OUR kinds of cards are in general use, viz.: Wedding, Autograph or Visiting, Address, and Business cards. The wedding has already been described. The visiting card is used principally by the lady in her calls among acquaintances in the city. The address card is also frequently used for the same purpose, and is useful to present when it may be desired to open future correspondence. The business card is valuable for advertising purposes. They are illustrated on the following pages. In the autograph card, Chas. H. Briggs will write his name as follows:

Liss Edith W Eniggs.

Or the name may be without the Miss, thus:

Emily A. Triggs.

The address card may read thus:

Chas. H. Briggs.

His wife will write her name:

Sirs. Chas. H. Briggs.

Mers. Chas. H. Briggs.

18 Beverly Place.

Or it may read thus:

Mers. Chas. H. Briggs.

Appleton, Wis.

His daughters will add Miss to their names, thus:

Autograph cards should be used only among those acquaintances to whom the residence is well known. Business cards should contain upon their face the name, business, address and references, if references are used.

N the transaction of business, it becomes necessary for all persons to occasionally write various business forms. Among those in most frequent use are Receipts, Orders, Bills of Articles Purchased, Promissory Notes, Checks, Drafts, etc.

To better understand these, it is well to be acquainted with the meaning of the various commercial terms to be constantly seen in our general reading.

$

Definition of Commercial Terms.

means dollars, being a contraction of U. S., which was formerly placed before any denomination of money, and meant, as it means now, United States Currency.

£means pounds, English money. @stands for at or to. b for pound, and bbl. for barrel; for per or by the. Thus, Butter sells at 20@30cb, and Flour at $8@128 bbl. % for per cent and for number.

May 1.- Wheat sells at $1.20@1.25, "seller June." Seller June means that the person who sells the wheat has the privilege of delivering it at any time during the month of June.

Selling short, is contracting to deliver a certain amount of grain or stock, at a fixed price, within a certain length of time, when the seller has not the stock on hand. It is for the interest of the person selling "short," to depress the

market as much as possible, in order that he may buy and fill his contract at a profit. Hence the "shorts" are termed "bears."

Buying long, is to contract to purchase a certain amount of grain or shares of stock at a fixed price, deliverable within a stipulated time, expecting to make a profit by the rise of prices. The "longs" are termed "bulls," as it is for their interest to "operate" so as to "toss" the prices upward as much as possible.

Promissory Notes.

A promissory note is a promise or engagement in writing to pay a specified sum at a time therein limited, or on demand, or at sight, to a person therein named, or his order or assigns, or to the bearer. The person making the note is called the drawer or maker.

A note is void when founded upon fraud. Thus, a note obtained from a person when intoxicated, or obtained for any reason which is illegal, cannot be collected. A note given upon Sunday is also void in some States.

Notes bear interest only when it is so expressed; after they become due, however, they draw the legal rate of the State. Notes payable on demand or at sight, draw no interest until after presentation or demand of the same has been made, unless they provide for interest from date on their face; they then draw the legal rate of interest of the State.

If" with interest" is included in the note, it

draws the legal rate of the State where it is given, from the time it is made.

If the note is to draw a special rate of interest higher than the legal, but not higher than the law allows, the rate must be specified.

If the note is made payable to a person or order, or to a person or bearer, to a person or his assigns, or to the cashier of an incorporated company, such notes are negotiable.

When transferring the note, the indorser frees himself from responsibility, so far as the payment is concerned, by writing on the back, above his name, "Without recourse to me in any event." When a note is made payable at a definite period after date, three days beyond the time expressed on the face of the note (called days of grace) are allowed to the person who is to pay the same, within which to make such payment. Notes payable on demand are not entitled to days of grace.

If a note is payable at a bank, and is held there on the day upon which it falls due, until the usual hour for closing, ready for receiving payment thereon, no further demand upon the maker is necessary, in order to charge the indorser. The demand must, in all cases, be made upon the last of the days of grace; a demand before that time passing for nothing as against the indorser.

The days of grace, which must be computed according to the laws of the State where the note is payable, are to be reckoned exclusive of the day when the note would otherwise become due, and without deduction for Sundays or holidays; in which latter case, by special enactments in most of the States, notes are deemed to become due upon the secular day next preceding such days. Thus, a note, due upon the twenty-fifth day of December, is payable on the twenty-fourth, as the day when due is Christmas day; if the twenty-fourth chance to be Sunday, it is due upon the twenty-third.

In order to charge an indorser, the note, if payable at a particular place, must be presented for payment at the place upon the very day it becomes due; if no place of payment be named, it must be presented, either to the maker personally, or at his place of business, during business hours, or at his dwelling house, within reasonable hours; if payable by a firm, a presentment may be made to either of the partners, or at the firm's place of business; if given by several persons jointly, not partners, the demand must be made upon all. If the note has been lost, mislaid, or destroyed, the holder must still make a regular and formal demand, offering the party at the same time, a sufficient indemnity in the event of his paying the same.

$500.

dollars, for value received

Orson Kendall