Diary 1920-007
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Notes on?Banks and Banking Accounts. ij Calendar for 1919 and 1921, Ready Reckoner, Income and Wages Table, &e. Mi HOW WEIGHTS AND MEASURES—-conid. READY RECKONER AND MARKETING TABLE, MISCELLANEOUS—contd. Hops, pocket of=1} to 2 cwt. Paper, quire= 24 sheets. No.] gd. | dd. | Za. | 1d. | Qd. | 3d. | 4a. | 5d. | Ga. | 7d. | Sd. | 9d. | 104.) 11d. | No. a ream = 20 quires. Parchment, roll of=60 skins. Potatoes, sack of= 168 lbs. Raisins,box of = 56 lbs. aM barrel = 112 Ibs. Soap, aS SiGe lbs. Straw, load == 36 trusses (11 cwt. 64 lbs.) ag truss of= 36 lbs. Tea, chest of, Congou= 80 to 100 Ibs. Hyson = 60 to 80 lbs. 28 2? CALENDAR FOR aleiei<! : SIS) S/SiSi8 | Ih as SSC] S|S\8 JAN. FEB. 1919. alsls 3 a8 ne SiCl sl allguzy ..|../ 7 8| 91011 [16.17/18 \20| 21 92/28/24\95 26/27/28 29/30 31)... : ..|. osfea{e| 1 || AUG. 2] 3) 4) 5) 6| 7) 8 9/10/11 12/13 14/15 16\17|18 19/20 21 22 28/24/25 26/97/28). . MARS Ocenia ster! 2| 3| 4) 5) 6) 7| 8 ||SEPT .. SS} ARI 8 wisi ids NSitdi Sv 4 gi|0 | SA 83 84 OMS 7311 CL 3i/1 1142 AU OM 28h 715 217 eS age ese |.0. Si] 1 43/2 03] 2 9:15 68 (0° SH2-5 12 121015 818 510 81 5412 211211 )510)8 38/0 911 6/2 3/8016 0/9 8710. 93} 1 63|,2 8313 116.2119 38/0 91 7/2 4418 2/6 419 3910 9}11 73/2 53413 3/6 619 40/010/1 8/2 6/3 4/6 8 |10 a) AP Regs AOC oe diese 4 8) 9110 11/12 5] 6) 7) 8] 9/10/11 15 16/17/18/19 12/18 14.15)16|17/18 20/21/22 23/24'25/26 19/2021122/23/24/25 27/28/29 30)..|..|.. 26/27 28 29/30/31]... MAY NOV es ie es CAN aa leoles 2| 3] 4) 5] 6 7] 8 44 | 0103/1 8} 2 64) 8 516 10 4| 5] 6 7| 8| 9'10 Q/10/1.1|1.2)13]14/15 42 10 Os) LOA 2 78).8 16 e710 11/12/18 1415/16/17 16/17|18)19|20|21|22 43 (0, 103) 2) (942k SEN8 Zane 18]19|20 21/22 23/24 23/24/25 '96127|28|29 44|0 11 }.110/1 2.913 84% 4 25(26|27 28/29 30|31 BOGOR R Ae ae ars 45 | 113] 1103/2 9313 9|7 6 JURE 1) 2| 8 4| 5) 6) 7 DEC. ..| 1) 2] 3] 4| 5) 6 46 | 114] 1 11 | 2 103).3:10 17.8 8] 91011 /12/13/14 7) 8| 9)10|11|12/18 | 11$| 1 113] 2123/3 41] 7 10 15}16|17 18119 20/21 14'15}16,17)18119 20 | 47 48 | 10 | 21 OnleSiO) | Ln OMEBe 60 22/93 24125126 27/28 91/92/23194125|26 27 4911 01/2 0313 Of4 118 ¢ 99/30)..(....0..L., 28'29.g0/811. .|..|. 501 03/2 1) 3 1} 4 2/8 | Golden Number, Epact, 29 Letter, E; Rom. Indic.,2; Julian Wednesday, March 5; Easter Day, June 8; Advent Sunday, November CALENDAR alalsi¢) la S1S/S$ (813s AISISRIG|E\a SAN | | ; Solar Cycle, 24; Dom. Period (Year of), 6632; Ash April 20 ; Whitsun Day, 30. , 51,| 1 2 113 2/4 318 6 at 22 3.18 oN Auanlis) (8 53] 1 2 233 34] 4 5 |8 10 54 | 1 2 818) 43/4 6190 FOR 1921. 55 | 1 2) Bh8 baled pal 9) °2 56 | 1 Qa 8 OGM MAmea NO. 4 alesis) fs Std 2 413 634 919 6 58] 2 2 15/3 7214 10)),9° 8 S/S Si S8iSrs1s 59 | 1 2 54/3 8h! 41119 10 ASIC RISIE(S 60 | 1 2161-3 SOM ONIO: (0 orcry ee 3 2 3] 4] 5] 6) 7| 81 9 70 | 1 11 10}11/12113/14/15|16 80/1 8|3 4 17|18|19 20/21 22/23 90 | 1103/3 9 24/25 |26\27/28 29/30 fool 2. 1'4 2 | ee pee ete 2| 3) 4/51 6| 7] 8 gi10/1112l13|14)15 16/17|18]19/20|21\22 28/24|25|26|27|28|29 SOSH Petes ele SLICE ne FEB, ..|..| 1] 2/3] 4/5 || AUG. ..| 1] 2] 3] 4) 5] 6 6| 7] 8) 9i10j14l12 7| 8| Oftolti2i13 13/14|15|16\17/18/19 14/15|16117|18 19120 20121 |22|28124195|26 21|92|93'24125 26)2 o7iegl. tole... 28/29|30\31)..|..).. MAR. ..|..| 1) 2] 3) 4| 5 | ser. ..|..]..1. 6] 7| | gjsol1i 12 13|14|15|16|17\18|19 20/21 \22|28124|25 [26 27\98|20|30/31)..|.. apr. ..1..|..1../..) 1/2 |] ocr. 5 8 o MAY 1 2| 3| 4) 5/ 6| 7 || Nov. 8 12 ma JUNE ..|, | DEC. 5| 6) 7] 8) 9/10/11 12}13|14]15|16\17|18 19|20|21|22l93)24\25, 26|97|28 12913 ka esid. 1] 2/3] al 8 21/0 5}/010$)1 32/1 9/3 °6)5 3/7 8 910/11 12 22/0 5H O11) 1 44/1 10/3 8/5 617 51617/18/19 98/0 59] 0113/1 53/117 /840/5 917 22 93 24195 26 6/1 0/1 6/2 0/4 0]6 0/8 30.81|..|.. | 25 24/0 |0 63/1 OM 1 632 1/4 216 3|8 (Nr aL} 96/0 6s 1 1) 1 (7a) 22)4 4216—6)8 | 7)'8. 9 9710 631 1311 82 83/4 616 919 98. (OAs 2) de OB ALS AON” © Ze 281 98),2 5 )4-10\) 7 8.) 9 30 | 74] 1 2 6/5 0/7 6 {10 9/10/11 12/13)14/15 | 21/08 id 2 26|2 Golden Number, 3; Epact, 21; Solar Cycle, 26; Dom. Letter, B; Rom, Indic., 4; Julian Period (Year of), 6634 ; Ash Wednesday, February 9; Easter Day, March a7 ; Whitsun Day, May 16; Advent Sunday, November 27. Sr ad. Wise gGilason Gn lasamcieniast Sola Side 4] 03/0 OF O80 1/0 2)0.8)0 41/0 5/0 610 7)0 8)0 91010}011| 14 B10) ORO) 1/0) PLEO 25107 4 IKO ORION Si (0 LOM Pt NO Pay UI ety tail isa. Gle etn ident slfen e 310. O20 aso) 221080 G1 Ol 9} AsO} 1 Siai6e |e 912 Oe 842° 6 )aNol s EN OveU YO SONS NOLO USN On Aiea de Shenae aa OS SOs Siem ular lade BL OM1g 0; 2H Ose OMS VOLO ia MSs a8il Qed HOM eMnet ITS cess Oh ied avoid aza ll 6}0 13/0 8/0 43/0 6/1 O0]1 6/2 0/2 6/38 01/8 6/4 0/4. 615 0/5 6! 6 TAO CLOW SA NODS OU Hl Zi Oe Mea tS 6 saa Ne TS Owe ley LOOM lo 7 B10) 2 OM 4 1 O ENO PAA AMO SST Ska Va On ais Btb eeal06 MONG Rre Ny it las 9/0 23/0 440 630 9/1 6/2 8/3 0/8 9/4 6/5 3/6 016 9/7 6/8 3] 9 40'} 23)0)5'1.0 73/040,)1 8) 2 618) 414 2/5 O1540/6 S17 6) 8 419 21] 40 41 | 23/0 530 Ol}1ji0ol2 9/8 8/4715 616 5/7 4/8 3/9 2no 1] 14 12/0 3/0 610 ¥°01/2 013 014 0/5 016 017 0/8 0/9 0110 ret © | 12 18:1 8310 GEO 98) 902 2.2: 8581 40 45 56 62 7 8.68 1190.9 [20 10 41 10) | 43 14/0 33/0 7/0103}1 21/2 4/8 6/4 8/510/7 0/8 2/9 4 |t0 6 Ha 8§ f42 10} 14 15 | 83/0 7H 114-2 812 6/8 915 016 8)7 618) 9110 1% 3112 6113 91) 45 16}0 4]}0 8) 1 14/2 8/4 0/5 4])6 8/8 0/9 4110 8 |12 0/18 414 8] 46 17} 0. 43/0 8311 03}1.5/210)4 815 8) 7 118 6/942 fll 4/12 9 4 2 its 7 | 47 18/0 44/0 9/1 1613 0/4 6/6 6/7 6/9 010 6/12 O18 6 [15 16 6] 418 19} 43/0 93/1 TS ened eG 16 Na ida Oe Cullen ta toner tears Vint Omron S, 20/0 5/010]1 198/38 4/5 016 8/8 410 0/11 8/13 4 }i5 0/16 8 lis 4120 soft, firkin= 64 Ibs. », barrel= 256 Sahaul's, Year| Mth.|Week| Day £ 1 1 2 2 3 3 4 4 5 5 6 6 7 7 sis. djs o. 70° 10 10 90 16) 6 io! 610 16/10 1 O11 10/1 015 '8 16 4117 jis 8 |18 4119 20 S21 4 b1 0122 90 4 8) 128"13 3 iT 6 9 i111 O}i2 8112 6 {12 9118 0/13 9. 16 4 14 2 |i17 8 i14 7 0115 oO 4/15 5 8 [15 10 oO l16 3 6 4 {16 8 j20 TS 5 114 9 |14 [14 15 3/15 15 16 16 16 Sac O17 6 417 11 J21 8/18 422 O}18 9 4119 2 8 {19 7 20 4 20 5 8 |20 10 OM LO ys, 1 H15 4/16 per | Per | AND WAGES i9 1420; 8 j21 “4 24 322 24 10 12 8 |25 5 |23 4 |26 21.0, 1240/27 21) 719417 8)127 apne, 4 123 9 |26 4126 8 [30 6 [23 11 [27 4 130 |24 6128 [31 6 128089 /82i< 125 8 |20 4 [33 6 |26 3 130 [33 126 10 |30 8 [34 6/27 518 4185 [28 [32 [36 6 |28 7132 8 [36 () 2/33 4/37 9 |34 4 134 11 |35' 6 [36 1 |36 -8 [37 3 |38 10 |38 5 139 140 10 |46 8 [538 6 \60 4 166 |38 8 |39 4 |39 0-40 8/41, 4 |42 0/42 8 |43 4 |44 [45 8 [52 4 |60 |67 7 '75 9 6 3 ]2 9 2 6 )2 3 vO 9 6 3. | ot 2 | 22 1 | 23 | 24 TIO 10 | 88 9 | 27 8 |. 2 7 | 28 6 | 30 58d 4 | 32 9 6 3 49.5 6 3 |: |: 3 | 2 | 1 | | Aah | 9 | 8 | 38 34 85 36 37 88 39 40 9 |: 6 |: Siilt Q |: 9 |3 6 8 |g 9 6 7 | 6 | 5 | 4 | 3 | 2 | 1 | | 11 | 10 | 44 42 43 44 45 48 47 48 49 50 3 0+ 9 |# 6 3 | 9 6 8 45 6 6 9 | 54 8 | 52 758 6 | 54 5/55 4 | 56 3 [57 2 | 58 1 | 59 | 60 2} 70 4 | 80 6 | 90 8 {100 Year | Month| _ 9 TO OPEN A BANKING ACCOUNT. GROSSED ENDORSING CHEQUES. The facilities offered in the present day—not only by Private and Joint Stock Banks, but by Goyern- ment in the Post Office Savings Bank—enable the humblest person to have his or her Banking Account. But many timidly hesitate to avail themselves of the convenience, and a still larger number only half understand how to make the most of it. It is hoped the following notes may prove helpful to both classes. Almost every Banker welcomes applications from well recommended strangers who desire to open an account. A letter should be addressed by the applicant to the manager of the Bank selected, and be accompanied by a ref€rence from one of the Bank’s customers or some person of known standing. The full name~and address of the applicant should be given, as well as the, signature which it is intended shall be used in drawing cheques. This should be taken personally, and, if accepted, the Banker will promptly supply a Cheque Book containing cheques payable either to ‘‘ Bearer”? or to “ Order’? as may be preferred, and, later on, a ‘‘ Pass Book’’ contain- ing a list of Receipts and Payments will be sent on. A cheque payable to ‘‘ Bearer’? and not crossed is termed ‘.open,’’ and may be cashed by amy person presenting it at the Bank om which it is drawn. crossed thus— CURRENT it will only be paid when presented through a Banker, and a person who takes a cheque so crossed does not receive and cannot give a beiter title to the cheque eae Aas which the person from whom he received it had. “Order ’”” cheques may be crossed in the same way as ‘ Bearer ’’ cheques with the same results. Endorsed and paid “‘ Order’’ cheques are legal evidence of pay- ment, and it is therefore advisable to keep them. AND DEPOSIT ACCOUNTS. The letter of application should also state whether a “Current Account’’ or a “ Deposit Account”’ is to be opened. The former is the ordinary form of Account in daily use by business men; the latter is generally used for temporary investments, and is only occasionally drawn upon. As a rule, Bankers make no charge for keeping a Current Account, unless, indeed, the Balance main- tained is not sufficient to cover expenses; and even then the charge is very small. On the other hand, no interest is allowed, though an exception to this must be made in the case of some few Banks who credit a small interest on the monthly balance. In the case of a ‘Deposit Account,’’ amounts paid in are left for a definite stated period, and can only be withdrawn by giving a stipulated notice. Interest is allowed on such sums of something less than Bank rate. CHEQUES AND WITHDRAWAL OF MONEY. Cheques are, as already stated, of two kinds, payable either to “Bearer” or to ‘ Order.’’ Books con- taining 25, 50, 100, or 200 are supplied by Bankers to their Customers without charge, except for value of the stamps. When filling up a cheque, care should be taken to make the wording quite distinct and compact, so as not to admit of the improper insertion of figures or addition of words not intended by the drawer, such as the alteration of 6 into 60, “‘ Eight”’ into “ Eighty,” and so on. In case the drawer desires an alteration in a cheque after it is written out, either in date, amount, or name, such alteration should be made as clearly as possible and initialed by the drawer. Should a filled-in cheque be lost, the drawer should at once forward to the bank, on which it-is drawn, the name of the person to whom payable, date, number and amount, and request them to stop payment. If a blank cheque or a Cheque Book is lost, the Bank should at once be advised; and it may here be men- tioned that Cheque Books should always be kept ee lock and key, so that they may not be tampered with, A cheque torn in two separate pieces will only ' be paid by the Banker upon whom it is drawn, after confirmation by the drawer. 2 i & Co., the value can only be obtained by passing it through a Bank account; if thus— CHEQUES—contd. A cheque drawn to the “ Exors. of H. T. Smith, deceased,”’ should be endorsed by at least one of the executors, ‘‘ For self and co-exors. of H. T. Smith, deceased, Walter Long, an executor.” A cheque to the “ Trustees of H. T, Smith’? must be endorsed by ali the Trustees, thus— John Ward \ Henry Smith Trustees of H. T. Smith. Robert Hill J Barclays Bank Limited, PAYING with the name of a special Bank, it will only be paid through that Bank; and if the name of the person who is entitled to receive payment is: added, thus— Barclays Bank Limited, a/c James Freeman, payment can be obtained only through that particular If a cheque Bank and by that particular person. : is crossed thus— Co., not negotiable, ENDORSING CHEQUES. Cheques payable to ‘‘ Bearer’’\ require no endorse ment at the back. But if the word “ Bearer’’ be crossed through, or if the word “‘ Order’’ be inserted in the place of “ Bearer,’ the person in whose favour it is drawn must endorse it, as hereafter directed for “‘ Order ’’ cheques, before it can be cashed, A cheque payable to “ Order’’ must, before pre- sentation for payment, be endorsed (or signed on the back) by the person in whose favour it is drawn, and the endorsement must agree precisely with the name on the face of the cheque, even though the name there written is incorrect. A cheque payable to the order of James Freeman, for instance, must be endorsed James Freeman, even though the right name is John Freeman, or should be returned to drawer for correction, If it is payable to Mr., Mrs., or Miss J. Freeman, it will still be correct to endorse it. Freeman. The following are proper endorsements in excep- tional cases :— A cheque payable to Dr. H. T. Smith should be endorsed ‘‘ H. T. Smith, M.D.” One to Captain Smith should be endorsed “ H, T. Smith, Capt.’ A cheque to Messrs. Smith’s may be endorsed either “‘ Smith’s,” “ Smith & Co.,’”’ “Smith & Son,” “Smith Bros.,”’ “H. & T,. Smith,” or similar, A cheque to Mrs. Henry Smith should be endorsed with Christian and surname, and below it “ wife of Henry Smith.”’ A cheque to Miss Smith (now Mrs. Jones) should be endorsed with Christian and surname thus, “H. T. Jones, nee Smith,’ A cheque may be endorsed by a qualified clerk thus, “ per pro H. T. Smith, Walter Long.” . Cheques payable to a limited Company, ‘* Smith, Son & Co., Ltd.,’” should be endorsed with the name of the company, and a qualified official should add his signature thus, ‘‘ Smith, Son & Co., Ltd., Walter Long, Secretary.” i s MONEY IN. A list of amounts paid in should be made on a suitable form, a supply of which will always be pro- vided by the Bank on application. Most London Banks have one form for London cheques and another for country cheques, Before paying in a cheque it should be examined to see that it is in order as to Date, Signature, Amount, etc., and should then, if payable to “Order,” be properly endorsed as already explained. The ex- amination may seem unnecessary, yet it is by no means unfrequent to find the signature omitted or the cheque incorrectly made out in some way. CLEARING AND COMMISSION. Before placing to their customers’ credit cheques paid in, Bankers require a certain number of days to ‘clear’? the cheques: one for a London cheque, four for an English country cheque, and five for a Scotch or Irish cheque. The time taken to clear a cheque varies at different Banks, and the customer may probably hear earlier if a cheque has not been paid, especially if it has to be collected locally. Should information be desired before the above periods have elapsed, the Banker will, if so instructed, send the cheque specially to the paying Bank with request to wire the result. i For the collection of Scotch and Irish cheques a commission is charged as follows :— Amounts up to £33 6s. 8d. ...........-- ; as » £50 0s. 0d. . : » $66 13s. 4d. . » £83 6s. 8d. ... a ” i epi BAO WEAN Goaoasone eroreiate and after ad valorem. DISCOUNTING. Bills and Promissory Notes will be discounted by a Banker at ordinary rates, provided they are signed by persons of known position. The securities should be submitted to the Manager of the Bank with a request for discounting. THE PASS BOOK. Every customer is supplied by the Banker with a Pass Book, in which are entered from time to time a list of all sums paid in, cheques drawn, value of Cheque Books, Commissions paid, etc. This list should be carefully examined at frequent intervals, and any mistakes or omissions pointed out to the Bank as soon as possible. A newly-married woman who has had a Bank account in her maiden name should, on marriage, send in her Pass Book to be made up, with instructions as to change of address and a specimen of her new signa- ture. Some Bankers also require production of the marriage certificate. On the death of a customer, Pass Books should be sent in, with notification of date of death. Cheques presented after the customer’s death is notified will not be paid by the Banker, no matter when drawn, but will be returned by the Bank marked ‘‘ Drawer deceased.” 4 me TABLE. Per | Per | per | Per Year | Mth. | Week | Day | dis dj £ 8.\£ Oz] 8 G0 1 | 8 100 1d} 3 OF 13419 00 2 711 010 24412 01 22113 O01 3.414 G1 32415. O11 3E115 G1 4 447 ol 0/1 44448 43019 te o 18: 0/18 17 |21 325 6 129 17 4 |21 8 |26 130 17 8 |22 1 |26 6 |30 18 |22 6 |27 [31 18 4|2211 |27 6 [32 18 8/23 4 28 [32 19 28 9 }28 6/83 19 4 |24 2 ]29 [33 19 8 \24 7129 6/34 20 125 (30 0135 2304 2135 40 26.8 4140 46 30 6/45 152 33 441 8 50 068 INCOME “Por | per | Per iPer{ 0/8 9 |lO 6/12 3/14 4/9 2 lia 0/12 10 14 8/9 71 6113 5115 0/10 12 114 [16 4/10 5 [12 6 ii4 7116 8 110 10 |18 15 2 117 Of11 8.118 6 115 9 |¥s aves Sido. Wet AUTSN 812) 1 \14 6 16 11 107 0/12 6115 17 6120 * x | 8 Per Per Week Day 8. d.£ s.d.|s dj £ s| £'s. dileisirdy fms ds 13 40 3 St} 200/113 4,0 7 840 1 1G 14 20 3 3h0 54} 39 2.10 0} 011 640 1 7 15 00 3 540 6 | 40013 68/015 4410 2, 24 16 80 31040 63) 500) 4 8 4/019 230 2 9 18 40 4 220 72] 60 50 0) Tt 31 10 6384 8% 000 4 740 8 | 70 o 5 16811 611 310 180 5 0/0 8k} 80 6 13 44110 930 4 4% 3 40 5 440 944 9007100114 730 4 113 5 00 5 94:0 931100 o 8 68) 118 540° 5 BE 6 80 6 17,0 10$)200 G16 13 4) 3 16 11 10 114 8 40 6 640 114]300 025 00/515 43016 53 1 11 6 8 7 13 10#/1 10 010 611 (0 113) 4600 033 11 810 7 33/1 034500 a 18 44912 321 7 4% | If the wages be guineas, add 1d. per month or 4d. per week for each guinea, \ BARCLAYS with which HEAD. ISSUED CAPITAL RESERVE FUND - - e FREDERICK has lately been BANK amalgamated OFFICE " - - : the 54, : London Provincial LOMBARD & LIMITED South STREET, Western Bank LONDON, Limited. E.C. 3. £14,137,552 AMOUNT PAID UP - = : o : £7,000,000 DEPOSITS - Sir HERBERT HAMBLING, Deputy-Chairman. CRAUFURD GOODENOUGH, EsQ., Chairman. EpmuND HENRY! PARKER, EsQ., Vice-Chairman. General Managers: WIiLLiaAM Favitu TuKke, Esg.; WILLIAM CARRUTHERS, ESQ. £8,820,556 £ 239,660,000 The Bank issues Drafts and Letters of Credit on all the principal towns of the world; makes Mail and Telegraphic Transfers ; effects Foreign Collections ; establishes Documentary Credits, and generally undertakes every description of BRITISH —__. Over 1,370 AND FOREIGN BANKING BUSINESS. Special attention is given to the financing of produce in transit. i branches.in Great Britain, and agents and correspondents in all the principal banking Foreign Branch: 168, FENCHURCH STREET, LONDON, E.C. 3. towns abroad. — |