Usually cheques should be drawn '_to order_

Usually cheques should be drawn '_to order_.' The words '_Pay to the
order of John Brown_' mean that the money is to be paid to John Brown,
or to any person that he _orders_ it paid to. If a cheque is drawn
'_Pay to John Brown or Bearer_' or simply '_Pay to Bearer_,' any
person that is the bearer can collect it. The paying teller may ask
the person presenting the cheque to write his name on the back, simply
to have it for reference.

In municipal corporations in the United States the members are the

citizens; the number is indefinite; one ceases to be a member when he
moves from the town or city, while every new resident becomes a member
when by law he becomes entitled to the privileges of local
citizenship
In municipal corporations in the United States the members are the
citizens; the number is indefinite; one ceases to be a member when he
moves from the town or city, while every new resident becomes a member
when by law he becomes entitled to the privileges of local
citizenship. In corporations created for the emolument of their
members interests are represented by shares, which may be transferred
by their owners, and the assignee becomes entitled to the rights of
membership when the transfer is recorded; and if the owner dies his
personal representative becomes a member for the time being. In such
corporations also shares may be sold in satisfaction of debts against
their owners.

The factors which have most weight in fixing schedules of rates and

fares are what it will cost to perform the several services, what the
services are worth to those for whom they are to be rendered, and the
extent to which there is competition among rival carriers to secure
the traffic concerned
The factors which have most weight in fixing schedules of rates and
fares are what it will cost to perform the several services, what the
services are worth to those for whom they are to be rendered, and the
extent to which there is competition among rival carriers to secure
the traffic concerned. Though on the face of things it would seem that
the railways should fix the charges for their various services in
accordance with the costs of performing those services, it is neither
practicable for them to do so nor is it desirable from the standpoint
of public welfare that such a criterion should be adopted. It is
impracticable for the railroads to base their charges upon cost of
service, because it is impossible to determine accurately the elements
which enter into the cost of performing the particular transportation
service. The modern railroad is a very complex mechanism, employed in
the performance of a multitude of different services. No railroad
official is able to say just how much of the company"s total expenses
are to be charged against any one particular freight or passenger
service.

The poet lost his first-born, and Madame Hugo took it so much to heart

that he thought it wise to close their residence
The poet lost his first-born, and Madame Hugo took it so much to heart
that he thought it wise to close their residence. Besides, changes had
been made in the street so as to render it less pleasant as a residence.
After one or two changes he finally settled down in the Place Royale,
where he spent many years of his life. This dwelling was furnished to
suit the taste of a poet, and was beautiful in every respect. It was
filled with statues, paintings, and exquisite furniture, and his study,
especially, was a charming apartment. Here his friends came--and they
were numerous as the leaves upon a tree. Young authors flocked to his
rooms and received counsel, and old men came to enjoy his conversation.

A partnership is an agreement between two or more persons to

associate for the purpose of carrying on a certain form of
business
A partnership is an agreement between two or more persons to
associate for the purpose of carrying on a certain form of
business.

The Louvre continued shut against Vernet"s pictures, but the peers took

up his cause with great unanimity and enthusiasm
The Louvre continued shut against Vernet"s pictures, but the peers took
up his cause with great unanimity and enthusiasm. A list of his best
pictures was published and warmly eulogized, and as they could be seen
at his studio, the crowd of artists and critics, and others, wended
their way thither. The painter was recompensed. In the midst of this
crowd, and the confusion necessarily consequent upon their visit, Horace
Vernet went on quietly in his work, in their presence, and executed that
series of grand paintings, which in after years brought him so wide a
renown. The duke of Orleans was his warm friend. He bought many pictures
of him, and ordered himself painted in every style. Charles X. grew
jealous, and concluded it wise to withdraw his persecution of the
artist. He ordered a portrait of himself, and the Louvre was open to
him.

The empress is quite popular in France, but not so much so as the

journalists and letter-writers would make out
The empress is quite popular in France, but not so much so as the
journalists and letter-writers would make out. She is exceedingly
handsome, and this fact goes a great way with the Parisians. Her conduct
since her marriage has been irreproachable, which should always be
mentioned to her credit. But that she is naturally a very lovely woman,
gentle, and filled with all the virtues, few who know her early history
will believe. She is, like the emperor, shrewd, and acts her part well.
She is certainly equal to her position, and in goodness is satisfactory
to the French people. It has been thought by many that if Louis Napoleon
had married a French woman it would have better satisfied the people,
but this is by no means certain.

Workers, skilled and unskilled, and even the hired girl who is

paid by the month, should keep a record of the compensation
received, and how the whole or the part has been expended
Workers, skilled and unskilled, and even the hired girl who is
paid by the month, should keep a record of the compensation
received, and how the whole or the part has been expended.

After his marriage Girardin for several years turned his attention more

particularly to philanthropic projects, which should benefit the people
After his marriage Girardin for several years turned his attention more
particularly to philanthropic projects, which should benefit the people.
He advocated savings banks, and gave much of his time to their
establishment. He also founded an agricultural school. His wife turned
him somewhat from his political and speculative plans, to more practical
ones of this kind.

When a savings bank receives authorization to act, through a

charter from the state, the organizers choose a board of directors
and the proper officers
When a savings bank receives authorization to act, through a
charter from the state, the organizers choose a board of directors
and the proper officers.

The successful correspondent never overlooks the susceptibility of a

woman to flattery--but it must be the suggestion of flattery, the
implied compliment, rather than the too obvious compliment
The successful correspondent never overlooks the susceptibility of a
woman to flattery--but it must be the suggestion of flattery, the
implied compliment, rather than the too obvious compliment.

While the underwriting is going on the prospectus is being prepared by

which the subscriptions of the public are invited, and in the meantime
it will probably happen that the newspapers have had a hint that a
Ruritanian loan is on the anvil, so that preliminary paragraphs may
prepare an atmosphere of expectancy
While the underwriting is going on the prospectus is being prepared by
which the subscriptions of the public are invited, and in the meantime
it will probably happen that the newspapers have had a hint that a
Ruritanian loan is on the anvil, so that preliminary paragraphs may
prepare an atmosphere of expectancy. News of a forthcoming new issue is
always a welcome item in the dull routine of a City article, and the
journalists are only serving their public and their papers in being
eager to chronicle it. Lurid stories are still handed down by City
tradition of how great City journalists acquired fortunes in days gone
by, by being allotted blocks of new loans so that they might expand on
their merits and then sell them at a big profit when they had created a
public demand for them. There seems to be no doubt that this kind of
thing used to happen in the dark ages when finance and City journalism
did a good deal of dirty business between them. Now, the City columns of
the great daily papers have for a very long time been free from any
taint of this kind, and on the whole it may be said that finance is a
very much cleaner affair than either law or politics. It is true that
swindles still happen in the City, but their number is trivial compared
with the volume of the public"s money that is handled and invested. It
is only in the by-ways of finance and in the gutters of City journalism
that the traps are laid for the greedy and gullible public, and if the
public walks in, it has itself to blame. A genuine investor who wants
security and a safe return on his money can always get it. Unfortunately
the investor is almost always at the same time a speculator, and is apt
to forget the distinction; and those who ask for a high rate of
interest, absolute safety and a big rise in the prices of securities
that they buy are only inviting disaster by the greed that wants the
unattainable and the gullibility that deludes them into thinking they
can have it.

His father was very much displeased with his course, and sent a friend

to persuade him to relinquish it, but the deputy was so fascinated by
Poguelin"s acting, that he became a convert to him, and was not fitted
to urge the arguments of the father
His father was very much displeased with his course, and sent a friend
to persuade him to relinquish it, but the deputy was so fascinated by
Poguelin"s acting, that he became a convert to him, and was not fitted
to urge the arguments of the father. The family for a time refused in a
manner to acknowledge their son, being ashamed of his new profession;
but they are now known only through him.

The Spanish gallery contains many fine specimens of the works of the

Spanish masters, Velasquez, Murillo, and others
The Spanish gallery contains many fine specimens of the works of the
Spanish masters, Velasquez, Murillo, and others.

Possibly it is inadvisable to include a sample

Possibly it is inadvisable to include a sample. Then a picture of
the article accomplishes the purpose. A grocer who writes his
customers whenever he has some new brand of food product, always
includes in his letter a post card with a full tinted picture of the
article. For instance, with a new brand of olives he encloses a
picture of the bottled olives, tinted to exactly represent the
actual bottle and its contents, and underneath he prints the terse
statement 'Delicious, Tempting, Nutricious.' If his letter has not
persuaded the housewife to try a bottle of the olives, the picture
on the enclosure is apt to create the desire in her mind and lead to
a purchase.

In the appeal to women there is more in this tinge of off-hand

refinement, the atmosphere, the enthusiasm shown and in the little
personal touches, than in formidable arguments and logical reasons
In the appeal to women there is more in this tinge of off-hand
refinement, the atmosphere, the enthusiasm shown and in the little
personal touches, than in formidable arguments and logical reasons.
What is triviality to a man is frequently the clinching statement
with a woman. And so a fixed set of rules can not be formulated for
writing letters to women. Instead of a hard and fast rule, the
correspondent must have in mind the ideas and the features that
naturally appeal to the feminine mind and use them judiciously.

'Your letter reached me at a very opportune time as I have been

looking for a representative in your territory
'Your letter reached me at a very opportune time as I have been
looking for a representative in your territory.'

For most business men read their letters in a receptive state of

mind
For most business men read their letters in a receptive state of
mind. The letterhead may show that the message concerns a
duplicating machine and the one to whom it is addressed may feel
confident in his own mind that he does not want a duplicating
machine. At the same time he is willing to read the letter, for it
may give him some new idea, some practical suggestion as to how such
a device would be a good investment and make money for him. He is
anxious to learn how the machine may be related to his particular
problems. But it is not likely that he has time or sufficient
interest to wade through a long letter starting out:

The form letter has a heavy load which carries a row of

hieroglyphics at the bottom of the page--the 'X-Y-Z,' the '4, 8, 6,'
the 'Dictated WML-OR' and the twenty and one other key numbers and
symbols common to the form letters of many houses
The form letter has a heavy load which carries a row of
hieroglyphics at the bottom of the page--the 'X-Y-Z,' the '4, 8, 6,'
the 'Dictated WML-OR' and the twenty and one other key numbers and
symbols common to the form letters of many houses. When a man
receives such a letter, he is impressed by the mass of tangled
mechanical operations the message has undergone; on its face he has
the story of its mechanical make-up and its virility is lost,
absolutely.

The savings bank provides a safe place for the care of such

deposits, and it pays such rates of interest on such deposits as
are warranted by the earnings of its investments after paying the
expenses incident to the proper conduct of its officers
The savings bank provides a safe place for the care of such
deposits, and it pays such rates of interest on such deposits as
are warranted by the earnings of its investments after paying the
expenses incident to the proper conduct of its officers.