For others, we have a graduated scale drawn up by the

BEST ACTUARY

that money could procure. Thus, we can take monthly payments as low as a shilling, or goods to that value, excepting perishable articles such as eggs, fish, fruit, and army boots, but the books will naturally be a little more expensive in the long run. This, however, is unimportant and negligible, as in the majority of cases it will be one’s heirs who will have to complete the purchase. For example, let us suppose that the purchaser is about to be twenty-one—and there is no better way in which to

ATTAIN ONE’S MAJORITY

than in the company of our invaluable INSIDECOMPLETUAR—the subjoined table will show at what age his monthly payments at a shilling will cease, also at eighteenpence and two shillings. Simple division will enable the hesitating purchaser to compute the time required for higher rates of instalment.

Age next birthday.Rate of instalment
per month.
Age when payments will
cease.
211/-1120
211/6840
212/-610

But what the purchasers on the hire system cannot

TOO CLEARLY UNDERSTAND,

is that although the instalments go on, the volumes are

DELIVERED AT ONCE.