CODICIL.

Whereas I, Charles Mansfield, did, on the fourth day of April, one thousand eight hundred and seventy-two, make my last will and testament, I do now, by this writing, add this codicil to my said will, to be taken as a part thereof.

Whereas, by the dispensation of Providence, my daughter, Anna Louise, has deceased November fifth, eighteen hundred and seventy-three, and whereas, a son has been born to me, which son is now christened Richard Albert Mansfield, I give and bequeath unto him my gold watch, and all right, interest, and title in lands and bank stock and chattels bequeathed to my deceased daughter, Anna Louise, in the body of this will. In witness whereof, I hereunto place my hand and seal, this tenth day of March, eighteen hundred and seventy-five. Signed, sealed, published, and declared to

us by the testator, Charles Mansfield, as and for a codicil to be annexed to his last will and testament. And we, at his request, and in his presence, and in the presence of each other, have subscribed our names as witnesses thereto, at the date hereof.

FRANK E. DENT, Salem, Ills.

JOHN C. SHAY, Salem, Ills.

CHARLES MANSFIELD. [L.S.]

CHURCH ORGANIZATIONS

May be legally made by electing or appointing, according to the usages or customs of the body of which it is a part, at any meeting held for that purpose, two or more of its members as trustees, wardens or vestrymen, and may adopt a corporate name. The chairman or secretary of such meeting shall, as soon as possible, make and file in the office of the recorder of deeds of the county, an affidavit substantially in the following form: STATE OF ILLINOIS,

SS.

day of

I, , do solemnly swear (or affirm, as the case may be), that at a meeting of the members of the (here insert the name of the church, society or congregation as known before organization), held at (here insert place of meeting), in the County of -, and State of Illinois, on the -, A.D. 18-, for that purpose, the following persons were elected (or appointed) [here insert their names] trustees, wardens, vestrymen, (or officers by whatever name they may choose to adopt, with powers similar to trustees) according to the rules and usages of such (church, society or congregation), and said

adopted as its corporate name (here insert name), and at said meeting this affiant acted as (chairman or secretary, as the case may be).

Subscribed and sworn to before me, this

18

day of

Name of Affiant

A.D.

which affidavit must be recorded by the recorder, and shall be, or a certified copy made by the recorder, received as evidence of such an incorporation.

No certificate of election after the first need be filed for record.

The term of office of the trustees and the general government of the society can be determined by the rules or by-laws adopted. Failure to elect trustees at the time provided does not work a dissolution, but the old trustees hold over. A trustee or trustees may be removed, in the same manner by the society as elections are held by a meeting called for that purpose. The The property of the society vests in the corporation. The corporation may hold, or acquire by purchase or otherwise, land not exceeding ten acres, for the purpose of the society. The trustees have the care, custody and control of the property of the corporation, and can, when directed by the society, erect houses or improvements, and repair and alter the same, and may also when so directed by the society, mortgage, encumber, sell and convey any real or personal estate belonging to the corporation, and make all proper contracts in the name of such corporation. But they are prohibited by law from encumbering or interfering with any property so as to destroy the effect of any gift, grant, devise or bequest to the corporation; but such gifts, grants, devises or bequests, must in all cases be used so as to carry out the object intended. by the persons making the same. Existing societies may organize in the manner herein set forth, and have all the advantages thereof.

SUGGESTIONS TO THOSE PURCHASING BOOKS BY SUBSCRIPTION.

The business of publishing books by subscription having so often been brought into disrepute by agents making representations and declarations not authorized by the publisher; in order to prevent that as much as possible, and that there may be more general knowledge of the relation such agents bear to their principal, and the law governing such cases, the following statement is made:

A subscription is in the nature of a contract of mutual promises, by which the subscriber agrees to pay a certain sum for the work described; the consideration is concurrent that the publisher shall publish the book named, and deliver the same, for which the subscriber is to pay the price named. The nature and character of the work is described in the prospectus and by the sample shown. These should be carefully examined before subscribing, as they are the basis and consideration of the promise to pay,

and not the too often exaggerated statements of the agent, who is merely employed to solicit subscriptions, for which he is usually paid a commission for each subscriber, and has no authority to change or alter the conditions. upon which the subscriptions are authorized to be made by the publisher. Should the agent assume to agree to make the subscription conditional or modify or change the agreement of the publisher, as set out by prospectus and sample, in order to bind the principal, the subscriber should see that such conditions or changes are stated over or in connection with his signature, so that the publisher may have notice of the same.

All persons making contracts in reference to matters of this kind, or any other business, should remember that the law as to written contracts is, that they can not be varied, altered or rescinded verbally, but if done at all, must be done in writing. It is therefore important that all persons contemplating subscribing should distinctly understand that all talk before or after the subscription is made, is not admissible as evidence, and is no part of the

contract.

Persons employed to solicit subscriptions are known to the trade as canvassers. They are agents appointed to do a particular business in a prescribed mode, and have no authority to do it in any other way to the prejudice of their principal, nor can they bind their principal in any other matter. They can not collect money, or agree that payment may be made in anything else but money. They can not extend the time of payment beyond the time of delivery, nor bind their principal for the payment of expenses incurred in their buisness.

It would save a great deal of trouble, and often serious loss, if persons, before signing their names to any subscription book, or any written instrument, would examine carefully what it is; if they can not read themselves, should call on some one disinterested who can.

6

INTEREST TABLE.

A SIMPLE RULE FOR ACCURATELY COMPUTING INTEREST AT ANY GIVEN PER CENT. FOR ANY LENGTH OF TIME.

Multiply the principal (amount of money at interest) by the time reduced to days then divide this product by the quotient obtained by dividing 360 (the number of days in the interest year) by the per cent. of interest, and the quotient thus obtained will be the required interest.

ILLUSTRATION.

Require the interest of $462.50 for one month and eighteen days at 6 per cent. An interest month is 30 days; one month and eighteen days equal 48 days. $462.50 multiplied by 48 gives 222,0000; 360 divided by 6 (the per cent. of interest) gives 60, and $222.0000 divided by 60 will give you the exact interest, which is $3.70. If the rate of interest 6)360) in the above example were 12 per cent., we would divide the $222.0000 by 30 (because 360 divided by 12 gives 30); if 4 per cent., we would divide by 90; if 8 per cent., by 45; and in like manner for any other per cent.

Solution.
$462.50

.48

370000 185000

60/ $222.0000($3.70

180

420 420