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JULIAN'S
INTEREST BOOK
Accurate Calculation
SIMPLE AND COMPOUND INTEREST,
5, 6, 7, 8, 9 AND 10 PER CENT.,
Valuable Discount and Time Tables.
By ERAN JULIAN,ST. LOUIS.
CHICAGO.
S. A. MAXWELL & CO.
1888.
Entered, according to Act of Congress, in the year 1859, by
ERAN JULIAN,
In the Clerk's Office of the District Court of the United States for
the Southern District of Ohio.
EXPLANATIONS OF INTEREST TABLES.
The principal or amount on which you want to
count interest, will be found on the top of each page,
with the word Dollars attached to it.
The figures 5, 6, 7, 8, 9 and 10 at the head of col-
umns, are the different rates per cent.
The time for which you want to count interest will
be found in the first column of each page, headedTime.
Above the double line, near the bottom of each
page, is Simple interest; below the double line is
Compound Interest.
To find the interest on 100 dollars, at ten per cent.,
for 2 years, 6 months and 18 days, turn to 100 dol-
lars page, run down to 18 days, and across to 10 per
cent, column, where you will find 50 cents, which is
the interest for 18 days;go on down to 6 months,
and across to 10 per cent, column, as before, and youwill find the interest for 6 months is five dollars
;go
on down to 2 years, and across to 10 per cent, col-
umn, and you will find that the interest for 2 years is
20 dollars, making in all 25 dollars and 50 cents.
EXAMPLE FIRST.
Interest on 100 dollars for 2 years, 6 months and 18
days
:
Interest for 18 days 50" " 6 mos. 5.00" " 2 yrs. 20.00
$25.50, Interest on $100 for 2 yrs.
6 mos. and 18 days.
To find the interest on 150 dollars for 2 years 6
mos. 18 days, get the interest on 100 dollars as in first
example, then turn to page 50 dollars, and calculate
same as in first example, and add together.
EXAMPLE SECOND.
Interest on 150 dollars for 2 years 6 months and 18
days
:
Int. on$100.
Int. on
f For 18 days
To find the interest on $150.50 for 2 years 6 months
18 days, get the interest on $150, same as example
second, then turn to page 50 dollars, and run downto 18 days, and across to 10 per cent, column, and
you find 25 cents, which is ~ part of a cent interest,
and of which you will keep no account ; then run
down to 6 months as before, and across to 10 per
cent, column, you will find $2.50, which in cents will
be 2^ cents, which you will put down 3 cents, having
a fraction to carry from 18 days;go on down to 2
years, opposite which you will find $10, which in
cents will be 10 cents; put said amount under three
cents, which will make 13 cents, the interest on 50
cents for that time.
It is but 12^ cents, but as we don't count frac-
tions, we will call it 13 cents.
EXAMPLE THIRD.
Interest on $150 for 2 yrs. 6 mos. 18 days, . 38.25" 50 cents for 6 mos., .... 03" 50 cents for 2 years, .... 10
Interest on $150^ for 2 yrs. 6 mos. 18 days, $38.38
The interest on dollars is shown in dollars and
cents, and on cents in cents and in hundredths of a
cent.
All other per cents are calculated same as 10 per
cent.
Compound Interest is computed same as Simple
Interest.
MATURITY TABLE FOR DISCOUNT CLERK.
Including Three Days' Grace.
January, 30 days, date, add 2 Feb'y..60
" 90February 30
" 60" 90
March, 30" 60" 90
April, 30" 60" 90
May, ...30" 60" 90
June, 30" 60" 90
July, 30" 60" 90
August, ....30" 60" 90
September, ...30" 60" 90
October, 30" 60" 90
November, 30" 60" 90
December, 30" 60" 90
LEAP TEAR.December, 30
" 60" 90
January, 30" 60" 90
February, 30" 60" 90
4 Marcli.3 April.5 March.4 April.4 May.2 April.2 May.1.... June.3 May.2 June.2 July.2 June.2 July.1 Aug.3 July.2 Aug.1 Sept.2 Aug.1 Sept.1 Oct.2 Sept.2 Oct.1 Nov.3 Oct.2 Nov.2 Dec.2 Nov.2 Dec.1 Jan'y.
2 Dec.3 Jan'y.
1 Feb'y.2 Jan'y.1 Feb'y.3 March.
2 Jan'y.1 Feb'y.2 March.2 Feb'y.3 March.2 April.
4 March.3 April.
3 May.
A Table Giving the Date a Note or Bill Matures whenGiven for a Stated Time,
The intention of this table is to show correctly
the month and day of the month that promissorynotes, bills, etc., mature, when drawn for any certain
length of time, with or without the three days of
grace.
Should you give a note for 100 days on the 25th
day of August, and wish to know when it becomesdue, turn to Time Table, run across top of table fromleft corner until you get to August, run down Augustcolumn first line of figures until you get to 25th
day ; opposite 25th day, in same column, you will find
237, which amount put down, and add to it the 100days, which will make 337 ; then look for the 337th
number of the table, opposite which you will find
the 3d day of December, the day your note or bill
becomes due.
You can add 3 days grace to the 100 days if youwish
; it will then come due on the 6th December.
This table is designed for ordinary years ; there-
fore when you pass over February in leap year, yournote falls due one day sooner.
Should your note fall due on Sunday, it must bepresented and paid the day previous.
EXPLANATIONS OF TIME TABLE.
Should you want to find the number of days fromOctober 20th to June 12th, turn to Time Table, andrun your finger across the top until you come to
October ; run down the days of the month, which is
the left hand row of figures, in October column until
you get to 20; opposite 20, in same column, you will
find 293, which number put down ; then run across
top to the right as before until you get to June ; rundown June column until you get to 12, opposite
which you will find 528. Said number place abovethe figures 293, and subtract 293 from 528, whichleaves 235 days.
Should you want to reduce that to months, divide
by 30, which will make 7 months 25 days.
EXAMPLE.
528293
30)235
7 mos. 25 days.
In counting interest on a note that is given a cer-
tain number of days from date, the actual number of
days must be taken without regard to the month
;
but in counting interest by months, the number of
months must be used.
In passing over February in leap year, add 1 day.
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