The daily dispatch. [volume] (Richmond [Va.]) 1850-1884, 1859-01-07

Richmond ana fsserspafg kSufoAa hsca&t iaot sHiss
Richmond and Danvile Railroad stock, las. ssles at
> .mes River and K.n.-h. s.rk. last seIss ~.
Sales in New York. Wednesday. u tT.opo Va 90
At esss. and sso.toa Tennessee Sc. 81. atpa
The receipss Of the New York Central compAny
Arc reported 1t $4,000 less than ftr the came
month OF last year. The decreased receipts OF the
Erie Read in that month were sis4.@e.-
wa annex comparative statement ofihe exports
axeiusiye of specie from New York toforeign ports
FOR the week ending January =, 1852:
Nv 1857 lass 1859.
ro,., ar the week. 81, ssD,2es 90 $50 500
The salisbury Mills (woolen) have declared a di-
x,dend IF Is per cent and crested 80 PER cent new
s.cI Ths ts the establishment. IL will I've rec ,llec
ted which was purchased nearly two years since at
,ar. more than million Of dollars. The above
IL the frat dividend declared.
The New York Express of the sth inst: Gays:
49, strausliug purchasers Of dry goods. fEom
the SOUTH are In ana b are ss asnees o.
80 10 large none can doubt, after exataiuing the
cnstom House tables for the close OF 1883. The
S,nr.s chow for December very satisfactory trade.
and the general expression of merchants Is that
sswer had debts and better credits never made.
In sbree weeks O marked change will be seen In
ha wsTehonses of merchants, and an activity be
shown quail to anything Ia the past
The Cincinnati Commercial Of Monday. P. NJ.
says:
Hogs are scarcely to be spoken Of now in the orr
ens state amon 70 SI the dsy sr
ket OF the butchers. As to the contract made IN
the latter rart Of November: for delivery In the
lbs deliverable lat TO 18th Janu Try. at s. rs for one
half aud S. for the other. unless the stock s alrea-
to eomnIv with the terms Lard ia about the only
article OF product commanding particular interest
on the part OF buyers.
SAVANNAH. JAM cotton-sales OF 1900 bales To-
day; quotations are unchanged.
CHARLESTON. jan -Cotton-sales of 27i0 bales to-
day, the market closing firm.
sopug JAM 4.-Cotton-sa les of $500 bales to-day
at lie The Gales of the pat three days amounted
to Is 500 bales. and the receipts during the same
time to $3.50 bales.
Northern Markets-[By TELEGR.pH.l
NV YORK. jan flour firm and unchansed.-
wheat quiet Corr firmerW Western mixed 50 cts.
Cotton firm-Upands middiing l21s Spirits Tur-
p.ntine steady at 49, Rosin quiet. Stocks firmer
BALTIMORE Jan 6.-Florr unchanged. No wheat
off red. Corn-light reoepts-yelloW 7CCg73; white
65td70
PROMPT PAYMENT OF BIILs.-Why does not every
mechanic, when be performs job, and every
storekeepe-, when he sells parcel Of goods, send
bill be delivered with the article, or upon the
finishing of the iobi lie would and this advau.
tage in il, that many bills would be paid prompt.
ly, on delivery, which. by lying over for six
months, are frequently left unpaid, because they
come at time when the demands upon the debt
or's purse make it announcement or impossible to
nav The mass of mankind earn the money they
expend by wages received from week to week
While the money is 10 hand. it Is more convenient
and easy to pay of bills as fast as they are con-
traeted This keeps the honest man ont OF dpbs,
aud leaves him ALWAYS in the position of knowing
how he stands, or of making 1t more easy for him
to meet any extraordinary expenditure which ne.
cessity may reqnre. Bat by postponing the day
of pa ymeut for three, or six months, the obtiga'
fip 70 nav ia M "a
qualification of some Immediate want or pleasure;
hence the money which should discharge bis debts
is by the improvdent or reckless, wasted away,
and, when pay day comes no is nuprepared to
meet it. We have no doubt that every mechanic
in Philadelphia has lost considerable money,
earned by bard toll, from this very fact aud store
keepers make allowances annually Of so much
loss for s'bad debts"
Now, if mechanics and dealers were invariably
to send bill upon the delivery of goods, or the
finishing OF job. il would enable those who de-
sire to pay promptly, and there are many such, to
do so at once. But the custom is to keep the pur.
chaser ignorant of the amount till he forgets the
ma ur. Of the job. the articles delivered Hence
disputes spriug up, litigation is promoted. and the
dish anest avail themselves of every excuse to
avoid the payment OF the debt Whereas prompt
payments w5uid avoid all differences of this kind,
and leave both parties 10 the position to continue
their transactions With each other without any
apprehension of loss To tbe honest purchaser
this prompt payment is AS much a matter of mo-
ness can he carried on at loss. The debts
which are left unpaid by the dishonest or
reckless customer has to be li9uidsted by the
honest debtor. Hence, in the price charged
upon goods, and service, to evory purchaser
under this long credit system, is iocluded the
cost of the bad debts " liable to be INQUIRE ed.
The individual, therefore, who honestly ins
tends paying his own debts, ia also saddled with
the debts of the dishonest creditor, who meant
MOTTO pay when he ordered the service or goods.
The long credit system in these small transactions
is certainly, then, no benefit to any one except
those who ought not to be benefited by it at the
expense OF the honest man. Aud If bills were
always sent in soon the debt was contracted,
this pernicious system would soon be broken up.
Every individual therefore, who intends to pay
his debts. should ask for his bills st once. and
every individual who wishes to be paid for bis
labor or his goods should furnish them on asking
or even sooner. The bills should always accomps
ny the goods. This would afford the receiver an
| opportunity to correct errors, would avoid dis
| putes, and remind the purchaser of the amount
| due, and would be promptly responded tom many
| cases. where payment may otherwise be never
| ID 1b,fnHeIubiD Tef}IIer