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The Tabular Method of Computing Interest Perfected.

LAW'S SIMPLIFIED INTEREST TABLES.

AND

TABLES FOR THE EQUATION OF PAYMENTS.

The CHEAPEST BOOK of the KIND YET PUBLISHED.

Embracing Tables at 6, 7 and 10 per cent., the two first being computed both at 360 and 365 days to the year, the last at 360 days only. Also a Table at 36 per cent. for the Equation of Payments, and a few simple rules for facilitating calculations of Interest, Discount, etc.

The author has aimed, in constructing these tables, to reduce the time necessary to find the number of days for which interest is required, a much needed improvement over other works of the kind now in use, believing that such copious tables are unnecessary, and to a great extent mere repetitions, tending to weary the eyes and patience of the accountant, and to make the use of Interest Tables more of an annoyance than a help. To facilitate this end he has indexed the book upon the margin is such a manner that it can be opened at once at the page wanted. The convenience of this will be quickly seen by the practical accountant, as he is enabled to add the interest to a majority of accounts without turning a single leaf. In the 36 per cent. table for the Equation of Payments, it will be found particularly convenient, as few bills or payments for which an average date is required will exceed a range of four months, and that will be found upon one open page. 218

213

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0367.64,38 0369.36,99 0371.09,59 0372.82,19 0374.54,79 037 6.2 7,40

The tables, as printed, read for thousands, with the interest below in lighter type.

For hundreds, tens, and units, remove the point, as required, one, two, or three places to the left in both principal and nterest uniformly. The interest will always be in dollars to the left and in cents and mills to the right of the decimal point. Interest on $5000, for 213 days, $204.24.6.

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One entire month will extend across an open page.
Each page will contain the computations for 4 nths.

By examining the example of the form of the Tables given above, the improvements claimed by the author and enumerated below, will be apparent.

That Interest on any amount from $1 to $900,000 can be found at once, by means of the index, within a space embracing less than two square inches.

That the Interest is always directly under the Principal, consequently the time usually consumed in finding first the Principal in one column, and then the Interest in another, is much shortened, and the liability to copy a wrong amount much lessened.

That the computations of Interest for a large number of Accounts Current can be obtained from one open page alone, as each open page embraces a difference in time of one hundred and twenty days, bringing the whole year within three open pages. That the number of original computations necessary for each Table is very largely reduced (only nine being required for each day in the year). By this improvement labor and material are economized to such an extent that the same matter that is contained in the most expensive works is presented in a manner that makes it available with the utmost rapidity at a very slight cost.

That the book being much wider than the ordinary form of Interest Tables (size 12x12 inches) is much more convenient for the office, as it will remain open at the page in use, whether laid upon the desk or propped up in front of the accountant; in the latter position he can use it without being compelled to turn to the right or left.

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