574 IvBGAL DEPARTMBNT. 



that the money has been received by the person to whose order the 

 check was drawn. 



It is always best to deposit put your money in the bank and check 

 against it. This will show the amount of money handled during the 

 year, and often times be a check upon expenditures. 



Never make a check payable to bearer, for in that case it is not neces- 

 sary for the party receiving it to put his name on the back, and if lost, 

 it can be collected by any one into whose hands it falls. 



A check is a very handy way of sending money in letters. If made 

 payable to the order of the person to whom the money is sent, it can not 

 be collected by any one else, even though stolen from the letter. 



If dealing with a firm, with which you have no acquaintance, it is 

 often well to have the cashier of the bank certify the check, before it is 

 sent. This is done by the cashier writing across the face the word ' 'cer- 

 tified" and signing his name as "cashier" of the bank. 



How to Kndorse Checks. Endorsing checks is done by writing 

 your name on the back. This is properly done by signing the name 

 across the top about one and one-half inches from the end. This is the 

 left end as the check lays with its face toward you. 



Promissory Note. Occasionally it is necessary or convenient to 

 ask for time for the payment of a bill, and there is given a Promissory 

 Note, (promise to pay at some specified time). It is generally written 

 in the following form : 



$ioo. Albany, N. Y., Feb. 12, 1896. 



Three months after date I promise to pay to Peter J. Murphy, or 

 order One Hundred Dollars, at the Albany Commercial Bank, for value 

 received. 



THOMAS A. BURNS. 



NATURALIZATION PAPERS. 



Declaration of Intention. An alien must make a declaration 

 under oath, of intention of becoming a citizen of the United States, be- 

 fore a circuit or district court of the United States, or a court of record 

 of any of the States. 



This Declaration of Intention may be taken at any time, even as soon 

 as landed, but the time of residence in the country before becoming a 

 citizen must be five years. Before taking the oath of allegiance which 



