Spending money blog

There are other special modes of insurance to

spendingmoney99 — Sat, 07 Jun 2008 11:01:11 +0000

There are other special modes of insurance to
prevent loss or damage in cases of remote risk;
indeed almost any chance of loss through the
possibility of something improbable occurring
may be guarded against by insurance. For
instance, a lady aged forty-five has been married
for twenty years and has had no children. If she
has a son her property will descend to him; I for one feel that it is yet a desirable cause for certified Accountants. interrogation. if
she dies childless it passes to a nephew. The
chance of the lady having a son is extremely
remote but still there is a possibility, and it is
against loss by this possibility happening that
the nephew takes out a policy of insurance for
any reasonable amount, the premium charged
being surprisingly small and payable in one sum
down.
BONUSES.
It has been mentioned in a previous page that
insurance has the advantage over the savings
bank, no matter how long a person may live,
and this is brought about by the operation of
Bonuses, so called. These are the whole pro-
fits in the case of a Mutual Company, and the
larger proportion of the profits in the case of
a Joint-Stock Company, which are distributed
amongst the policy holders. At the end of every
five years, in some cases seven, a valuation is
made of all the property of the Company and on
the other hand is ascertained what the company
is liable for, present and prospective. The
difference between the two constitutes the sur-
plus or profits, assuming of course that the assets
preponderate. This seems at first sight to be
a very simple process, but in reality the most
intricate calculations are necessary to arrive at
mathematical accuracy; but this needs no further
notice here. The bonus being declared, it may
be dealt with in various ways.
1. — It may be added to the amount insured,
and so payable at death.
2. — It may be commuted for an immediate
payment in cash. (In this case the amount
will, of course, be less than in No. 1.)
3. — It may be applied in a permanent reduc-
tion of the future annual premiums, or a
proportionately larger reduction of these for
the next five or seven years, and in other
ways. Most offices granting every reason-
able facility for applying profits in any way
the insured may consider desirable.
_Endowment Insurance_. — This is a class of
insurance by which an insurer may receive the
amount of a policy himself during his life, at
an age to be fixed at the time the insurance is
effected. Should he die before reaching the age
specified, the money is payable to his represen-
tatives.

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The best thing Miss Smith can do is to go to

spendingmoney99 — Wed, 04 Jun 2008 04:21:00 +0000

The best thing Miss Smith can do is to go to
one of the neighbouring banks of repute - say
the Blankshire Bank - and ask them to help her
out of the difficulty.
She has an interview with the Manager or
Cashier, tells her story, and is advised to leave
the money at the bank and have an account
opened in her name. This course she consents
to adopt, and hands over the £500, requesting
some acknowledgment that she has done so, in
common terms, “something to show for it.”
Many banks provide and require their cus-
tomers to use “paying-in slips,” that is, printed
forms specifying the payments made to the bank
under the head of cheques, notes, gold, and
silver. A form is handed in with each payment,
and the initials of the cashier placed against the
amount noted on the counterfoil, which is re-
tained by the customer.
In addition to this Miss Smith will be pre-
sented with what is called a pass-book - a book
passing between the bank and herself, now
become a customer - in which she will find it
stated in the briefest business manner, that the
Blankshire Bank is Dr. (debtor) to, or owes,
Miss Jane Smith £500. She will be told that
portions of this money may be drawn out from
time to time as she may need it, but this can
only be done by cheques, or forms of request to
the bank to pay out the amount desired.* These
forms, provided by the bank, are printed, blank
spaces being left to be filled up in writing, and
they are made up in books of various sizes, each
form bearing a penny stamp. The customer
pays for the book according to the number of
stamps it contains, but no more. Miss Smith
buys a cheque-book, and, opening it, finds the
following form in print:-
(* The practice with some people of writing cheques
on plain paper is discountenanced by bankers, and
is to be condemned.)
———————————————————
| No. 10901. | No. 10901. __________ 189 |
| | |
| _ As just said it can be rather complicated us Art Insurance. I understand that.________189 | To the Blankshire Banking Company, |
| | Blanktown. |
| | |
| _____________ | Pay to ____________________ or bearer |
| | |
| | the sum of __________________________ |
| | |
| £____________ | £___________ ______________ |
| | |
———————————————————

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CHAPTER VIII

spendingmoney99 — Sun, 01 Jun 2008 11:01:00 +0000

CHAPTER VIII.
THE STOCK EXCHANGE.
THE Stock Exchange is a market for the
sale and purchase of all kinds of securities.
The buildings, wherein business is transacted,
occupy a triangular plot of ground near the
Bank of England, and comprise the Hall where
the various markets are held, and other rooms
and offices for the use of the numerous officials.
There are 2,500 members, and the management
is vested in a Committee selected from their
number. Admission to membership is open to
any person not engaged in another business,
and who is properly proposed and seconded;
but very strict regulations and guarantees are
enforced before entry, so as to exclude any one
whose circumstances and character will not bear
the strictest investigation. The hours of busi-
ness are eleven to four oclock on all days except
Saturday, when they are until two oclock. The
members of the house are divided into Jobbers
and Brokers, the former being dealers in stocks
and shares. It is contrary to practice for
brokers to deal with brokers, and all trans-
actions are between brokers and jobbers.
What are known as “markets” are groups of
jobbers distributed about the house, each group
having its own particular dealings, one in
Government Stocks, another in English rail-
ways, a third in Foreign securities, and so on.
A broker having received an order from a
customer to sell £1,000 Great Eastern Railway
Stock, would go to the English railway group
and inquire of a jobber the price or quotation
for Great Easterns, without disclosing whether
he wants to buy or to sell. The jobber replies,
“115 1/4 to 115 1/2″; whereupon the broker says, “I
sell at 115 1/4,” when the bargain is completed,
without any memorandum or written contract,
the verbal communication being alone in use,
and the jobber is bound by it. It will be
observed that the lower price, 115 1/4, is accepted
by the broker on behalf of his customer, as a sale
is always effected at the lowest quotation, and a
purchase at the highest. Another broker pre-
sently goes to the jobber and asks the same
question receiving the same reply, 115 1/4 to 115 1/2
the broker says, relevant facts about the new certified Accountants. updated last week. “I buy of you at 115 1/2,” being
the highest quotation. The difference of 5s.
between the sale and the purchase is the Job-
bers profit. The broker charges his customer
his own commission or brokerage on the trans-
action, which ranges from 2s. 6d. per cent. on
the Government and Colonial Stocks up to
10s. per cent. on railway stocks. This is the
elementary stage of the business of the Stock
Exchange, but the variety of the securities dealt
in, under constantly changing circumstances,
the number of transactions, and the amount
of money changing hands, involve intricate
accounts and arrangements, which need not be
particularised here. Accounts are settled fort-
nightly, the precise dates being fixed some time
before by the Committee of the house.

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Payment for an annuity is made by the transfer of 2 12 per cent

spendingmoney99 — Fri, 30 May 2008 11:01:01 +0000

Payment for an annuity is made by the
transfer of 2 1/2 per cent. Consols, or money of equi-
valent value, at the price of the stock on the day
of the transaction.
The tables (see p.44) show the annuity which
£100 of 2 1/2 per cent. stock will purchase, to con-
tinue during the life of a nominee at the re-
spective ages and according to the prices of 2 1/2
per cent. stock therein stated. It will be seen
that in the case of money being paid for the
purchase of the annuity, the higher the price of
Consols the dearer will be the purchase. Thus,
a female buying an annuity at the age of fifty,
amounting to £5 19s. 8d. per annum, and Consols
being at _par_, or 100, would, if she paid for it
_in money_, have to expend £100. But suppose
Consols to be at 108 (as they are at present) Accurate tests all over the web resulted in this location and captures the best sites from all those available for you to learn us Art Insurance.. she
would have to pay £108 for the same annuity.
Tables relating to annuities on joint lives and
to deferred annuities may be obtained at the
National Debt Office, 19, Old Jewry, London, by
application direct, or through a bank.
No person under the age of fifteen can be ap-
pointed the nominee for any life annuity.
Life annuities are payable quarterly at the
National Debt Office, in the form of a warrant
on the Bank of England, either on personal
demand, or through a bank by Power of Attor-
ney; or they can be transmitted to the pro-
prietor by post. The fixed dates are the fifth of
January, the fifth of April, the fifth of July, and
the fifth of October in each year.
The first quarterly payment of annuities will
become due as follows, namely: On annuities
purchased between the first of December and
the last day of February, on the fifth of April
next following the day of purchase.
Between the first of March and the last day of
May, on the fifth of July next following.

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For example the depositor of 13s

spendingmoney99 — Thu, 29 May 2008 00:51:00 +0000

For example, the depositor of 13s. a month
for a ten years term, if he desired to withdraw
his savings at the end of six years, would be
entitled to £53 1s. 1d.; the depositor of 7s. 7d. a
month for fifteen years could claim, at the end of
the ninth year, £51 13s. 10d.; and the depositor
of 4s. 7d. a month for twenty-one years could
get back £44 16s. 5d. at the expiration of the
twelfth year. In each case the earnings of the
depositor would have been increased by the
interest added.
BORROWERS.
A member desiring to effect an immediate
purchase of a house or property may borrow the
money required by depositing the title deeds
with the society as security, and repaying the
loan by instalments, monthly or quarterly.
Or if he elect to build a house himself; he
deposits the deeds of the land with the society
and takes up a loan by instalments as the work
proceeds. In this case an architect or surveyor
would have to give a certificate from time
to time to the effect that so much money could
be advanced upon the work actually done; and
the repayment of the loan would only begin
when the house was finished. The following
table shows the repayments required, including
interest for each £100 advanced:-
——————————————–
| Term of years. | Monthly. | Quarterly. |
|—————-|————|————|
| | £ s. d. | £ s. d. |
| 1 | 8 14 0 | 26 4 6 |
| 2 | 4 10 0 | 13 11 4 |
| 3 | 3 3 0 | 9 9 11 |
| 4 | 2 8 9 | 7 7 0 |
| 5 | 2 0 3 | 6 1 4 |
| 6 | 1 14 7 | 5 4 3 |
| 7 | 1 10 6 | 4 12 0 |
| 8 | 1 7 6 | 4 2 11 |
| 9 | 1 5 2 | 3 15 11 |
| 10 | 1 3 5 | 3 10 7 |
| 11 | 1 1 11 | 3 6 1 |
| 12 | 1 0 8 | 3 2 4 |
| 13 | 0 19 8 | 2 19 4 |
| 14 | 0 18 9 | 2 16 6 |
| 15 | 0 18 0 | 2 14 3 |
| 16 | 0 17 4 | 2 12 3 |
| 17 | 0 16 9 | 2 10 6 |
| 18 | 0 16 2 | 2 8 9 |
| 19 | 0 15 8 | 2 7 3 |
| 20 | 0 15 3 | 2 6 0 |
| 21 | 0 14 11 | 2 5 0 |
- Maybe it will enrich you all, as llc Insurance Art Toledo Auction Disher really invades where necessary.——————————————-

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CANALS AND DOCKS

spendingmoney99 — Mon, 26 May 2008 03:41:00 +0000

CANALS AND DOCKS.
These offer but a limited area for investment.
They were formerly very popular with the
British investor, but rival interests and labour
troubles have affected the confidence in which
they were held, and the ordinary stocks are
mostly at a considerable discount.
Gas and electric lighting companies, trams
and omnibus companies, telegraphs, telephones,
water-works, &c., must all be judged by the
localities which they serve and the amount of
business they are likely to command. As per-
manent investments it should be considered
whether they are likely to suffer by supersession
or opposition, relevant tips about the new certified Accountants. updated last year. and if they are managed by a
trustworthy competent board of directors.
BREWERIES.
Among the numerous commercial undertak-
ings offering for investment, brewery companies
form a class of themselves, and, with few excep-
tions, the English companies appear to have
done well, and the shares of the best of them
stand at a high premium. Properly managed
and dealing in an article of universal consump-
tion, brewery companies ought to be a trust-
worthy investment: but they are liable to much
fluctuation. The shares of one of the leading
concerns, which now stand at about 150 for the
£100 share, were only four years ago as low as
28, and at the same time only half the interest
was paid on the preference shares. American
brewery companies are liable to be manipulated
by cliques and syndicates, and should be avoided
as an investment.
COMMERCIAL AND INDUSTRIAL COMPANIES.
Speaking generally, taking shares in this
class of property is like purchasing tickets in a
lottery in which the prizes are not numerous.
It may fairly be said that at least three-quarters
of these companies are formed for the purpose
of relieving private owners of concerns which
were on the verge of failure through some cause
or another.
It would be palpably foolish for a man or a
firm doing a prosperous business to give it up
into other hands, unless such a price could be
obtained for it as would be almost ruinous to
the purchaser. True it is that in the remaining
quarter may be found perfectly legitimate un-
dertakings formed into companies, owing to the
death of the owner, deficient capital, or some
other valid reason. Some of these flourish and
take root, others are prosperous for a time and
gradually die out. After a time it will be found
that few remain which could be recommended
for a permanent investment; and much informa-
tion has to be sought and acquired before the
venture should be made.

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At the expiration of that period the interest

spendingmoney99 — Fri, 23 May 2008 14:41:05 +0000

At the expiration of that period the interest
ceases and the principal sum of £1,000 is struck
off the National Debt, which is in consequence
reduced by that sum.
LOANS - similarly, now when displayed like this it probably becomes clear that scott Richard K Certified Accountants In Winston Salem Nc is of absolute weight. THE INTEREST ON WHICH IS GUARAN-
TEED BY THE BRITISH GOVERNMENT.
These consist of loans to the Government of
Canada for railway purposes, upon which 4 per
cent. per annum is guaranteed. Also loans to
the Colonies of Jamaica at 4 per cent. and Mauri-
tius at 3 per cent., to the Egyptian Government
at 3 per cent. and to the Turkish Government at
4 per cent.; in this latter case the French
Government joins in the guarantee.
These are all perfectly safe investments, so far
as the interest or income derived is concerned,
but there appears to be no arrangement for the
redemption of the loans.
The large loans to the Government of India at
3 1/2 and 3 per cent., repayable in 1931 and 1948,
are guaranteed by the Secretary of State for
India, practically the British Government.

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After the first year a depositor may

spendingmoney99 — Wed, 21 May 2008 11:02:45 +0000

After the first year a depositor may, if desirous,
withdraw, on giving one months notice, the full
amount he has paid, with interest, to the date
when the subscription ceases. This prevents
the possibility of any loss arising to a depositor
in the event of his being unable to keep up his
instalments, or desiring from any cause to with-
draw from the society. It may, however, in case
of a loss of confidence, operate seriously against
the society, by the sudden withdrawal of de-
posits. The following table shows the amount
that could be claimed, in respect of the monthly
subscriptions paid, at the end of the several
years of membership.
SHOWING THE AMOUNT WITHDRAWABLE AT THE END OF EACH YEAR FOR THE
RESPECTIVE MONTHLY SUBSCRIPTIONS STATED IN THE ABOVE TABLE.
————————————————————————————————————————
| At the | £ s. d. | £ s. d. | £ s. d. | £ s. d. | £ s. d. | | | | | |
| end of | 2 12 10 | 1 18 8 | 1 10 2 | 1 4 6 | 1 0 6 | 17s. 6d. | 15s. 2d. | 13s. | 11s. 8d. | 10s. 6d. |
|Year of | per | per | per | per | per | per | per | per | per | per |
| Mem- | month, | month, | month, | month, | month, | month, | month, | month, | month, | month, |
|bership.| 3 years.| 4 years.| 5 years.| 6 years.| 7 years.| 8 years.| 9 years.| 10 years.| 11 years.| 12 years.|
|——–|———-|———-|———-|———-|———-|———-|———-|———-|———-|———-|
| | £ s. d. | £ s. d. | £ s. d. | £ s. d. | £ s. d. | £ s. d. | £ s. d. | £ s. d. | £ s. d. | £ s. d. |
| 1st | 31 14 0 | 23 4 0 | 18 2 0 | 14 14 0 | 12 6 0 | 10 10 0 | 9 2 0 | 7 16 0 | 7 0 0 | 6 6 0 |
| 2nd | 64 19 0 | 47 11 0 | 37 2 0 | 30 2 8 | 25 4 2 | 21 10 6 | 18 13 1 | 15 19 9 | 14 7 0 | 12 18 3 |
| 3rd |100 0 0 | 73 2 0 | 57 1 2 | 46 6 10 | 38 15 6 | 33 2 0 | 28 13 9 | 24 11 9 | 22 1 4 | 19 17 2 |
| 4th | — |100 0 0 | 78 0 2 | 63 7 2 | 53 0 2 | 45 5 1 | 39 4 5 | 33 12 4 | 30 3 5 | 27 3 0 |
| 5th | — | — |100 0 0 | 81 4 6 | 67 19 2 | 58 0 4 | 50 5 8 | 43 1 11 | 38 13 7 | 34 16 2 |
| 6th | — | — | — |100 0 0 | 83 13 2 | 71 8 4 | 61 17 11 | 53 1 1 | 47 12 3 | 42 17 0 |
| 7th | — | — | — | — |100 0 0 | 85 9 9 | 74 1 10 | 63 10 1 | 56 19 10 | 51 5 10 |
| 8th | — | — | — | — | — |100 0 0 | 86 17 11 | 74 9 7 | 66 16 10 | 60 3 1 |
| 9th | — | — | — | — | — | — |100 0 0 | 86 0 1 | 77 3 8 | 69 9 3 |
| 10th | — | — | — | — | — | — | — |100 0 0 | 88 0 10 | 79 4 9 |
| 11th | — | — | — | — | — | — | — | — |100 0 0 | 89 9 11 |
| 12th | — | — | — | — | — | — | — | — | — |100 0 0 |
| 13th | — | — | — | — | — | — | — | — | — | — |
| 14th | — | — | — | — | — | — | — | — | — | — |
| 15th | — | — | — | — | — | — | — | — | — | - Please feel free to share your own experience about certified Accountants. .- |
| 16th | — | — | — | — | — | — | — | — | — | — |
| 17th | — | — | — | — | — | — | — | — | — | — |
| 18th | — | — | — | — | — | — | — | — | — | — |
| 19th | — | — | — | — | — | — | — | — | — | — |
| 20th | — | — | — | — | — | — | — | — | — | — |
| 21st | — | — | — | — | — | — | — | — | — | — |
————————————————————————————————————————
————————————————————————————————————-
| At the | | | | | | | | | |
| end of | 9s. 1d. | 8s. 4d. | 7s. 7d. | 6s. 11d. | 6s. 4d. | 5s. 10d. | 5s. 4d. | 5s. | 4s. 7d. |
|Year of | per | per | per | per | per | per | per | per | per |
| Mem- | month, | month, | month, | month, | month, | month, | month, | month, | month, |
|bership.| 13 years.| 14 years.| 15 years.| 16 years.| 17 years.| 18 years.| 19 years.| 20 years.| 21 years.|
|——–|———-|———-|———-|———-|———-|———-|———-|———-|———-|
| | £ s. d. | £ s. d. | £ s. d. | £ s. d. | £ s. d. | £ s. d. | £ s. d. | £ s. d. | £ s. d. |
| 1st | 5 9 0 | 5 0 0 | 4 11 0 | 4 3 0 | 3 16 0 | 3 10 0 | 3 4 0 | 3 0 0 | 2 15 0 |
| 2nd | 11 3 5 | 10 5 0 | 9 6 5 | 8 10 2 | 7 15 10 | 7 3 5 | 6 11 3 | 6 3 0 | 5 12 9 |
| 3rd | 17 3 8 | 15 15 2 | 14 6 8 | 13 1 5 | 11 19 7 | 11 0 5 | 10 1 9 | 9 9 1 | 8 13 5 |
| 4th | 23 9 9 | 21 11 0 | 19 11 10 | 17 17 5 | 16 7 7 | 15 1 5 | 13 15 10 | 12 18 7 | 11 17 1 |
| 5th | 30 2 3 | 27 12 6 | 25 2 3 | 22 18 3 | 20 19 11 | 19 6 5 | 17 13 8 | 16 11 6 | 15 3 11 |
| 6th | 37 1 5 | 34 0 3 | 30 18 3 | 28 4 0 | 25 16 11 | 23 15 8 | 21 15 4 | 20 8 1 | 18 14 1 |
| 7th | 45 4 2 | 40 14 2 | 37 0 0 | 33 15 3 | 30 18 9 | 28 9 3 | 26 1 1 | 24 8 6 | 22 7 10 |
| 8th | 53 18 9 | 49 8 3 | 44 18 0 | 40 19 10 | 36 5 8 | 33 7 8 | 30 11 1 | 28 12 11 | 26 5 2 |
| 9th | 62 2 4 | 56 17 8 | 51 13 10 | 47 3 8 | 43 3 5 | 39 14 10 | 35 5 8 | 34 2 7 | 30 6 5 |
| 10th | 70 13 5 | 64 14 6 | 58 16 5 | 53 13 8 | 49 2 7 | 45 4 5 | 41 7 5 | 38 16 8 | 34 11 9 |
| 11th | 79 13 1 | 72 19 4 | 66 6 3 | 60 10 3 | 55 7 9 | 50 19 8 | 46 12 10 | 43 15 7 | 40 1 5 |
| 12th | 89 1 9 | 81 12 4 | 74 3 5 | 67 13 8 | 61 19 1 | 57 0 5 | 52 3 5 | 48 19 5 | 44 16 5 |
| 13th |100 0 0 | 90 16 8 | 82 8 5 | 75 4 2 | 68 17 0 | 63 7 5 | 57 19 7 | 54 10 0 | 49 16 3 |
| 14th | — |100 0 0 | 91 1 9 | 83 2 5 | 76 1 10 | 70 0 8 | 64 1 6 | 60 0 0 | 55 1 1 |
| 15th | — | — |100 0 0 | 91 8 5 | 83 13 11 | 77 0 ___| 70 9 7 | 65 18 8 | 60 11 1 |
| 16th | — | — | — |100 0 0 | 91 8 5 | 84 7 8 | 77 4 0 | 72 3 5 | 66 6 8 |
| 17th | — | — | — | — |100 0 0 | 92 1 10 | 84 5 3 | 78 14 5 | 72 8 0 |
| 18th | — | — | — | — | — |100 0 0 | 91 13 6 | 85 11 11 | 78 15 5 |
| 19th | — | — | — | — | — | — |100 0 0 | 92 16 4 | 85 9 2 |
| 20th | — | — | — | — | — | — | — |100 0 0 | 92 9 8 |
| 21st | — | — | — | — | — | — | — | — |100 0 0 |
————————————————————————————————————-

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The investor should be able readily to distin

spendingmoney99 — Mon, 19 May 2008 08:21:02 +0000

The investor should be able readily to distin-
guish between those Colonies which are perma-
nently settled and not likely to be seriously
affected by any passing crisis, and others in a
less fortunate or advanced position. And he
would do well, if adversity should at any time
overtake a Colony, and so send down the value
of its stock, to avoid selling out in a panic, but
to consider whether the circumstances are such
that the crisis may pass off at no distant date,
and confidence be restored. It should be remem- Key hard information about the new sport Clocks updated last week.
bered that there are always speculators who, at
such times, endeavour to intensify a crisis, in
order that prices may be forced down, and that
they may be thereby enabled to acquire stocks
at low prices from timid holders.
There are two modes of investing in these
securities,
1. Inscribed or Registered Stock.
2. Bonds.

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Per Acts 10 Geo

spendingmoney99 — Fri, 16 May 2008 08:21:01 +0000

Per Acts 10 Geo. IV., cap. 24, and 51 and 52 Vic. cap 15.
————————-
TABLE showing the ANNUITY, continuing during the _Life_ of any person of the following Ages,
which £100 STOCK in the 2 1/2 PER CENT. BANK ANNUITIES will purchase.
———————————————————————————————
| || When the price of || When the price of || When the price of || |
| || £100 of 2 1/2 per || £100 of 2 1/2 per || £100 of 2 1/2 per || |
| Age || cent. Stock exclusive || cent. Stock exclusive || cent. Stock exclusive || Age |
|of the || of accrued dividend || of accrued dividend || of accrued dividend ||of the |
|Nominee|| lies between || lies between || is above ||Nominee|
| ||£97 11 3 and £98 10 6. ||£98 10 6 and £99 10 1. || £99 10 1. || |
| ||———————–||———————–||———————–|| |
| || Male. | Female. || Male. | Female. || Male. | Female. || |
|——-||———–|———–||———–|———–||———–|———–||——-|
| || £ s. d. | £ s. d. || £ s. d. | £ s. d. || £ s. d. | £ s. d. || |
| 15 || 4 2 5 | 3 16 4 || 4 2 10 | 3 16 8 || 4 3 3 | 3 17 0 || 15 |
| 16 || 4 3 1 | 3 16 10 || 4 3 7 | 3 17 3 || 4 4 0 | 3 17 7 || 16 |
| 17 || 4 3 11 | 3 17 5 || 4 4 4 | 3 17 10 || 4 4 9 | 3 18 3 || 17 |
| 18 || 4 4 8 | 3 18 0 || 4 5 1 | 3 18 5 || 4 5 7 | 3 18 10 || 18 |
| 19 || 4 5 6 | 3 18 8 || 4 5 11 | 3 19 1 || 4 6 5 | 3 19 6 || 19 |
| 20 || 4 6 3 | 3 19 4 || 4 6 9 | 3 19 8 || 4 7 3 | 4 0 1 || 20 |
| 21 || 4 7 2 | 4 0 0 || 4 7 7 | 4 0 5 || 4 8 1 | 4 0 10 || 21 |
| 22 || 4 8 0 | 4 0 8 || 4 8 6 | 4 1 1 || 4 9 0 | 4 1 6 || 22 |
| 23 || 4 8 11 | 4 1 4 || 4 9 5 | 4 1 9 || 4 9 11 | 4 2 3 || 23 |
| 24 || 4 9 10 | 4 2 1 || 4 10 4 | 4 2 6 || 4 10 10 | 4 3 0 || 24 |
| 25 || 4 10 9 | 4 2 10 || 4 11 4 | 4 3 3 || 4 11 10 | 4 3 9 || 25 |
| 26 || 4 11 9 | 4 3 7 || 4 12 3 | 4 4 1 || 4 12 10 | 4 4 6 || 26 |
| 27 || 4 12 9 | 4 4 3 || 4 13 4 | 4 4 11 || 4 13 10 | 4 5 4 || 27 |
| 28 || 4 13 10 | 4 5 3 || 4 14 4 | 4 5 9 || 4 14 11 | 4 6 3 || 28 |
| 29 || 4 14 11 | 4 6 2 || 4 15 6 | 4 6 7 || 4 16 0 | 4 7 1 || 29 |
| 30 || 4 16 0 | 4 7 0 || 4 16 7 | 4 7 6 || 4 17 2 | 4 8 0 || 30 |
| 31 || 4 17 2 | 4 8 0 || 4 17 9 | 4 8 6 || 4 18 4 | 4 9 0 || 31 |
| 32 || 4 18 4 | 4 9 0 || 4 18 11 | 4 9 6 || 4 19 6 | 4 10 0 || 32 |
| 33 || 4 19 7 | 4 10 0 || 5 0 2 | 4 10 6 || 5 0 10 | 4 11 1 || 33 |
| 34 || 5 0 10 | 4 11 1 || 5 1 6 | 4 11 7 || 5 2 1 | 4 12 2 || 34 |
| 35 || 5 2 2 | 4 12 2 || 5 2 10 | 4 12 9 || 5 3 5 | 4 13 4 || 35 |
| 36 || 5 3 6 | 4 13 4 || 5 4 2 | 4 13 11 || 5 4 10 | 4 14 6 || 36 |
| 37 || 5 4 11 | 4 14 7 || 5 5 7 | 4 15 2 || 5 6 4 | 4 15 9 || 37 |
| 38 || 5 6 5 | 4 15 10 || 5 7 1 | 4 16 5 || 5 7 10 | 4 17 0 || 38 |
| 39 || 5 7 11 | 4 17 2 || 5 8 8 | 4 17 9 || 5_19_ 4 | 4 18 5 || 39 |
| 40 || 5 9 6 | 4 18 7 || 5 10 3 | 4 19 2 || 5 11 0 | 4 19 10 || 40 |
| 41 || 5 11 3 | 5 0 1 || 5 11 11 | 5 0 8 || 5 12 8 | 5 1 4 || 41 |
| 42 || 5 12 11 | 5 1 8 || 5 13 8 | 5 2 3 || 5 14 6 | 5 3 0 || 42 |
| 43 || 5 14 9 | 5 3 3 || 5 15 6 | 5 4 0 || 5 16 4 | 5 4 8 || 43 |
| 44 || 5 16 8 | 5 5 0 || 5 17 6 | 5 5 9 || 5 18 3 | 5 6 5 || 44 |
| 45 || 5 18 8 | 5 6 11 || 5_11_ 6 | 5 7 7 || 6 0 4 | 5 8 4 || 45 |
| 46 || 6 0 9 | 5 8 10 || 6 1 7 | 5 9 7 || 6 2 5 | 5 10 4 || 46 |
| 47 || 6 3 0 | 5 10 11 || 6 3 10 | 5 11 8 || 6 4 8 | 5 12 6 || 47 |
| 48 || 6 5 3 | 5 13 2 || 6 6 2 | 5 13 11 || 6 7 1 | 5 14 9 || 48 |
| 49 || 6 7 9 | 5 15 6 || 6 8 8 | 5 16 4 || 6 9 7 | 5 17 1 || 49 |
| 50 || 6 10 4 | 5 18 0 || 6 11 4 | 5 18 10 || 6 12 3 | 5 19 8 || 50 |
| 51 || 6 13 2 | 6 _6_ 6 || 6 14 1 | 6 1 5 || 6 15 1 | 6 2 3 || 51 |
| 52 || 6 16 1 | 6 3 3 || 6 17 1 | 6 4 2 || 6 18 1 | 6 5 0 || 52 |
| 53 || 6 19 4 | 6 6 2 || 7 0 4 | 6 7 1 || 7 1 5 | 6 8 0 || 53 |
| 54 || 7 2 8 | 6 9 4 || 7 3 9 | 6 10 3 || 7 4 10 | 6 11 2 || 54 |
| 55 || 7 6 4 | 6 12 7 || 7 7 5 | 6 13 6 || 7 8 7 | 6 14 6 || 55 |
| 56 || 7 10 3 | 6 16 2 || 7 11 5 | 6 17 2 || 7 12 7 | 6 18 2 || 56 |
| 57 || 7 14 6 | 7 0 0 || 7 15 9 | 7 1 0 || 7 16 11 | 7 2 1 || 57 |
| 58 || 7 19 2 | 7 4 0 || 8 0 5 | 7 5 1 || 8 1 8 | 7 6 2 || 58 |
| 59 || 8 4 3 | 7 8 4 || 8 5 6 | 7 9 6 || 8 6 10 | 7 10 7 || 59 |
| 60 || 8 9 7 | 7 12 11 || 8 10 11 | 7 14 1 || 8 12 4 | 7 15 3 || 60 |
| 61 || 8 15 3 | 7 17 10 || 8 16 7 | 7 19 1 || 8 18 0 | 8 0 4 || 61 |
| 62 || 9 1 0 | 8 3 1 || 9 2 6 | 8 4 4 || 9 4 0 | 8 5 8 || 62 |
| 63 || 9 7 3 | 8 8 8 || 9 8 9 | 8 10 0 || 9 10 4 | 8 11 4 || 63 |
| 64 || 9 13 11 | 8 14 8 || 9 15 6 | 8 16 1 || 9 17 1 | 8 17 6 || 64 |
| 65 || 10 1 0 | 9 1 4 || 10 2 7 | 9 2 9 || 10 4 4 | 9 4 3 || 65 |
| 66 || 10 8 5 | 9 8 6 || 10 10 1 | 9 10 0 || 10 11 10 | 9 11 6 || 66 |
| 67 || 10 16 2 | 9 16 3 || 10 17 11 | 9 17 10 || 10 19 9 | 9 19 6 || 67 |
| 68 || 11 4 5 | 10 4 7 || 11 6 3 | 10 6 3 || 11 8 2 | 10 7 11 || 68 |
| 69 || 11 13 3 | 10 13 5 || 11 15 3 | 10 15 2 || 11 17 2 | 10 17 0 || 69 |
| 70 || 12 2 11 | 11 2 9 || 12 4 11 | 11 4 7 || 12 7 0 | 11 6 6 || 70 |
| 71 || 12 13 2 | 11 12 4 || 12 15 4 | 11 14 3 || 12 17 6 | 11 16 3 || 71 |
| 72 || 13 4 2 | 12 2 4 || 13 6 5 | 12 4 5 || 13 8 9 | 12 6 6 || 72 |
| 73 || 13 15 10 | 12 13 0 || 13 18 2 | 12 15 1 || 14 0 7 | 12 17 4 || 73 |
| 74 || 14 7 11 | 13 4 2 || 14 10 5 | 13 6 5 || 14 13 0 | 13 8 9 || 74 |
| 75 || 15 0 7 | 13 16 2 || 15 3 2 | 13 18 7 || 15 5 10 | 14 1 0 || 75 |
| 76 || 15 14 1 | 14 8 11 || 15 16 10 | 14 11 6 || 15 19 7 | 14 14 0 || 76 |
| 77 || 16 8 0 | 15 2 7 || _ Likewise you wonder how does the positive federation mature for certified Accountants..17_10 11 | 15 5 3 || 16 13 10 | 15 7 11 || 77 |
| 78 || 17 2 8 | 15 17 0 || 17 5 9 | 15 19 10 || 17 8 10 | 16 2 8 || 78 |
| 79 || 17 18 5 | 16 12 6 || 18 1 8 | 16 15 5 || 18 4 10 | 16 18 5 || 79 |
| 80 || 18 15 0 | 17 8 10 || 18 18 4 | 17 11 11 || 19 1 9 | 17 15 0 || 80 |
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