’t. Brought. Bu. Bushel or Bushels. Bx. Box or Boxes. Cash. Cashier. C.B. Cash Book. Chgs. Changes. Chts. Chests. C.H. Court House; Custom House. C.F.S. Carriage and Insurance Free. Cks. Casks or Checks. Clk. Clerk. Co. Company; County. C.O.D. Cash, or Collect, on Delivery. Col. Collection. Com. Commission. Const. Consignment. Cor. Sec. Corresponding Secretary. Cr. Credit; Creditor. C.S.B. Commission Sales Book. Ct. or c. Cent, Latin Centime, a hundred. Cts. Cents. Cwt. A hundred weight. D. B. Day Book. D/d. Days after date. Dept. Department; Depment Dft. Draft; Defendant. Disct. Discount. Div. Dividend, Division; Divide, Divisor. Do. The same. Doz. Dozen. Dr. Debtor; Doctor. D/s or d.s. Days after sight. ea. Each. E.E. Errors excepted; Ells English. E.g. Latin Exempli gratia. For example. Encl. Enclosed. E.&O.E. Errors and omissions excepted. et. al. Latin et Alii, And others. Exch. Exchequer; Exchange. Ex’x. Executrix. Exp. Export; Exporter; Expense. Fahr. Fahrenheit. Fav. Favor. Fir. Firkin. Fo. or Fol., Folio. F.O.B. Free on Board. Fo’d. Forward. fr. From. Frt. Freight. Gal. Gallon; Gallons. Gr. Grain, Grains. Guar. Guarantee. Hdk’f. Handkerchief. Hf. chts. Half Chests. Hhd. Hogshead. Hon. Honorable. Hund. Hundred. I.B. Invoice Book. i.e. Latin id est. That is. Incor. Incorporated. Ins. Insurance. inst. Instant, the present month. Int. Interest. In trans. Latin, In transito. In the passage. Inv. Invoice. Inv. Inventory. Jr. Junior. Kg. Keg. L or lb. Latin Libra, A pound in weight. L/C Letter of Credit. Led. Ledger. L.F. Ledger Folio. L.S. Left Side, or in Latin, Locus Sigilli, Place of the Seal. M. One thousand. Manuf. Manufacture; Manufacturer. Mdse. Merchandise. Mem. Memorandum. Messrs. French Messieurs, Gentlemen, Sirs. Mf’d. Manufactured. Mfst. Manifest. Mme. Madame, French. Mmes. Mesdames, plural. Mo. Month. Mol. Molasses. Mr. Master or Mister. Mrs. Mistress, usually pronounced “Missis.” Mtg. Mortgage. N.A. North America. Nav. Navigation. N.B. Latin Nota bene. Note well, or Take Notice. No. or # Number. N.P. Notary Public. O.B. Order Book. O.K. All Correct. Oz. Ounce or ounces. P. Page; pint; pile; part. Payt. Payment. Pcs. Pieces. Pd. Paid. Per an, or p. a., Latin per annum. By the year. % Per cent. By the hundred. Pk. Peck. Pkg. Package. P.& L. Profit and Loss. P.O.D. Pay on Delivery. P.O.O. Post Office Order. Pp. Pages. Pr. or per. By. Prem. Premium. Prox. Latin Proximo menve. Next month. P.S. Post Script. Pub. Publisher; Public. Pwt. Pennyweight. Qr. Quire; Quarter, 28 lbs. Qt. Quart; Quantity. Rec’d. Received. Ret’d. Returned. R. R. Railroad. Ry. Railway. S.B. Sales Book. Sch. Schooner. Shipt. Shipment. S.O. Seller’s Option, a stock phrase. Sig. Signature. S.S. Steamship. St. Saint; Street; Sight. St. Dft. Sight Draft. Stor. Storage. Str. Steamer. Sunds. Sundries. Supt. Superintendent. T.B. Time Book. Treas. Treasurer. Ult. Latin, Last Month. U.S.A. United States of America. United States Army. U.S.M. United States Mail. U.S.N. United States Navy. Ves. Vessel. Via. By way of. Latin. V.-Pres. Vice-President. Viz. Contraction from Latin videlicet. Namely, to wit. Vol. Volume. Vs. Latin versus. Against. W.B. Way Bill. Wt. Weight. X Extra. XX Doubly Extra. Y. or Yr. Year. Yd. Yard.
ACCOUNT CURRENT. A running account between two persons or firms. ACCOUNT SALES. A detailed statement of the sale of goods by a commission merchant, showing also the charges and net proceeds. ADMINISTRATOR. A man appointed by the Court to settle the estate of a deceased person. ADMINISTRATRIX. A woman appointed by the Court to settle the estate of a deceased person. AD VALOREM. According to value. A term used in the Custom House in estimating the duties on imported goods. AFFIDAVIT. A written declaration under oath. ANNUITY. An annual allowance; a sum to be paid yearly, to continue for life or a fixed period. ANNUL. To cancel; to make void. ANTEDATE. To date before time of writing. APPRAISED. The act of placing a value on goods. APPRAISER. A person appointed to value real or personal property. ARBITRATION. The settlement of a disputed question by a person chosen by the parties to the dispute. ASSETS. The total resources of a person in business. ASSIGNEE. A person to whom the property of a bankrupt, or an insolvent debtor, is transferred for adjustment for the benefit of Auditors. ASSIGNMENT. The act of transferring property to the Assignee. ATTACHMENT. A warrant for the purpose of seizing a man’s property. BALANCE SHEET. A statement in condensed form, showing the condition of a business. BANKABLE. Receivable at a bank at par or face value. BANK BALANCE. Net amount on deposit in bank. BILL OF LADING. A written account of goods shipped, and the condition of same, having the signature of the carrier, and given to shipper as a receipt. BILL OF SALE. A bill given by the seller to the buyer, transferring the ownership of personal property. BOARD OF TRADE. An association of business men for the regulation of commercial interests. BONA FIDE. Latin, in good faith. BOND. An instrument under seal, by which a person binds himself, his heirs or assigns, to do or not to do certain things. BONDED GOODS. Goods stored in a bonded warehouse or in bonded cars, the owner having given bonds securing payment of import duties, or of other sums due the Government, upon their arrival at some specified place at a specified time. BONDED WAREHOUSE. Is a building in which goods are stored until the duties or revenues on them are paid. BONDSMAN. One who goes security for the faithful performance of a contract. BONUS. A premium for a loan or other privileges. BROKER. An agent or middleman between the buyer and the seller. BULLION. Uncoined gold or silver. CHARTER. A written authority from the proper National or State authority defining the rights and privileges of corporations. CHARTER PARTY. A written contract for the hiring or chartering of a ship. CHATTEL. Any kind of property except real estate. COLLATERAL. Pledges of stocks, notes, or chattels as security for the payment of a loan. COMMERCE. The business of exchanging commodities between different places. COMMISSION AGENT. One who does business on Commission. COMMON LAW. The unwritten law, the law of Custom. It receives its force from universal usage. CONSIGNEE. The person to whom goods are sent to be sold on commission. CONSIGNOR. The one who consigns his goods to an agent. CONTRA. Latin. On the opposite side. COPARTNERSHIP. The joining of two or
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