The Montgomery advertiser., 1907-01-13

make living is unjust and imapoiitic. q am a boarding house keeper Certain parties have left without pay ing their boArd bill. Is there any way 1 can collect the rionesg'-A Poor Woman.
 If you kept hotel you could have lien upon the baggage of a guest for his bill, but boarding house keep- CTS have~no such lien and are obliged to resort to the ordinary method of collecting, namely, bringing suit and obtaining judgment against the board CT. Of course, if the boarder works on a salary of wages, you can saf nishee the same for the amount of the bill,
 If I am a stranger in a town and my funds give out, how can draw on my home bsnk."A-A Woman Traveller
 Go to bank with a friend to iden- tify you. Write out d check payable to the bank or yourself and ask them to cash it, explaining that you have funds in bank in your home town, and giving the name Of the bank. If they ask your friends endorse ment, and you do not wish to be un { der such obligations. request the bank to wire your bank to ascertain if the check is good This they will do at your expense, and ill pay the check on receipt of a favorable an- swer from your bank efielals. In case you de not knowI anyone to identify you, q bank will sometimes permit one to identify herself by letters, re- ceipts, etc. For this reason it is we'll in travelling to carry receipts of any society or lodge to which one may belong.
 
 
 person as a depositor "A Timid En- qulrer.
 Generally speaking, banks will take as a depositor any person who ap- plies. But there are banks that re- qtllre a deposit of certain sum in order to open an account. The offi- cials of these banks claim that they do so because they handle the funds of wealthy men and 1t does not pay them to spend the time on small ac- counts. Other banks claim that they they pay the officials out of the earn ings and the amount made on small deposits is very little. In d'rect con- tradiction to this, the savings bank will take any sum, no mltter how small.
 'T have been asked to take a post dated check. What is this form of check?"-A Widow.
 Sometimes men give checks dated ahead, requesting the party to whom they give the check to hold 1t until the day 1t is dated. AS :dle this is because at the time the check Is given the maker has not suficiet funds in the bank and expects to de- posit them before the date of the check. Banks do not like this meth cd. and usually are quick in detecting the person who makes practice of this. Of course, such a check cah- not be certified, as there are no funds in the bank to meet 1t until the day on which the check is dated
 q have a poor note which I fear will have to be protested. Who pays the protest fees in such case?'-A Perpiexed Milliner.
 In case a note Is protested, the pro- ktest fees are advanced by the person who desires the note protested or the holder of the note. If yod ask the bank to protest they will charge 1t to your account. Banks usually have d notary in connection with their insti- tuition who does the protesting. When the note is paid these protest fees are added to the amount of the note, ard must be paid by the maker. In the end you will get back your whole note and expenses.