Interest Rules

THREE PER CENT: Multiply the principal by the number of days, divide the product by 12. Point off five figures for decimal of a dollar, if the principal contained cents; if not, then point off three figures.

FOUR PER CENT: Multiply by number of days and divide by 9. Point off five or three figures.

FIVE PER CENT: Multiply by number of days, divide by 9 and this result by 8. Point off four or two figures.

SIX PER CENT: Multiply by number of days and divide by 6. Point off five or three figures.

SEVEN PER CENT: Multiply by number of days, divide by 6 and add one-sixth of this result. Point off five or three figures.

SEVEN AND THREE-TENTHS PER CENT: Multiply by twice the number of days. Point off six or four figures.

EIGHT PER CENT: Multiply by number of days, divide by 6 and add one-third of this result. Point off five or three figures.

NINE PER CENT: Multiply by number of days and divide by 4. Point off five or three figures.

TEN PER CENT: Multiply by number of days, divide by 6, and then divide this result by 6. Point off four or two figures.

TWELVE PER CENT: Multiply by number of days and divide by 3. Point off five or three figures.

FIFTEEN PER CENT: Multiply by number of days, divide by 6 and then divide this result by 4. Point off four or two figures.

EIGHTEEN PER CENT: Multiply by number of days and divide by 2. Point off five or three figures.

Amortization

To find a uniform amount to be paid annually (or periodically), on account of a debt, in order to make full payment of principal and interest in a certain number of years (or periods) divide the interest for the first year by the compound interest on $1.00 for the total number of years. The quotient added to the first year's interest will give the annual payment.

Example: Debt is $100.00 at 5% due in 3 years. Interest first year is $5.00. Compound interest on $1.00 for 3 years is .157625.

$5.00.15762+5.00 $36.72, the amount of the annual payment.

Insurance Short Rate Table

Unless otherwise specifically provided for in the schedules or rules, a policy if cancelled at short rates and the date of cancellation makes the time more than the number of days shown in the table below, the next highest number of days is to be taken for the basis of cancellation for annual policies, and the next highest number of months for term policies.

52

1.90 3.81

5.71

7.62

55

1.82 3.63

5.45

9.52 11.43 7.27 9.09 10.91

57/2

1.74

3.48

5.22

60

1.67 3.33

5.00

62/2

1.60 3.20

4.80

13.33 15.24 17.14 19.05 22.86 12.72 14.55 16.36 18.18 6.96 8.70 10.43 12.17 13.91 15.65 17.39 6.67 8.33 10.00 11.67 13.33 15.00 16.67 6.40 8.00 9.60 11.20 12.80 14.40 16.00 6.15 7.69 9.23 10.77 12.31 13.85 15.38 18.46 5.93 7.41 8.89 10.37 11.85 13.33 14.81 17.78 2.86 4.29 5.71 7.14 8.57 10.00 11.43 12.86 14.29 17.14 1.38 2.76 4.14 5.52 6.90 8.27 9.65 11.03 12.41 1.33 2.67 4.00 5.33 6.67 8.00 9.33 10.67 12.00

21.82

20.87

20.00

19.20

13.79 16.55

13.33 16.00

KEY-A six per cent. stock which sells at 85 yields 7.06 per cent. Look down the 6 per cent. column till opposite 85.

Duration of California Canning Season
Shown by Varieties

Solid black indicates heavy period of packing

Rates on Parcel Post

ZONE:

Local-One-half weight plus 5 c-drop fraction. 1st and 2d-Weight plus 4c..

3d-Weight multiplied by 2 plus 4c.

4th

"4 66 3c.

70 LBS. LIMIT

50

LBS.

LIMIT

Parcel Post matter must not exceed 84 inches in length and girth combines.

C. O. D. (which includes insurance fee).

War Tax-Payable with Special Internal Revenue Stamps

1 cent. . . . . . . for 25c postage | 3 cents for 51c to 75c postage, 2 cents for 26c to 50c (6 etc., in multiples of 25c War tax payable on postage only-not on insurance or C. O. D. fee.

Parcel Post Regulations

Rates of postage on packages weighing not more than four ounces are one cent for each ounce or fraction thereof.

Packages weighing more than four ounces take parcel post pound rates which are arranged according to distance carried.

A parcel post package may weigh from four ounces to 70 pounds for delivery within local, 1st and 2nd and 3rd zones, and 50 pounds for delivery in the 4th, 5th, 6th, 7th and 8th zones, and must not exceed in size 84 inches in length and girth combined.

BOOKS: The rate of postage on books weighing eight ounces or less shall be one cent for each two ounces or fraction thereof, and on those weighing in excess of eight ounces the regular zone rate shall apply.