The Montgomery advertiser., 1907-02-17

BY KATHERINE LOUISE SMITH. Copyright, 1907, by Joseph B. Bowles-)
 Often 1t is wise for a woman to in- vest in an annuity. Advanced age, lim- ited means. incapacity for business may demand that a woman secure for herself for the few remaining years of her life more than the ordinary in- come of per cent on her principal. Take the case of a woman of 75 years of age, whose entire principal is only $2,000. It is evident she cannot live on the interest of this money even if she exercises strict economy. If she knew absolutely how much longer she had to live she could compute how long her money would last, but she does not. The consequence Is she looks for ward with dread to the time when her principal will be exhausted. For such a case, life annuity furnishes an ade- quate relief. for the woman gets a much larger sum per year than If her money was out at ordinary interest. True. the company obtains absolutely the principal at her death, but 1t is for this very reason they can afford to pay larger percentage than can be obtained in any other way.
 Life annuity rates differ from three to so years, the rates for persons over 80 being the same as for that age. As an example, 9 woman 75 years of age naVlnB S5,UOU can invest Tn dn annuity that will bring her for life an income of $435.15 per annum, whereas, ordfhar- fly the same principal would bring only about $150. Her heirs are thus de- prived of any of her estate, but she is provided for the remainder of her life. It will be readily understood that no company guarantees to pay an annuity with the expectancy of losing in the end. Hence the younger the applicant he I1av- he RA- Atad AO are the applicant will live longer. An annuity of $1,o00 purchased at the age of years brings s4S.SS yearly. where as the same amount invested in an annuity at the age of 30 brings in $1S3.95 year.
 If make out a check hurriedly and in my haste make the figures and writ ten amount different. which holds (good? I try to be careful, but am fear ':ful may sometime make this mis- take."-A Public School Teacher.
 The amount called for is the amount written out. The blunder is almost inexcusable. but happens on occasion. As an instance of the care which should be taken in comparing the writ ten amount with the figures after the dollar sign, the writer knows of a check where the word nine was written corrected, but after the dollar sign the figures 300 were affixed with no period before the ciphers or without the usual way of writing, namely So o0-1o0. The consequence was that the teller read the check hurriedly and paid out $900. This check was deposited in a city where the maker was stopping and came through the clearing house. Though in this instance the mistake was rectified, under some circum- stances it might be difficult or impos- sible to do so, or to recover the money. If I buy furniture on the install ment plan. to be paid for in five install ments and if after paying three times ind it impossible to continue the pay ments, will I lose my furniture?'-A Boarding House Keeper.
 Yes, if you have signed a paper or | lease to that effect It seems heart | less proceeding to sell with an agree ment that the articles can be taken away upon failure to pay all the in stallments and that the storekeeper can keep the money which has been al ready paid. yet such Is the case and many people lost furniture, sewing ! machines, etc, by signing such con- l tracts. Better read the paper and un l derstand it thoroughly before entering 1 into such a bargain. There Is one way in which you can make an effort tt | save your furniture ana that IS to LIA to get some one to lend you enougl money to pay up the balance on you furniture, taking in exchange chat tel mortgage. You will still owe, bu 1t will put of the day of payment O the debt and save your furniture fo the present Both positions are evils but of the two perhaps this is tn easier.
 T rented a vault in a safe deposi company. After a time 1t was impos sible for me on account of sickness t send money or communicate wit them. I find that my papers and val uables were taken out of the vault Has the company a right to do this? A Chronic Invalid
 Yes, in case the rent of the vaul
 shall remain unpaid for three year
 the vault can be opened in the pres ence of the officers of the company an lawyer. and the contents placed 1
 the general vaults. This is only fail
 as by so doing the space can be re
 rented. Of course, all deposit com
 panies are forbidden to touch or loa
 money on property which has been lei
 in their keeping, under heavy penal
 ties Their building must also met
 certain regulations in regard to hr
 and burglary
 U'Tf s rr1p,aD dIas 1uffhout leaving