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DEED of mortgage, 542.

abstract of the laws of all the States relat-

ing to, 538.

DELAWARE, law as to rights of married
women in, 43.

days of grace allowed, and legal holidays
in, 202.

statute of limitations in, 286.

usury laws of, 309.

number of witnesses and acknowledgment
required to deeds of land executed in,
539.

abstract of laws relating to collection and

recovery of debts in, 711.

chattel mortgages regulated by statute in,
655.

DISTRICT OF COLUMBIA, abstract of laws
relating to collection and recovery of
debts in, 711.

chattel mortgages, regulated by statute in,
655.

number of witnesses to wills necessary in
785.

mechanics' liens, abstract of law of, 762.
DOMICIL, of person how determined, 315, 318.
a person can have but one, 316.

first is retained till second is acquired, 317.
may be changed, how, 316.

woman marrying acquires usband's,
318.

of the father determines that of child,
318.

number of witnesses to wills necessary in, DRAWER, to bill of exchange, 163.
785.

mechanics' liens, abstract of law of, 762.
DELIVERY, what is sufficient to constitute,

121, 122, 124.

as bearing on the validity of the trans-
action, 123.

of policy, not essential, 407.

necessary to assignment of life-policy, 435.
essential to validity of deed, 441.

of deed, may be made by whom, 442.
DEMAND OF PAYMENT, is sufficient, if made
at residence or place of business of
payee, 183.

and refusal, what constitutes, 183.
bankruptcy or insolvency no excuse for
non demand, 183.

should be made at the proper place, 185.
for payments should be made at the place
designated in the instrument, 185.
DEMURRAGE, law respecting, 338.
DESCRIPTION, of property insured, 386.
in the policy of insurance, 407.

of insured property, held to amount to
what, 410.

DESERTION, of seamen, how punished, 353.
DEVIATION, how defined, 392.

how affects insurers, 392.

DISTRICT OF COLUMBIA, law of as to rights

of married women, 43.

E.

EQUITY OF REDEMPTION, of mortgagor,

543.

EVIDENCE, of death, what must be, 433.

may disprove receipt in deed, 446.
cannot be received to contradict or change
the effect of a written contract, but may
be received to explain it, 72.
admissibility of extrinsic, to affect con-
tracts, 805.

EXCEPTION, to common law rule, in case of
negotiable paper, 176.

statutory, under statute of limitations, 282.
EXECUTOR, may indorse bill or note after
death of holder, 195.

EXECUTORS, law of, powers and duties of, 790.
EXECUTION, of authority, 214.

of fire policy, 407.

EXEMPTION, of property, from attachment or
execution, 704.

EXEMPTIONS, abstract of statutory provisions
respecting in all the States, 705.
EXPLANATION, of a written contract, by evi-
dence, law as to, 72, 73.

F.

days of grace allowed, and legal holidays FACTOR, may pledge goods for advances to

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FACTOR, distinction between foreign and do- FIRE INSURANCE, to what applied, 405.

mestic, 222, 223.

cannot claim his commissions till his

by whom effected, 405.

different kinds of companies for, 405.
method of, 409.

FARMER, legal rights and obligations of, 809. FORECLOSURE OF MORTGAGE, explained,

whole duty be performed, 222.

title by possession, 809.

title by inheritance, 810.

title by purchase, 810.

sale of land at auction, 811.

when land is sold at auction in several lots,
811.

auctioneers' liabilities for sale of, 812.
what one takes by the deed of a farm, 812.
boundaries and descriptions, 812.
contents of the farm, 813.
fixtures, 814.

things unremovable by outgoing tenant,
814.

things removable by outgoing tenant, 815.
rocks, stones, and soil, rights as to, 815.
adjoining roads, rights as to, 816.
trees, and neighbors' trees, rights as to,
816.

trespassing on the farm, what is, 817.

rights of the farmer as to the trespasser,
817.

farm-ways, 818.

water, rights to, 819.

fire, right to make and liability for, 819.
game animals, rights to, 821.

domestic animals, rights and liabilities as
to, 822.

animals, sale of with warranty, 823.
seeds, sale of with warranty, 824.
fertilizers, sale of with warranty, 825.
fruit trees, sale of with warranty, 825.
help, hiring of, 825.

help, rights and duties of, 826.

help, liability of farmer for wrong-doing,
827.

hiring of a farm, renewal of lease, 828.
hiring of a farm, remedy for non-payment
of rent, 829.

hiring of a farm, tenant's right to give up
the lease, 830.

hiring of a farm, apportionment of rent,
831.

hiring of a farm, cultivation of the farm,
831.

hiring of a farm, on shares, 833.
FAME COVERT, means a married woman.
FAME SOLE, means a single woman.

544.

FOREIGN AND INLAND BILLS, 175.

FLORIDA, law as to rights of married women
in, 43.

days of grace allowed, and legal holidays
in, 202.

statute of limitations in, 287.

usury laws of, 309.

number of witnesses and acknowledg-
ment required to deeds of land executed
in, 539.

abstract of laws relating to collection and

recovery of debts in, 712.

chattel mortgages, regulated by statute
in, 655.

number of witnesses to wills necessary in,
785.

mechanics' liens, abstract of law of, 763.
FRAUD, annuls all obligations and all contracts

tainted by it, 69.

mere silence is seller, in general, is not,
128.

vitiates and avoids all sales, 128.

may be waived, when, 128.

is waived, when action is brought to

enforce the contract, 128.

statute of, purposes and provisions, 142–

147.

FREIGHT, is not earned unless the goods are
carried to place of destination, 330.
rule for, "pro rata itineris," 331.
cannot be earned by illegal voyage, 333.
paid in advance, not afterwards earned,
must be repaid, 333.

party receiving goods becomes liable for,
332.

lender on bottomry bond has no right to,
333.

mortgagee not in possession has no right
to, 333.

is payable when goods are delivered, in
specie, though damaged, 333.
word used how, 327.

law of, 328.
meaning of, 377.

interest in, 377.

subject of insurance, 377.

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rules relative to total loss of, etc., 402.
GENERAL AGENCY. See AGENCY, 207.
GENERAL AGENT, master of ship is, 346.
GEORGIA, law as to rights of married women
in, 44.

days of grace allowed, and legal holidays
in, 202.

statute of limitations in, 287.
usury laws of, 309.

number of witnesses and acknowledgment
required to deeds of land executed in,
539.

abstract of laws relating to collection and
recovery of debts in, 713.

GUARANTY may be enforced, when original
debt cannot be, 137.

contract of, construed strictly, 137.
unless by sealed instrument, must be sup

ported by a consideration, 137.
not binding unless accepted, 138.
specific, is not revocable, 139.

if by an official, he is not bound personally,
140.

margin, what is, 141.

oral prevented by law, 143.

effect of changing membership in a firm

on, 139.

GUARDIANS, law of, powers and duties of, 794-
H.

HOLDER, what he may do with a bill or note,

179.

of negotiable paper, rights and duties of,

179.

of bill, it is prudent for him to present the
bill for acceptance without delay, 181.
ill-health on part of, may excuse delay in
presentment, 181.

may refuse a qualified acceptance, 196.
may cancel the acceptance, 196.

is not obliged to receive acceptance for

honor, 197.

HOLIDAYS, in all the States, abstract of, 201.

chattel mortgages regulated by statute in HOMESTEAD, law of, 704.
655.

number of witnesses to wills necessary in,
785.

mechanics' liens, abstract of law of, 763.
GUARANTOR, who is, 136.

who pays principal's debt, may demand
from the creditor the securities he holds,
137.

not bound, unless he has knowledge of
the acceptance of his guaranty, 138.
discharged, if principal's liability is
changed without guarantor's consent,
138.

discharged, if the liability is extended by

law, 138, 139.

not always discharged by creditors giving
debtor some accommodation or indul-
gence, 139.

should have reasonable notice of princi-
pal's failure, 140.

of a note or bill, is not entitled to as
strict notice as indorser is, 190.

GUARANTY, incidents of, 136-139.

not generally negotiable, 136.

HOTEL-KEEPERS, rights and duties of, 276-

278.

have a lien on goods of guests for board,
276.

must receive every guest, 277.

liability of for loss of guests' property, 27".
HUSBAND, bound to support his wife while she

lives with him, or if he sends her away
without good cause, 59.

a man is bound to support as his wife one
whom he lives with,and represents as his
wife, 59.

may indorse a note or bill given to the wife
before marriage, 195.

I.

IDAHO, law as to rights of married women in,
44.

days of grace allowed, and legal holidays
in, 202.

statute of limitations in, 287.
number of witnesses and acknowledgment
required to deeds of land executed in,
539.

IDAHO, usury laws of, 309.

abstract of laws relating to collection and
recovery of debts in, 714.

chattel mortgages regulated by statute in,
655.

INDORSEMENT may be restored if struck out
by mistake, 194.

may be made on the paper before the
note or bill be drawn, 195.

in blank, or in full, what they are, 171.

number of witnesses to wills necessary in, INDORSER, each admits by his indorsement
786.

mechanics' liens, abstract of law of,
763.

IGNORANCE OF LAW, excuses no one, 68.
ILLINOIS, law as to rights of married women in,
44.

days of grace allowed, and legal holidays
in, 202.

statute of limitations in, 287.
usury laws of, 309.

number of witnesses, and acknowledg

ment required to deeds of land executed
in, 539.

abstract of laws relating to collection and

recovery of debts in, 715.

chattel mortgages regulated by statute in,
655.

number of witnesses to wills necessary in,
786.

mechanics' liens, abstract of law of, 764.
INDIANA, law as to rights of married women

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in, 45.

days of grace allowed, and legal holidays
in, 202.

statute of limitations in, 288.

usury laws of, 309.

number of witnesses and acknowledgment
required to deeds of land executed in,
539.

abstract of laws relating to collection and
recovery of debts in, 716.
chattel mortgages regulated, 656.
number of witnesses to wills, 786.
mechanics' liens, abstract of law of, 764.
INDIAN TERRITORY, number of witnesses to
wills necessary, 786.
INDORSEE, of bill of exchange, 163.
INDORSEMENT, is what, 191.

by law merchant, bills and notes payable
to order are rightfully transferred only
by, 192.

in full, or in blank, 192.

as to special, 193.

the genuineness of each previous, 193.
may make a bill payable to himself alone
by special indorsement, 192.
of bill of exchange, 163.
right and duties of, 191, 192.
INFANTS, or minors, chap. iii, 30.
who are, 30.

when persons cease to be, 30.

promise of, if not for necessaries, voidable
by the infant, 30.

promise of, for necessaries, not voidable

by him, 32.

promise of, may be confirmed, without
words, 31.

liable for frauds of any kind; therefore

liable if he obtains goods or money by
representing himself of full age, 32, 33.
ratifies his promise to pay by keeping the
thing for which he promised to pay, 33
necessaries, what are, 32.

if one avoids a contract because made it.
infancy, he can take no benefit from it
33.

liable for torts, or wrong doing, 32.
INN-KEEPERS, rights and duties of, 276.
IOWA, law as to rights of married women in,
45.

days of grace allowed, and legal holidays
in, 202.

statute of limitations in, 288.
usury laws of, 309.

number of witnesses and acknowledgment
required to deeds of land executed in,

539.

abstract of laws relating to collection and
recovery of debts in, 717.

chattel mortgages regulated by statute in,
656.

number of witnesses to wills necessary in,

786

mechanics' liens, abstract of law of, 764.
INSANITY, of principal or agent, revokes au-
thority, 220.

joint payees who are not partners must INSTRUMENTS, irregular and ambiguous, 172.

join in, 193.

the signatures of all previous indorsers

are admitted by each, 193.

INSURARLE INTEREST, and how discharged,

372.

INSURANCE, policy of, 370.

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against piracy, 387.

against robbery, 387.

against theft, 387.

terminates when, 396.

purpose and principle of the law of, 403.

effect of, in case of partial loss, 403.
contract for, when complete, 407.
application, how obtained, 409.
on what conditions made, 409.
must be actual authority to make, 416.
double, not allowed, 417.

double, how avoided by charter of com-
pany, 417.

evidence of overstatement of loss in, 426.
fire, no rule in for deducting one-third
new for old, 426.

companies require sworn statement of cir-
stances of loss, 427.

against accident, disease, and dishonesty
of servants, 439.

INSURER, held for losses by fire, 389.
liable for theft after shipwreck, 389.
liable for misconduct of the crew, when,

390.

when liable under the general clause, 391.
liabilities in case of prohibited or contra-
band trade, 391.

liabilities in case of capture, arrest, or de-
tention, 390.

how affected by detention, 390.

how affected by deviation, 392.

by payment for loss, acquire the insured's
claim for contribution, etc., 403.
when discharged by alterations, 413.
must know whom they insure, 416.
should be informed of what facts, 420.
risk incurred by, 421.

when not chargeable, 421.

whether held for loss occasioned by negli-

gence of the insured or his servants, 422.
liable for buildings blown up to check
fires, 421.

when liable for property destroyed by
lightning, 421.

never held to pay more than sum insured,
422.

INSURERS, against fire, not held to pay for
loss of profits, 425.

pay whole amount lost, when covered by

policy, 425.

have a right to rebuild premises when de
stroyed, 425.

INSURED, must communicate what things, INTENTION, in construction of policy, 408.

384.

must account for proceeds of sale when
made by the master under necessity,
399.

may abandon, when, 400.

party, bound by what rules, 407.

all become members when insured in mu-
tual insurance companies, 405.

must have an interest in the property in-
sured, 414.

when liable for assessments after loss

under mutual policy, 426.

must have an interest in life insurance, 434.
INSURER, how bound by the contract, 370.
discharged by concealment or misrepre-
sentation, 383.

liable for what risks, 387.

when liable for collision, 389.

how far answerable for perils of the sea,
388.

INTEREST, is what, 300.

may be demanded, on what grounds, 300.
is allowed by law, how, 300.

not generally recoverable, when, 301.

laws regulating, 301.

when usurious, 301.

banks receive more than legal, 305.
compound, incidents of, 307, 308.
compound, is not strictly usurious, 307.
method of computing, 308.
insured's claim founded on, 375-
insurable, 374.

insurable, how discharged, 375.
of the insured, 414.

of mortgagor and mortgagee, as to insur
ing mortgaged property, 414.
who have an insurable interest, 414, 415.
exception as to the rule of any one al-
lowed to insure property as his own in
which he has a legal interest, 415-

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