images of public domain material from the ,google ,print project47 ,,how ,,to ,,collect ,a ,,doctor ,,bill ,,by ,,frank ,p4 ,,davis1 ,m4 ,d4 ,secretary ,oklahoma ,state ,board of ,medical ,examiners1 #aijh-aa4 ,superintendent ,oklahoma ,state ,institution for ,feeble ,minded1 #aiaj-aa4 ,member ,county1 ,state and ,american ,medical ,association4 ,member ,american ,school ,hygiene ,association4 ,member ,state and ,national ,eclectic ,associations4 ,member ,oklahoma ,association of ,charities and ,corrections4 ,member ,oklahoma ,press ,association4 ,member ,southwestern ,medical ,association4 ,late ,editor ,davis' ,magazine of ,medicine1 ,etc4 ,publishers ,,physicians ,,drug ,,news ,,co4 ,,newark1 ,n4 ,j41 ,u4 ,s4 ,a4 #aiac ,,copyright #aiac ,,by ,,frank ,p4 ,,davis1 ,m4 ,d4 ,contents ,page ,,chapter ,i ,the ,successful ,physician #a ,,chapter ,,ii ,attitude ,toward ,debtors #aa ,,chapter ,,iii ,proper ,time to ,collect #af ,,chapter ,,iv ,books and ,bookkeeping #ai ,,chapter ,v ,letters and ,forms #bd ,,chapter ,,vi ,statutes of ,limitations #ca ,,chapter ,,vii ,exemption ,laws and ,their ,application #cc ,,chapter ,,viii ,extracts from ,exemption ,laws of ,all ,states #ce ,,preface ,my excuse for presenting this little book to the profession is that ,i have often felt the want of just such information as is herein contained4 ,in fourteen years of practice ,i have made it a point to study my patients and the business problems that confront the man in our profession4 ,some of the things that ,i have learned are embodied in this book4 ,taking my professional experience as a whole ,i have collected over ninety per cent of my accounts4 ,if this book shall be the means of causing any physician to study the business side of professional life1 and get what is due him1 ,i will feel that ,i have not worked in vain4 ,enid1 ,okla41 ,june #f1 #aiab4 ,,frank ,p4 ,,davis1 ,m4 ,d4 ,,chapter ,i ,,the ,,successful ,,physician4 ,a man with a bulging forehead once said that ,life is what you make it4 ,this is very true in the profession of medicine4 ,the successful physician must live in the manner of successful men4 ,to do this1 most men must live upon the income from their practice4 ,if the physician properly cares for his wife and children1 he must realize on his investment--his medical education4 ,a man's first duty is to his own1 and it is written that the man who fails to collect that which is due him1 and provides not for his own1 and especially for those of his own house1 is worse than an infidel4 ,to successfully conduct any enterprise it is necessary to adopt business methods4 ,system is the key-note of modern business1 and the simplest system is the best4 ,a cash system is by far the simplest4 ,no man can succeed in practice1 nor can he be considered a safe medical adviser so long as he is handicapped by poverty1 a worried mind or poor health2 or if he is compelled to dodge around corners to escape his creditors4 ,there are men who tell us that they are not in practice so much for money as for the glory and honor of the profession4 ,if these men are sincere1 ,i pity them from the bottom of my heart1 and feel sorry for their wives and children4 ,nor can ,i understand where the profession can gain much honor from men who are financial failures4 ,not that money is the only thing for which we should strive1 but that the man who provides not for his own1 cannot be representative of the noble profession of medicine4 ,also1 ,i have observed that the path of glory leads in the direction of the cemetery1 and checks on the ,national ,bank of ,fame are generally protested when the rent comes around4 ,the applause and compliments of the multitude are no doubt sweet1 but it only lulls to rest the voice of duty1 and fails to provide sustenance for those dependent upon us4 ,man cannot live on air alone--even though it be flavored by the ambrosia of sweet compliments and the hypnosis of applause4 ,again1 ,i have observed that a larger crowd will turn out any time to see a man hung than to compliment him on a duty well performed4 ,the man who answers calls at all hours of the day and night1 for any and every one who may request his services2 with no assurance of ever receiving pay2 and who is afraid to demand settlement for fear of losing practice1 is not competent to conduct his own affairs1 much less to practice medicine4 ,it is this class of men who make dead-beats of our patrons1 and thus reduce the income of physicians to a point where a bare existence is all we can hope for4 ,to be a safe medical advisor requires that the mind be free from the petty cares of life4 ,he should live in a manner in keeping with the dignity of the profession to which he has given his life4 ,he must have a neat office1 wear good clothes1 have a happy home and a contented mind4 ,it is well to achieve the reputation of being an indefatigable and shrewd collector4 ,it pays4 ,it will influence your regular patrons to pay more promptly4 ,it will also help to keep away those who trespass upon your time and never pay you4 ,the only sure way to hold practice is to require your patrons to pay their bills promptly4 ,if they do not owe you they are not so liable to avoid you and cease to employ you4 ,let a family once get greatly in arrears1 then it will happen that--not having the cheek to face you--they will call another physician1 and give every reason but the true one for deserting you4 ,thus1 through your own neglect you lose patronage1 friends and your good name and reputation4 ,the public will never place any higher value on your services than you do yourself4 ,the death-knell of any physician's success is tolled when he becomes known as a cheap doctor4 ,not only must you require others to pay you1 but you must also pay your own bills4 ,physicians1 as a rule1 are considered poor pay by business men4 ,it is a very good rule in life to discount all bills that you owe1 and never to discount a bill due you4 ,make it a rule to never owe any man anything1 and to have as few owe you as possible4 ,many physicians will cut their bills to whatever the debtor cares to pay4 ,in this way they lose a large part of their fees1 and achieve the reputation of being poor business men4 ,i heard an old ,arkansas doctor relate his experience in discounting a bill that well illustrates the weakness of many physicians4 ,a client owed him #fj1 and after the account had run about six months1 the man came in and said1 ,doc1 ,i hain't got the money1 but if you will cut that bill in two ,i'll borrow it from my father-in-law4 ,the doctor thought #cj would be better than waiting1 so agreed4 ,three months later the man returned and said1 ,doc1 ,i couldn't get the money from my father-in-law1 but ,i have a fat hog ,i can sell and get some money if you will cut that bill in two4 ,the account was growing old and the doctor thought he had better take the #ae1 so he said all right4 ,six months from that time the fellow hove in view again4 ,this time he said1 ,doc1 my wife thought we needed that hog for meat and ,i couldn't get her consent to sell it1 but ,i have a job now1 and if you will cut that bill in two1 ,i'll pay you4 ,this time the doctor thought he saw #g4ej in sight1 so again he agreed4 ,all right1 ,doc1 said the debtor1 as soon as ,i get in a few weeks work1 ,i'll be in and pay you4 ,the doctor said the fellow did come around a few months later and began a similar story1 but he told him to go to a country where rotary snow plows are not much in demand4 ,one of the greatest mistakes is in allowing accounts for different cases to accumulate until the amount becomes so large that it is difficult to pay4 ,it is always best to require settlement as soon after each case is dismissed as possible4 ,in sending statements1 be careful to itemize by cases only1 as ,john1 fever1 #ae1 ,wife1 confinement1 #be1 etc4 ,i seldom give the disease unless it is some special case that required much attention4 ,in some cases it refreshes their memory when reference is made to the disease4 ,you must know your business4 ,give every man a square deal1 and require others to do the same by you4 ,when you have completed your work1 remember the advice of old ,prof4 ,joslyn1 ,get money1 still get money1 boy1 no matter by what means so long as it is justly due you for services rendered4 ,if you fail to require your patrons to pay you for your services1 you have not done your full duty4 ,,chapter ,,ii ,,attitude ,,toward ,,debtors4 ,a fundamental principle in being a good collector is to never lose the good will of your patrons4 ,so long as you are on friendly terms with a man you can approach him and talk over the matter4 ,it will be easy to keep advised as to what he is doing1 and when he is expecting to receive money4 ,the time will come sometime when he can pay at least a part or secure your claim4 ,we must not lose sight of the fact that in this country poor men sometimes become rich1 and rich men sometimes become poor1 and we should deal with them accordingly4 ,it is poor business policy to permit well-to-do clients to run up big bills1 and at the same time hound your poor patrons4 ,one of the easiest ways to collect a bill1 when they have persistently failed to pay1 is to loan them some money4 ,this plan is fully covered in the following editorial from ,davis' ,magazine of ,medicine4 ,let us now consider the investment of the doctor's savings4 ,his fees are received in small sums1 generally ranging from a few dollars to a hundred dollars at a time4 ,he seldom has over a few hundred dollars on hand at any one time4 ,and failing to find a good place to invest such sums as he has1 he becomes a prey for the stock companies and the land sharks1 where he can make his investment on the installment plan4 ,most physicians are earnestly seeking a safe investment for these small sums of money1 but very few have found a plan that appeals to them4 ,most of the advice one gets from the journals is ',don't' or to invest in farm mortgages4 ,when he looks around for a farm mortgage he finds that the small amount of money he has to loan will not meet the requirements of the man who desires the loan4 ,even should he find a small loan that he could handle1 the interest would be so low1 that it would produce a very small income after paying taxes4 ,i believe the doctor's earnings should net him ten per cent1 and be in such form that he can realize on them in case of emergency4 ,to take chances on getting a greater rate of interest would be to accept too great risk1 and a less rate would be poor business policy4 ,the problem simmers down to about this3 ,how can we invest small sums1 from twenty-five to one hundred dollars1 so they will be safe1 and earn at least ten per cent interest8 ,i solved this problem several years ago while engaged in general country practice4 ,in fact1 it can be applied better in the country than in the city4 ,the plan is this1 loan your money to your slow pay patrons4 ,sounds risky1 don't it8 ,i have found it to prove a success4 ,i learned that most of my poor pay or slow pay patrons were always ready to borrow money1 and that they could generally secure me with chattel mortgages1 or get good men to sign their notes4 ,the note and mortgage always covered the amount loaned and the amount of my bill4 ,there are few who cannot give you suitable security1 and these few should be turned over to the other doctor who is practicing for the love and honor of the profession4 ,when it is known that you have a little money loaned out1 and that you will only loan to those who have you for their physician1 your practice will steadily grow4 ,be on your guard and do not permit your old accounts to become outlawed by the statutes of limitations of your ,state4 ,this may be prevented in a measure by getting a small payment from time to time on account1 as the law of limitations does not apply until the lapse of the period of time named in the law1 after the last payment on the account or note4 ,the exemption laws of most states are so liberal that a very small per cent4 of physician's bills could be collected by law1 should the debtor elect to take advantage of the exemption law4 ,the only safe method is to put it up to your client as a debt of honor1 and depend upon their inherent honesty and pride4 ,it does no good to sue a man for a doctor bill except in extreme cases4 ,you will lose more than you will gain4 ,not only will you in all probability lose the account and expenses1 but you will make a lot of enemies1 who will injure your practice more than the amount of the bill4 ,treat your poor patrons with the same respect and courtesy that you do rich ones4 ,mr4 ,smith will do his best to pay you1 while ,old ,bill ,smith will not exert himself very much to balance your ledger4 ,then above all treat the woman in the flowered ,mother-,hubbard as if she were the ,queen of ,sheba1 and the off-color lady from the red-light district as you would the ,president of the ,purity ,society4 ,the child that is ragged and dirty should receive the same cordial attention as the one in silks4 ,when the time comes that you cannot treat all your patrons as you would like for them to treat you if your positions were reversed1 it is time for you to ,fold up your tent like the ,arab and silently steal away1 your usefulness is at an end4 ,the day when you can make money in that location has passed4 ,be kind to little children4 ,women and children furnish the greater part of our patrons4 ,men do not count for much in the practice of medicine1--unless you are a ,g-,u specialist4 ,i have always found that where grandma and the children liked me1 that ,i had no trouble in getting practice or in collecting my money4 ,do not pad your accounts4 ,charge what you consider your services worth1 and then stick to it4 ,deal a square hand to all4 ,the golden rule is just as bright and as true today as it was thousands of years ago1 and it is not recorded that any man was ever hung that lived up to it4 ,after you have done your full duty demand that your patrons do their duty by you4 ,keep after the money that is justly due you4 ,get money2 but get it honestly4 ,you will be criticised by some1 and cussed by others1 but in the words of ,carrie ,nation1 ,why care for the criticism of men who change and die8 ,and finally remember1 that in this world there is nothing that will pay dividends equal to smiles--unless it is gall1 and do not forget the injunction of the prophet1 ,physician1 'heel' thyself1 lest in old age the world will say1 ,well done1 good and faithful servant2 enter thou--into the poor house4 ,,chapter ,,iii ,,proper ,,time ,,to ,,collect4 ,to every thing there is a season1 and a time to every purpose under the sun4--,eccle4 #c3 #a4 ,the time to collect depends to a considerable extent upon the location and the class of patronage4 ,in cities1 as a rule1 collections should be made weekly1 as many patrons move frequently1 and you lose track of them4 ,it is proper and wise to present your bill as early after the service is rendered as possible4 ,bills should be presented to working men at the time of their regular payday4 ,in country practice ,i have found it best to send statements monthly and to require settlement quarterly by cash or note4 ,i have adopted this rule in a cotton country where it was the rule to only pay the doctor once a year1 if at all4 ,farmers and planters can borrow money to pay the doctor as well as they can to pay farm hands and cotton-choppers1 or at least can give notes bearing interest4 ,when a man consults you and commences to run down some other doctor1 require him to pay cash4 ,he's in bad with the other fellow4 ,dead-beats should never be temporized with4 ,don't do a man's practice in the hope that he will pay you1 when you know that he has beat the other fellow4 ,while every case is to a certain extent a rule unto itself1 yet1 there are a few essentials that are necessary to make a success in collecting4 ,the two principle rules are1 to keep everlastingly after them1 and never to lose their friendship4 ,so long as you are on good terms there is hope4 ,keep your accounts collected closely4 ,the man who carries more than one-third of his business on his books is a business failure4 ,old accounts breed knockers4 ,go thou to the lawyer and consider his ways--then cinch the money4 ,never employ a collector on commission4 ,your office girl will prove the best collector if you have not time to attend to it yourself4 ,in fact1 for general collecting1 she will prove the best collector you can get4 ,give her an honorium in addition to her salary if she makes good4 ,at many places the collector will be informed that the party she is seeking is not at home1 or is not in the office4 ,instruct her to stay until they return1 even if she finds it necessary to take her sewing along1 and spend the day4 ,frequently the party desired is just hiding in another room1 waiting until the collector leaves4 ,rather than stand the siege of a determined collector they will sometimes pay the bill4 ,the collector should carry a note-book and jot down just what the debtor has to say4 ,this should be done in the presence of the debtor4 ,collectors should always try to get something on account1 even if only #be or #ej cents4 ,it keeps the account alive1 and helps defray expenses4 ,take notes if you find it impossible to get the cash4 ,have them well secured if possible4 ,where you cannot get security get at least two names on the note4 ,two dead-beats are better on a note than one on the books1 but1 better still1 get the order note shown on another page of this book4 ,if you take unsecured notes have them to mature in not to exceed thirty days4 ,don't overlook the fact that a married woman's note is valueless in many states4 ,frequently a debtor will promise to pay at a certain day1 and then usually fails to show up4 ,when he makes the promise1 make a note of the time in your note-book4 ,if he fails to keep the appointment1 write him a nice letter1 something along this line3 ,dear ,sir3-- ,i am sorry that ,i was not in the office on the #aeth4 when you called to settle your account4 ,when we were talking about the matter the other day ,i neglected to tell you that if ,i was not in the office when you called you could pay the office girl1 and that she would give you a receipt for the amount4 ,i hope that you are well and prosperous1 and that little ,mary has fully regained her strength4 ,if ,i am not in when you come up again1 just pay the amount to the girl and it will be all right4 ,thanking you for your attention to this matter1 and wishing you success1 ,i remain1 ,yours very truly1 ,this will generally bring him in with many excuses and some money4 ,,chapter ,,iv ,,bookkeeping ,,and ,,statements4 ,a simple system of keeping accounts is necessary4 ,there are many systems on the market1 ranging all the way from the simple blank ledger to the elaborate desk systems4 ,i prefer the card system or the single book4 ,as only records of original entry are accepted in courts as evidence of account1 a complicated system would hardly be suited to the average physician4 ,the entry must be so clear and simple that any ordinary person can readily understand the account1 hence1 any system that depends upon ciphers or marks is valueless4 ,a physician that is a good bookkeeper can no doubt handle the complicated systems successfully1 but as ,i was not trained as a bookkeeper1 the simplest1 clear1 legal system meets my needs4 ,always enter each day's work on the day it is done4 ,don't wait until tomorrow1 or next ,sunday to make up your books4 ,by cultivating the habit you can get as much pleasure out of entering charges in your books as you could from some calls4 ,i have seen the time when ,i got more real joy out of receipting one bill than ,i would in going seven miles in the country on a stormy night to see a dead-beat4 ,life is but a joke1 but it isn't wise to let the dead-beat have the joke on you all the time4 ,don't scatter your accounts on the book4 ,keep them close together and they will be seen more frequently4 ,it is better to run over the pages when entering charges than to refer to the index1 as you will be reminded of other entries that should be made1 and accounts that need looking after4 ,once an account goes on your books1 never lose sight of it or give up until it is settled1 or otherwise disposed of4 ,it is a bad habit to skip an account when making out statements4 ,treat them all alike4 ,it may be advisable to classify your accounts1 but you should never fail to push the collection of every account on your books4 ,in charity practice1 enter on your book at the regular rate1 and credit to charity to balance4 ,in this way you keep an account of the extent of your contributions to charities4 ,keep a stub of each statement you send out so that your client can not bring in an old one and dispute your account4 ,the following form will meet every requirement for a statement4 ,by retaining the stub you have a complete record of your statements4 ,no4444444444444444 ,,statement ,name44444444444444 44444444444444444444444#ai44 ,address44444444444 ,mr44444444444444444444444444444444 ,date sent444444444 ,to ,j4 ,m4 ,,smith1 ,m4,d4 ,dr4 ,previous bill sent ,to ,professional services 444444444444444444 to date - - - 44444444444 ,am't paid444444444 ,all accounts are due and payable ,collector444444444 when services are rendered4 ,the best way to hold practice is to collect your accounts4 ,more people change doctors because they owe big bills than for any other reason4 ,never tell a debtor that you are hard up and need the money4 ,he won't believe you1 and will not only neglect to pay you1 but will change to some other doctor4 ,tell them that you must have the money because it is yours and that you want the profit that may be made with it4 ,put it up to them as a plain business proposition and loan them the amount if they pay you interest and give good security4 ,they will respect you when you make them pay4 ,a man is judged in this country by his business success4 ,most men would rather pay a lawyer a thousand dollars to keep them out of the penitentiary for a year1 than to pay a doctor fifty dollars to keep them out of hell for a life time4 ,office and transient practice should be cash or an order note4 ,the following form will prove valuable3 44444444444444#aia44 ,after date1 for value received1 ,i promise to pay 4444444444444 or order44444444444,dollars1 the same to be paid in444444444444444payments of 4444444444444each1 until the sum of 444444444444 has been paid4 ,for ,value ,received1 ,i1 the undersigned1 hereby sell1 assign1 transfer and set over unto44444444444444 all my right1 title and interest in and to all of my salary1 wages or any moneys due1 or to become due1 to the amount of44444444444444444,dollars1 from any person1 firm or corporation1 and order the said amount to be paid to the bearer out of the first moneys due me after the presentation of a copy of this instrument4 ,i hereby irrevocably waive all exemptions or other rights ,i may have by means of any law of any state in which ,i now1 or may hereafter be employed or reside4 ,i agree to pay all costs and attorney's fees that may be incurred in collecting the above amount4 ,name444444444444444444444444444444444 ,occupation44444444444444 ,address444444444444444444 ,employed by4444444444444 ,address444444444444444444 ,i have this form printed on cards and file them in a card file4 ,this contract note not only helps to get the money1 but it solves the problem of holding chronics and venerals4 ,it is seldom necessary to present the order for payment4 ,when you write a letter advising your client that you will be compelled to present the order to his employer if he doesn't come in and see you1 he will show up in a very short time4 ,subscribe to the ,merchant's ,exchange4 ,if a man will not pay his store bills you cannot expect him to pay his doctor4 ,get the cash when you find his name on the list1 or let the other doctor have the case4 ,after entering an account on your books1 make no rebates or discounts4 ,buy a hog for four times its value1 if necessary1 but don't discount your bill4 ,if account is paid by check1 remember the following points3 ,when a check is post-dated 7dated ahead71 if payed before the date mentioned1 the money can be recovered4 ,when post-dated checks fall due on ,sunday or a legal holiday they should be presented on the day following4 ,changing the dates of checks without the consent of the drawers will make the checks void4 ,checks that are not dated1 or that do not contain any statement when they are to be paid1 are never payable4 ,bank checks are but orders on the bank for the payment of money1 and are payable in the order in which they are presented at the bank4 ,do not hold checks1 but present them for payment as soon as possible4 ,if a check is not paid on proper presentation1 resort may be made to the original claim4 ,have the banker endorse the reason for non-payment on the check4 ,certified checks are checks that have been endorsed by the bank1 and constitute payment as to the persons drawing them4 ,if a check is turned down at the bank notify the drawer at once4 ,if you receive a check and endorse it and place in your bank for collection1 and it is turned down1 do not return it to the drawer until you get a remittance to cover1 without first erasing your endorsement4 ,,chapter ,v ,,forms ,,and ,,collecting ,,letters4 ,nearly every form of letter that has been devised for collecting physicians accounts has been based upon those used by installment houses and those in general use by wholesale merchants who deal with retail dealers4 ,they all carry the bluff idea4 ,this is all right in dealing with installment customers with whom you have a contract that will take away the goods purchased1 or with retail merchants who know they must meet their obligations if they continue in business4 ,the credit men of mercantile institutions keep tab on their customers through the local merchants exchange and the commercial agencies1 and are in a position to know to what extent it is safe to extend credit4 ,the merchant cannot refuse to pay his bills and go to another wholesale house and buy goods1 hence if he is a little tardy in meeting his obligations the bluff letter will awaken him to the necessity of paying the bill4 ,with the doctor's customers it is altogether different4 ,he knows that he cannot be compelled to pay the bill1 and that some other physician will be only too ready to come at his call4 ,it is then evident that the bluff idea will not work with the man who knows that he can get another doctor whenever he wants one1 and that he is so protected by the exemption laws that the bill cannot be collected by resorting to law4 ,so in reaching this class we must devise other plans if we hope to accomplish anything4 ,here1 my experience has shown that sentiment is the key note in an effective collecting letter for physicians4 ,i have found that the more human interest1 sentiment and friendly feeling that can be woven into the letter the better it is4 ,every time that ,i write a letter to a client ,i try and refer in some manner to the patient or to some member of the family1 and try to impress them with the fact that ,i have a personal interest in them4 ,the following forms are suggestive of the idea1 and have proven very successful in my practice4 ,the classification is1 of course used with every account--they are all ,no4 #a until they fail to pay4 ,the word ,class and the number are stamped with a rubber stamp4 ,letters of this kind should be pen written--typewriter and form letters will not answer1 they lose the personal sentiment4 ,a duplicator that will easily reproduce #ajj copies of a pen written letter may be had for about #e1 and the letters may be formed on this1 leaving space in which the personal matter may be written4 ,if properly done they will have the appearance of a hand written letter4 ,don't have your letters too polished4 ,remember you are a very busy man--just writing a note to a friend4 ,omit the rhetorical embellishments from this class of correspondence in all cases4 ,the first of my series of letters is along the following line4 ,,class #a4 ,dear ,sir3-- ,in looking over my books with a view of raising a small amount of money1 ,i note there is a balance due on your account of #aj4jj1 and as you have always been one of my best paying patrons1 ,i have let this run1 knowing ,i could get it whenever ,i called on you4 ,i always divide my accounts into three classes3 #a4 ,those who ,i can depend upon to pay when ,i call on them4 #b4 ,those who are slow to pay1 and that ,i must keep after4 #c4 ,very poor pay and unsatisfactory clients4 ,whenever one of my patrons fails to respond to my statements it reduces him to the next lower class4 ,as you are one of my ,first ,class patrons1 ,i know you will be only too glad to assist me at this time4 ,i saw little ,mary on the street the other day1 and she is looking well and hearty4 ,i am glad she is so well1 as we had a hard fight to save her last spring4 ,wishing you health1 happiness and success1 ,i am1 ,yours very truly4 ,now if this fails to bring the money1 we will try ,class ,no4 #b4 ,,class #b4 ,dear ,sir3-- ,i was very much disappointed in not receiving the small amount of your account1 #aj4jj1 as you were one of my ,class #a customers1 and ,i felt sure you would not fail me when ,i called on you4 ,i hope you will attend to this at once1 as ,i would like to place you back on my ,class #a list4 ,a good credit is the greatest asset that any man can have1 and ,i find ,i can only maintain my credit by making prompt payment of my bills4 ,to do this ,i must have a prompt settlement of the bills due me4 ,i know that you value a good credit1 and feel sure that you will not again disappoint me4 ,how is baby getting along8 ,i guess he can almost stand by this time4 ,come in and see me any way1 and we can no doubt make arrangements that will help us both out1 and continue the best of friends4 ,yours very truly4 ,in case he is not interested in your friendship1 and does not show up with the money1 we will try our third and last shot4 ,,class #c4 ,dear ,sir3-- ,i am very sorry that you did not see fit to reply to my letters of ,july #ae and ,august #ae4 ,not so much on account of your failure to pay me the #aj4jj which you owe1 but because ,i dislike to lose faith in my fellow man1 and you know it hurts a fellow when he finds his judgment was wrong4 ,i have often wondered how ,i would feel if ,i knew my little child was up in heaven1 looking down at me with her angelic eyes1 wondering why ,i did not pay the doctor who worked so hard all night to give her ease and to keep her with me4 ,i don't believe that ,i could be happy4 ,still ,john1 ,i believe in you1 and feel sure you will come in and see me about this little matter4 ,i just can't believe ,i was mistaken in you4 ,wishing you success1 ,i am1 ,very truly yours4 ,the personal matter must be fitting to the case4 ,if your patients do not die1 you might speak of the innocent little babe who will grow up to womanhood unpaid for4 ,lawyers in ,oklahoma hold a lien on the cause of action until their fees are paid4 ,wonder how that would work with the medical profession8 ,the point that ,i want to press home to you is that if you cannot get a settlement with sentiment1 you cannot get it any other way4 ,you cannot bluff them for they know they are execution proof4 ,read the exemption laws of your state and you will find that there is not a third of your patrons but could beat you if you tried to enforce payment by law4 ,here are some thoughts that have been worked into form letters that may give you an idea that you can use in some special cases3 ,your continued silence after receiving our previous letters1 compels us to infer that you neither propose nor intend to remit us the small balance on your account4 ,the amount is justly due1 and we now state positively that on account of our having been patient1 lenient and courteous with you in the past we cannot let the matter drop at this time by merely writing you4 ,from information we have received from different sources we appreciate the fact that you are amply able to pay the amount due4 ,we are placing the utmost reliance upon receiving a remittance from you in the next few days4 ,sometimes you can get settlement by means of a sight draft4 ,some people seem to fear a bank and will pay an account when held by a bank when they would pay no attention to anyone else4 ,always get an order from a corporation before rendering service4 ,if they call you to attend any of their employees1 have them sign an order before giving the case any attention1 otherwise you may not be paid for your services4 ,they will refuse to pay1 and the patient will claim he did not call you4 ,have some order cards with you all the time for the signature of corporations or others who will call you to attend a patient who is not related to them4 ,the following form will answer3 4444444444444444444444#aiab ,dr4 ,john ,smith3 ,you will please attend 4444444444444444444444444444444444444444 44444444444444 during his present illness4 4444444444444444444444444444444444 ,when some corporation or other responsible party calls you up and wants you to attend some one1 have them sign the card1 then they will be bound to pay if the patient fails to do so4 ,the person representing a corporation should sign1 as in many cases they have no authority to bind the company4 ,,chapter ,,vi ,,limitations4 ,the following table gives the time an account or instrument of writing1 7note1 judgment1 etc47 will survive before becoming out-lawed by the statutes of limitations in the several states4 ,open account ,note ,judgment years years years ,alabama #c #f #bj ,alaska #f #aj ,arizona #c ,arkansas #c #aj ,california #d #d #e ,colorado #f #f #f ,connecticut #f #aga ,delaware #c #f ,florida #c #e #bj ,georgia #aj #f #g ,hawaii #f #f #bj ,idaho #d #e #f ,illinois #e #aj #ajb ,indiana #f #aj #bj ,iowa #e #aj #bj ,kansas #c #e #ec ,kentucky #e #e #ae ,louisiana #c #e #aj ,massachusetts #f #bj #bj ,michigan #f #aj ,minnesota #f #f #aj ,mississippi #c #f #g ,missouri #aj ,montana #f ,nebraska #d #e ,nevada #c #d #f ,new ,hampshire #bj ,new ,jersey #bj ,new ,mexico #d #f #g ,new ,york #aj #bj ,north ,carolina #c #c #aj ,north ,dakota #f #f ,ohio #f #f #ae ,oklahoma #c #e ,oregon #f #f #aj ,pennsylvania #f #f #bjd ,rhode ,island #f #bj #bj ,south ,carolina #f #f #bj ,south ,dakota #f #f #bje ,tennessee #f #ajf ,texas #b #d #aj ,utah #d #f #h ,vermont ,virginia #b #e #aj ,washington #f #f ,west ,virginia #e #e #aj ,wisconsin #f #aj #bj ,british ,columbia#g ,manitoba #f #aj ,wyoming #h #e #aj ,new ,brunswick #f #f #bj ,nova ,scotia #f #bj ,ontario #f #aj ,quebec #eh #e ,mexico #a #c ,,footnotes3 #a ,promissory note not negotiable4 #b ,justice ,court4 ,court of ,record1 #bj years4 #c ,judgment may be kept alive by issuing execution every five years4 #d ,may be revived by proof of non-payment4 #e ,if judgment is from any other state1 #aj years4 #f ,where the statute of limitations of another ,state or government has created a bar to an action upon a cause accruing therein1 while the party to be charged was a resident in such ,state or under such government1 the bar is equally effectual in this ,state4 7,code 7,m4 ,v47 ,sec4 #cdha47 #g ,all actions for debt upon any recognizance1 shall be commenced within twenty years after the cause of action arose4 #h ,surgeon's1 physician's and dentist's accounts dating from the time the services or medicine is supplied4 ,this table is as near complete as we are able to make it at this time4 ,the laws are changed frequently4 ,this is accurate enough to enable any physician to look over his books and find what per cent4 of his accounts have outlawed by his failure to enforce payment4 ,remember that a payment1 however small it may be1 will revive an account1 even after it has become outlawed4 ,hence the advisability of getting small payments at every opportunity4 ,these payments should be less than one year apart1 as some ,states do not consider payments made over one year apart4 ,under the ,oklahoma law a foreign judgment is limited to one year4 ,in ,west ,virginia a foreign judgment against a person who has been a resident of the ,state for ten years is barred4 ,a similar clause to the following1 taken from the laws of the ,state of ,washington1 is incorporated in the acts of nearly all ,states1 and may be considered as a general rule3 ,in an action brought to recover a balance due upon a mutual1 open and current account1 where there have been reciprocal demands1 the cause of action shall be deemed to have accrued from the time of the last item of the account proved on either side1 but when more than one year shall have intervened between any of a series of items1 they are not to be deemed such an account4 ,thus1 if you do practice for a person1 and a year elapses and you again attend him1 you cannot combine the two as one account1 and enforce collection by law4 ,,chapter ,,vii ,,exemption ,,laws4 ,before starting a suit to collect money due you1 carefully read up on the exemption laws of your ,state4 ,after carefully considering the matter you will find that a judgment1 if obtained1 will avail you nothing1 should the debtor elect to take advantage of the exemption allowed him by law4 ,some ,states are very liberal in the amount of property a man may hold which is exempt from execution on a judgment for indebtedness4 ,take for instance1 the ,state of ,north ,dakota1 where the head of a family may hold a homestead and personal property to the value of #f1dej1 and in case the head of the family should die1 and was insured1 the widow and children could hold an additional #e1jjj of life insurance money1 making a total exemption of #aa1dej4 ,delaware is the only ,state that has made a special provision for physicians in any manner4 ,here the statutes provide that a physician's bill shall be a preferred claim for services in the last illness of the patient4 ,in nearly all ,states the exemption runs to the widow and minor children4 ,this is so general a rule that ,i have not included that part of the statutes covering this phase of the law4 ,there is no exemption against money due on mortgages1 for the purchase price of property1 for manual labor or taxes4 ,tennessee also provides that there shall be no exemption on fines for failure to work the roads1 for voting out of the district the voter lives in1 for carrying concealed weapons1 or for giving away or selling intoxicating liquors on election day4 ,rhode ,island exempts wages due or accruing to seamen4 ,pennsylvania does not exempt the homestead1 and personal property to the value of three hundred dollars only is exempt4 ,the chances to collect a bill in ,pennsylvania are better than in any other ,state1 so far as the exemption laws are concerned4 ,oregon exempts one gun or revolver to each white citizen over sixteen years of age1 in addition to the other exemptions4 ,public buildings owned by the ,state or municipality are always exempt4 ,other buildings are not exempt against liens for material or labor used in their construction4 ,the exempt property may be selected by the debtor1 or on his failure to make such selection1 some ,states permit the wife to make the selection1 but in case no selection is made1 the proper officer will make the selection for them4 ,the exemption of estates generally runs until the youngest child is of age4 ,judgments usually expire in twenty years or less if not renewed4 ,hence you will see that the attorney's fees that you will have to pay to secure judgment will generally be worth more to you than the judgment1 if you have to wait so many years to satisfy it4 ,,chapter ,,viii ,,exemption ,,laws4 ,the following extracts from the statutes of the various ,states gives the exemption laws in so far as they apply to the collection of accounts4 ,,alabama4 ,the personal property of any resident of the ,state1 to the amount of one thousand dollars1 to be selected by such resident1 is exempt for any debt contracted since the #acth of ,july1 #ahfh4 ,every homestead1 not over eighty acres of land1 if in the country1 or any lot in a city1 town or village1 to be selected by the owner1 together with the improvements thereon1 not exceeding two thousand dollars in value1 is exempt from execution for any debt contracted since ,july #acth1 #ahfh4 ,the ,statutes provide that the homestead may consist of as much as one hundred and sixty acres not exceeding in value two thousand dollars4 7,code of ,ala4 ,sec4 #dafd et seq47 ,,alaska4 #a4 ,earnings of judgment debtor1 for personal services rendered within sixty days next preceding the levy of execution or attachment1 when necessary for the use of his family1 supported in whole or in part by his labor4 #b4 ,books1 pictures and musical instruments owned by any person1 to the value of seventy-five dollars4 #c4 ,necessary wearing apparel owned by any person for the use of himself or family1 but watches or jewelry exceeding one hundred dollars in value are not exempt4 #d4 ,the tools1 implements1 apparatus1 team1 vehicle1 harness1 or library necessary to enable any person to carry on the trade1 occupation or profession by which such person habitually earns his living1 to the value of five hundred dollars2 also sufficient quantity of food to support such team1 if any1 for six months2 the word team being construed to include not more than one yoke of oxen1 or a span of horses or mules1 or two reindeer1 or six dogs4 ,ten sheep with one year's fleece or the yarn or cloth manufactured therefrom2 two cows and five swine2 household goods1 furniture and utensils to the value of three hundred dollars2 also food sufficient to support such animals1 if any1 for six months1 and provisions actually provided for family use and necessary for the support of such person and family for six months4 #f4 ,the seat or pew occupied by the head of a family or his family in a place of public worship4 ,homestead4 ,the homestead of any family1 or the proceeds thereof1 is exempt4 ,such homestead must be the actual abode of1 and owned by such family or some member thereof1 and not exceed two thousand five hundred dollars in value1 nor exceed one hundred and sixty acres in extent1 if not located in a town or city laid off into blocks or lots1 or if located in any such town or city1 one fourth of an acre4 ,,arizona4 ,personal property to the amount of five hundred dollars to a family only4 ,one half of earnings of debtor for thirty days next previous to levy necessary to family support are exempt4 ,prospector's mining tools and camping outfit are exempt4 ,homestead4 ,twenty-five hundred dollars in one compact2 not necessary to live on the same1 but family must reside in ,territory4 ,,arkansas4 ,the exemption law is contained in the present ,constitution1 and is as follows3 ,section #a4 ,the personal property of any resident of this ,state1 who is not married or the head of a family1 in specific articles to be selected by such resident1 not exceeding in value the sum of two hundred dollars1 in addition to his or her wearing apparel1 shall be exempt from seizure on attachment1 or sale on execution or other process from any court1 issued for the collection of any debts by contract2 provided that no property shall be exempt from execution for debts contracted for the purchase-money therefor1 while in the hands of the vendee4 ,sec4 #b4 ,the personal property of any resident of this ,state1 who is married or the head of a family1 in specific articles to be selected by such resident1 not exceeding in value the sum of five hundred dollars1 in addition to his or her wearing apparel1 and that of his or her family1 shall be exempt from seizure on attachment1 or sale on execution1 or other process from any court1 on debt by contract4 ,sec4 #d4 ,the homestead outside any city1 town or village1 owned and occupied as a residence1 shall consist of not exceeding one hundred and sixty acres of land1 with the improvements thereon1 to be selected by the owner2 provided the same shall not exceed in value the sum of twenty-five hundred dollars1 and in no event shall the homestead be reduced to less than eighty acres1 without regard to value4 ,sec4 #e4 ,the homestead in any city1 town or village1 owned and occupied as a residence1 shall consist of not exceeding one acre of land1 with the improvements thereon1 to be selected by the owner2 provided the same shall not exceed in value the sum of two thousand five hundred dollars1 and in no event shall such homestead be reduced to less than one quarter of an acre of land1 without regard to value4 ,,california4 ,the following property is exempt from execution for any debt1 except it be for the purchase price of such property1 or a debt secured by mortgage1 lien or pledge thereon1 to wit3 #ast4 ,chairs1 tables1 desks and books1 to the value of two hundred dollars4 #b;d4 ,necessary household1 table and kitchen furniture of the debtor1 including one sewing machine1 stoves1 stove pipes and stove furniture1 wearing apparel1 beds1 bedding1 bedsteads1 hanging pictures1 oil paintings and drawings drawn or painted by any member of the family1 family portraits and their necessary frames1 provisions and fuel actually provided for individual or family use sufficient for three months1 and three cows and their sucking calves1 four hogs with their sucking pigs1 and food for such cows and hogs for one month2 also one rifle1 one shotgun1 one piano4 #c;d4 ,farming utensils1 or implements of husbandry1 not exceeding in value one thousand dollars1 of the judgment debtor1 also two oxen1 or two horses1 or two mules and their harness1 one cart or buggy1 and two wagons1 and food for such animals for one month1 also seed grain or vegetables reserved or on hand for planting within six months1 not exceeding two hundred dollars in value2 and seventy-five beehives1 and one horse and vehicle belonging to any person who is maimed or crippled1 the same being necessary to his business4 #dth4 ,tools or implements of a mechanic or artisan1 notary's seal1 office furniture and records2 instruments and library and necessary office furniture of a surgeon1 physician1 surveyor or dentist1 necessary to the exercise of their profession2 books1 professional libraries and office furniture of attorneys1 judges1 ministers of the gospel1 editors1 and school and music teachers1 and all the indexes1 abstracts1 books1 papers1 maps and office furniture of searcher of records necessary to be used in his profession1 and instruments actually used by music teachers in giving instructions2 also typewriters used by owner in making his living1 also one bicycle4 #eth4 ,a miner's cabin1 not exceeding five hundred dollars in value1 also his sluices1 pipes1 tools1 etc41 necessary for his business1 not exceeding five hundred dollars in value1 and two horses1 mules1 or oxen1 and their harness1 and food for the same for one month1 when necessary to be used for any windlass1 derrick1 car1 pump1 or hoisting gear2 and the miner's claim worked by him1 and not exceeding one thousand dollars in value4 #fth4 ,two oxen1 horses1 or mules and their harness and food for one month1 and one cart1 wagon1 dray1 truck1 coupe1 hack1 or carriage for one or two horses1 by the use of which a cartman1 drayman1 truckman1 huckster1 peddler1 hackman1 teamster1 or other laborer habitually earns his living1 and one horse1 vehicle1 and harness used by physician1 surgeon1 constable1 or minister of the gospel in the legitimate practice of his profession or business1 with food for such animal for one month4 #gth4 ,one fishing boat and net not exceeding the value of five hundred dollars1 the property of any fisherman1 by the lawful use of which he earns a livelihood4 #hth4 ,poultry worth not more than seventy-five dollars4 #ith4 ,seamen and seagoing fishermen's wages and earnings not exceeding three hundred dollars4 #ajth4 ,earnings for personal service rendered within thirty days of levy1 if the defendant swears they are necessary for the use of his family residing in the ,state1 and supported in whole or in part by his labor2 but only one-half of such earnings are exempt where the debt is for necessaries of life4 #aath4 ,shares in homestead associations1 not exceeding in value one thousand dollars1 if the debtor has not a homestead selected4 #abth4 ,nautical instruments and wearing apparel of any master1 officer1 or seamen of any vessel4 #acth4 ,all moneys1 benefits1 etc41 accruing or growing out of any life insurance1 if the annual premiums paid do not exceed five hundred dollars2 if they exceed that sum1 a like exemption exists1 which shall bear the same proportion to the money1 immunities1 etc41 so accruing or growing out of such insurance that five hundred dollars bears to the whole annual premiums paid4 #adth4 ,all fire-engines1 etc4 #aeth4 ,all firearms1 etc41 required by law to be kept by any person1 and one gun selected by the debtor4 #agth4 ,all material not exceeding one thousand dollars purchased in good faith for use in or about to be applied in good faith to the construction1 alteration1 or repair of any building1 mining claim1 or other improvement entered upon a judgment recovered1 for its price or foreclosure of a mortgage thereon4 #ahth4 ,all machinery1 etc41 necessary for constructing surface or artesian wells to the value of one thousand dollars4 #aith4 ,shares of stock in any building and loan association to one thousand dollars4 #bjth4 ,moneys derived from ,united ,states pension4 ,,colorado4 ,every householder1 being the head of a family1 is entitled to a homestead of the value of two thousand dollars exempt from execution and attachment while such homestead is occupied by the owner or his or her family4 ,entry of homestead is made by writing the word homestead on the margin of the recorded title thereof1 attested by the recorder with date of entry4 ,there is also exempt from execution and attachment the necessary wearing apparel of every person1 and the following property of a person being the head of a family3 ,family pictures1 school-books1 and library1 a seat or pew in any house of public worship1 the sites of burial for the dead1 all wearing apparel of the debtor and his family1 all beds1 bedsteads1 and bedding1 kept and used for the debtor and his family1 all stoves and appendages kept for the use of the debtor or his family1 all cooking utensils1 and all the household furniture not above enumerated not exceeding one hundred dollars in value1 the provisions for the debtor and his family necessary for six months1 and fuel necessary for six months4 ,the tools and implements or stock in trade of any mechanic1 miner1 or other person not exceeding two hundred dollars in value1 the library and implements of any professional man not exceeding three hundred dollars in value1 one bicycle1 one sewing-machine1 working animals of any person to the value of two hundred dollars1 one cow and calf1 ten sheep1 and food for same for six months1 one farm wagon1 cart or dray1 one plow1 one harrow1 and other farming implements1 including harness and tackle for team not exceeding fifty dollars in value4 ,if the head of the family dies the family is entitled to the exemption4 ,there is also exemption from levy on execution1 attachment1 or garnishment sixty per cent4 of the amount1 due at the time of levy1 of wages or earnings of the head of the family or his wife when such family resides in the ,state and is dependent in whole or in part1 upon such earnings1 and all wages are exempt when they do not exceed five dollars per week4 ,pension money received from the ,united ,states is exempt from all legal process1 whether in the actual possession of the pensioner1 deposited or loaned1 and whether the pensioner be the head of a family or not4 ,this exemption runs to the pensioner's wife and children1 or either of them1 in case of his death or absconding4 ,,connecticut4 ,the following property shall be exempted and not liable to be taken by warrant or execution1 namely3 of the property of any person1 his necessary apparel and bedding1 and household furniture necessary for supporting life1 arms1 militia equipments1 uniforms1 or musical instruments owned by any member of the militia for military purposes1 any pension moneys received from the ,united ,states while in the hands of the pensioner1 implements of the debtor's trade1 his library not exceeding five hundred dollars in value1 one cow not exceeding one hundred and fifty dollars in value1 any number of sheep not exceeding ten nor exceeding in all one hundred and fifty dollars in value1 two swine and two hundred pounds of pork1 and poultry not exceeding twenty-five dollars in value2 of the property of any one person having a wife or family1 twenty-five bushels of charcoal1 two tons of other coal1 two hundred pounds of wheat flour1 two cord of wood1 two tons of hay1 two hundred pounds each of beef and fish1 five bushels each of potatoes and turnips1 ten bushels each of ,indian corn and rye1 and the meal or flour manufactured therefrom1 twenty pounds each of wool and flax1 or the yarn or cloth made therefrom2 the horse of any practicing physician or surgeon of a value not exceeding two hundred dollars1 and his saddle1 bridle1 harness1 buggy1 and bicycle2 one boat owned by one person and used by him in the business of planting or taking oyster or clams1 or taking shad1 together with the sails1 tackle1 rigging and implements used in said business not exceeding in value two hundred dollars2 one sewing-machine1 being the property of any one person using it or having a family2 one pew1 being the property of any person having a family1 who ordinarily occupy it2 and lots in any burying ground appropriated by its proprietors for the burial of any person or family4 ,so much of any debt which has accrued by reason of the personal services of the debtor as shall not exceed twenty-five dollars1 including wages due for the personal services of any minor child under the age of twenty-one years1 shall be exempted and not liable to be taken by foreign attachment or execution4 ,any person owning and actually occupying any dwelling and real estate can file for record1 in same manner as a deed1 a declaration that he occupies and intends to occupy said dwelling and real estate as a homestead1 and from the filing such declaration said property1 to the value of one thousand dollars1 shall be exempt from execution so long as actually occupied by the owner as a dwelling1 and only the excess in value above one thousand dollars can be set off4 7,gen4 ,stat4 #aijb ,sec4 #djfe1 #djff47 ,money due on insurance losses for exempt property1 whether real or personal1 are also exempt4 ,,delaware4 ,family ,bible1 school-books1 and family pictures1 seat or pew in church1 lot in burial ground1 all wearing apparel of debtor and family1 and in addition to above tools1 implements1 and fixtures necessary to carry on a trade or business1 not exceeding seventy-five dollars in ,new ,castle and ,sussex ,counties and fifty dollars in ,kent ,county4 ,there is exempted to the ,head of a family1 in addition to above1 other personal property 7goods and chattels of a merchantable character bought to be sold and trafficked in by the debtor in the transaction of his or her business or occupation1 excepted7 not exceeding two hundred dollars in ,new ,castle ,county1 and not exceeding one hundred and fifty dollars in ,kent ,county1 and in the latter county consisting of household goods only2 but there is no such additional exemption in ,sussex ,county1 and there is no such additional exemption when such exemption would prevent the collection of a debt due or growing due for labor or services 7other than professional services7 rendered by any clerk1 mechanic1 or other employee of the debtor4 ,sewing-machines owned and used by seamstresses or private families are exempt from execution on attachment process1 and also from distress for rent4 ,in ,new ,castle ,county ninety per cent4 of all wages are exempt from execution attachment1 except for board1 lodging1 or both1 not exceeding fifty dollars4 ,widows in all cases shall have the benefit of the same exemption out of the husband's goods that the husband would have had if living4 ,funeral expenses1 reasonable bills for medicine and medical attendance1 nursing1 and necessaries of last sickness1 are paid out of personality of a deceased person before there is any application to the execution4 ,above exemptions extended to distress for rent4 ,,district ,,of ,,columbia4 ,the following property is exempt from execution3 ,wearing apparel belonging to all persons and to all heads of families being householders2 beds1 bedding1 household furniture1 stoves1 cooking utensils1 etc41 not exceeding three hundred dollars in value2 provisions for three months' support1 whether provided or growing2 fuel for three months2 mechanics' tools and implements of professional man or artist to value of three hundred dollars2 one horse1 one mule1 or yoke of oxen2 one cart1 one wagon or dray1 and harness for such team2 farming utensils1 with food for such team for three months1 and if the debtor be a farmer1 any other farming tools of value of one hundred dollars2 all family pictures and all family library not exceeding in value four hundred dollars2 one cow1 one swine1 six sheep4 7,sec4 #aaje1 ,code47 ,the earnings1 not to exceed one hundred dollars each month1 of all actual residents of the ,district of ,columbia1 and who are married persons or who have to provide for the support of a family in the ,district1 for two months next proceeding the issuing of any writ or process from any court or justice of the peace1 or other officer of and in the ,district against them1 shall be exempt from attachment1 levy1 seizure1 or sale upon such process2 and the same shall not be seized1 levied on1 or taken1 reached or sold by attachment1 execution1 or in any other process or proceedings of any court1 judge1 justice of the peace1 or other officer of and in the ,district4 7,sec4 #aajg1 ,code47 ,,florida4 ,article ,x of the constitution of #ahhe provides as follows3 ,sec4 #a4 ,a homestead to the extent of one hundred and sixty acres of land1 or the half of one acre within the limits of any incorporated city or town1 owned by the head of the family residing in this ,state1 together with one thousand dollars' worth of personal property1 and the improvements on the real estate1 shall be exempt from forced sale under process of any court1 and the real estate shall not be alienable without the joint consent of husband and wife1 when that relation exists4 ,but no property shall be exempt from sale for taxes or assessments or for payment of obligations contracted for the purchase of said property1 or for the erection or repair of improvements on the real estate exempted1 or for house1 field or other labor performed on the same4 ,the exemption herein provided for in a city or town shall not extend to more improvements or buildings than the residence and business house of the owner2 and no judgment or decree or execution shall be a lien upon exempted property except as provided in this article4 ,sec4 #b4 ,the exemptions provided for in section one shall insure to the widow and heirs of the party entitled to such exemption1 and shall apply to all debts1 except as specified in said section4 ,sec4 #c4 ,the exemptions provided for in the constitution of this ,state adopted in #ahfh shall apply as to all debts contracted and judgments rendered since the adoption thereof and prior to the adoption of this constitution4 ,sec4 #d4 ,nothing in this article shall be construed to prevent the holder of a homestead from alienating his or her homestead so exempted by deed or mortgage duly executed by himself or herself1 and by husband and wife1 if such relation exists1 nor1 if the holder be without children1 to prevent him or her from disposing of his or her homestead by will1 in a manner prescribed by law4 ,sec4 #e4 ,no homestead provided for in ,section #a shall be reduced in area on account of its being subsequently included within the limits of an incorporated city or town1 without the consent of the owner4 ,,georgia4 ,the ,constitution of #ahgg provided3 ,there shall be exempt from levy and sale1 by virtue of any process whatever1 under the laws of this ,state1 except as hereinafter excepted1 of the property of every head of a family1 or guardian1 or trustee of a family of minor children or every aged or infirm person having the care and support of dependant female of any age1 who is not the head of a family1 realty or personalty or both1 to the value in the aggregate of sixteen hundred dollars4 ,no court or ministerial officer in this ,state shall ever have jurisdiction or authority to enforce any judgment1 execution1 or decree against the property set apart for such purpose1 including such improvements as may be made thereon from time to time1 except for taxes1 for the purchase-money of the same1 for labor done thereon1 for material furnished therefor1 or for the removal of incumbrances thereon4 ,the debtor shall have the power to waive or renounce in writing his right to this benefit of exemption except as to wearing apparel and not exceeding three hundred dollars' worth of household and kitchen furniture and provision1 to be selected by himself and his wife1 if any1 and he shall not1 after it is set apart1 alienate or incumber the property so exempted1 but it may be sold by the debtor and his wife1 if any1 jointly1 with the sanction of the judge of the superior court of the county where the debtor resides or the land is situated1 the proceeds to be reinvested upon the same uses4 ,the act of #ahgh carries out these provisions4 ,,hawaii4 ,the following property is exempt from execution1 attachment1 distress1 and forced sale3 #ast4 ,all necessary household1 table1 and kitchen furniture1 one sewing-machine1 crockery1 tin and plated ware1 calabashes and mats1 family portraits and photographs and their necessary frames1 wearing apparel1 bedding1 household linen1 and provision for household use for three months4 #bnd4 ,farming implements and utensils not exceeding five hundred dollars in value2 two horses or mules1 and their harness and their food for one month2 one horse1 one set of single harness1 and one vehicle of any person who is maimed or crippled4 #c;d4 ,the tools or implements of a mechanic or artisan necessary to carry on his trade2 the instruments and chest of a physician1 dentist1 or surveyor necessary to the exercise of his profession1 together with his necessary office furniture and fixture2 the necessary office furniture1 fixtures1 blanks1 stationery1 and office equipment of attorneys and judges1 ministers of the gospel and rabbis2 the typewriter1 one desk1 and six chairs of a stenographer or typewriter2 the musical instruments of every teacher of music1 used in giving instruction2 one bicycle used in carrying on of one's business or transporting him to and from his place of business2 the fishing nets1 dips and seines1 and the boats with their tackle and equipment1 of every fisherman4 #dth4 ,the horses or mules and their harness1 one cart1 wagon1 or stage1 one dray or truck1 one coupe1 hack or carriage for one or two horses1 by use of which a cartman1 drayman1 truckster1 huckster1 peddler1 hackman1 teamster1 or other laborer earns his living2 and one horse and harness and one vehicle used by a physician1 surgeon1 or minister of the gospel in the practice or exercise of his profession4 #eth4 ,the nautical instruments and wearing apparel of every master1 officer1 and seaman of any steamship or other vessel4 #fth4 ,all books1 papers1 pamphlets1 and manuscripts1 together with book-cases1 shelvings1 cabinets1 and other devices for holding the same except those kept for sale by any dealer therein4 #gth4 ,one-half of the wages due every laborer or person working for wages4 #hth4 ,the proceeds of insurance on1 and the proceeds of sale of the property aforesaid for the period of three months after such proceeds are received4 7,sec4 #ahca47 ,there is also exempt from execution the family ,bible1 family pictures1 school-books1 two swine or six goats1 and all necessary fish1 meat1 flour1 and vegetables1 and one piece of land where kalo or any other vegetable is growing1 not to exceed one-half acre actually cultivated for family use1 also a house lot not to exceed one-quarter acre1 and the dwelling and other buildings thereon1 provided the value thereof shall not exceed two hundred and fifty dollars4 ,but this exemption does not apply as against mechanics and material-men having liens for labor or material4 7,sec4 #ahcj47 ,,indiana4 ,every resident householder1 or resident married woman1 may claim as exempt from execution against them respectively his or her property1 real or personal1 to the amount of six hundred dollars1 on any debt founded on contract made since ,may #ca1 #ahgi4 ,this right exists while in transitu from one residence to another within the ,state1 and may be claimed by the wife for the husband in his absence4 ,the property of a resident householder1 exempt from sale on execution1 may be real or personal1 or both4 ,it must be properly appraised under direction of the officer1 after receiving from the debtor a sworn schedule of all his property1 credits1 effects1 etc4 ,the statute makes ample provisions for the sale of real property where it is alone1 or in part1 claimed under the exemption law1 in case its value exceeds six hundred dollars4 ,the exemption does not effect liens for labor1 purchase-money1 or realty1 or taxes in any event4 ,,iowa4 ,to an unmarried person not the head of a family and to non-resident there is exempt from execution their own ordinary wearing apparel and trunks necessary to contain the same4 ,if the debtor is a resident of this ,state1 and is the head of a family1 he may hold exempt from execution the following property3 ,wearing apparel of himself and family kept for actual use and suitable for their condition1 and the trunks to contain the same2 one musket1 or rifle1 and shot-gun2 all private libraries1 family ,bibles1 portraits1 pictures1 musical instruments1 and paintings1 not kept for sale2 a pew in church2 a lot in burying ground1 not to exceed one acre2 two cows and two calves2 fifty sheep and the wool therefrom1 and the materials manufactured from such wool2 six stands of bees1 five hogs1 and all pigs under six months2 poultry to the value of fifty dollars2 the necessary food for all animals exempt from execution for six months3 one bedstead and the necessary bedding for every two in the family2 all cloth manufactured by the defendant not exceeding one hundred yards2 household and kitchen furniture not exceeding two hundred dollars in value2 all spinning-wheels and looms1 one sewing-machine1 and other instruments of domestic labor kept for actual use2 the necessary provisions and fuel for the use of the family for six months2 the proper tools1 instruments1 or books of the debtor1 if a farmer1 mechanic1 surveyor1 clergyman1 lawyer1 physician1 teacher1 or professor2 the horse1 or team consisting of not more than two horses or mules1 or two yoke of cattle1 and the wagon with the proper harness tackle1 by the use of which the debtor1 if a physician1 public officer1 farmer1 teamster1 or other laborer1 habitually earns his living1 otherwise one horse2 and to the debtor1 if a printer1 there is also exempt a printing press and the type1 furniture1 and material necessary for the use of such printing press and a newspaper office connected therewith1 not to exceed in value twelve hundred dollars4 ,but if the debtor being the head of family1 has started to leave the ,state1 he will have exempt only the ordinary wearing apparel of himself and family1 and seventy-five dollars' worth of property in addition1 to be selected by himself4 ,but no exemptions shall extend to property against an execution issued for the purchase-money thereof4 ,the earnings of a debtor1 if a resident1 and head of a family1 for his personal services at any time within ninety days next preceding the levy1 are also exempt4 ,if a debtor is a seamstress1 one sewing-machine shall be exempt from execution and attachment4 ,the homestead of every head of a family is exempt from judicial sale4 ,it may be sold on execution for debts contracted prior to the purchase of such homestead2 or for those created by written contract1 expressly stipulating that it is liable therefor4 ,if within a city or town plat it must not exceed one-half acre in extent1 and if without1 it must not embrace in the aggregate more than forty acres2 and in each case embraces all the buildings and improvements thereon without limitation as to value4 ,upon the death of either husband or wife1 the survivor may continue to possess and occupy the whole homestead4 ,if there is no survivor and no will1 the homestead descends to the issue of either husband or wife1 and is to be held exempt from any antecedent debts of their parents or their own4 ,money received as a pension from the ,united ,states is exempt1 whether pensioner is a head of a family or not1 and a homestead purchased with such pension money is exempt from all debts whether contracted prior or subsequent to such purchase4 ,the avails of all policies of insurance on the life of any individual payable to his surviving widow shall be exempt from liabilities for all debts of such beneficiary contracted prior to the death of the assured1 the total exemption for any one person not exceeding five thousand dollars4 ,,kansas4 ,the ,constitution provided that a homestead to the extent of one hundred and sixty acres of farming land1 or of one acre within the limits of an incorporated town or city1 occupied as a residence by the family of the owner1 together with all the improvements on the same1 shall be exempted from forced sale under any process of law1 and shall not be alienated without the joint consent of husband and wife1 when that relation existed4 ,by statute1 each resident1 being the head of a family1 is entitled to have exempt from seizure and sale1 upon any judicial process1 the family books and musical instruments1 a seat or pew in church and a lot in burial ground1 all wearing apparel1 bedding1 bedstead1 stoves and cooking utensils used by the family1 one sewing-machine1 all implements of industry1 five hundred dollars' worth of other household furniture1 two cows1 ten hogs1 one yoke of oxen1 and one horse or mule 7or1 in lieu of one yoke of oxen and one horse or mule1 a span of horses or mules27 twenty sheep and the wool from same2 the necessary food for the stock above described for one year1 either provided or growing2 one wagon1 cart or dray2 two plows1 one drag1 and other farming utensils including harness and tackle for team1 not exceeding in value three hundred dollars2 provisions and fuel for the support and use of the family1 for one year2 the necessary tools and implements of any mechanic1 minor1 or other person1 used and kept for the purpose of carrying on his trade or business1 and in addition thereto stock in trade not exceeding four hundred dollars in value1 and the library1 implements1 and office furniture of any professional man4 ,a resident1 not being the head of a family1 has exempt his wearing apparel1 church pew1 burial lot1 necessary tools and implements used in his trade or business1 stock in trade not exceeding four hundred dollars2 and1 if a professional man1 his library1 implements1 and office furniture4 7,sec4 #cfej47 ,the earnings of a debtor resident of the ,state for three months are exempt when it shall be made to appear that the same are necessary for the maintenance of a family supported wholly or partly by his labor4 7,sec4 #fabg47 ,so1 also1 the money received by any debtor as pensioner of the ,united ,states within three months preceeding the issuing of execution1 attachment1 or garnishment process must be released when it is shown in like manner that said money is necessary for the maintenance of a family supported wholly or in part by such pension4 7,sec4 #cfec47 ,,idaho4 ,execution issue on judgment at any time within five years4 ,homestead1 after the same has been declared and recorded is exempt4 ,where the selection is made by the husband1 or1 in case of his failure1 by the wife or other head of the family1 such homestead may be selected to the value of five thousand dollars1 and to the value of one thousand dollars by any other person4 ,the declaration1 properly acknowledged and recorded1 is prior to all claims against the property which were not existing liens at the time the declaration of homestead was recorded4 ,in addition thereto are the following exemptions from execution3 #ast4 ,chairs1 tables1 desks1 and books to the value of two hundred dollars4 #b;d4 ,necessary household furniture to the value of three hundred dollars1 wearing apparel1 paintings1 drawings1 pictures1 etc41 and provisions provided for individual or family use1 sufficient for six months1 two cows and two hogs with their increase4 #c;d4 ,farmer's utensils to the value of three hundred dollars1 four horses1 four oxen or four mules1 with harnesses1 cart or wagon1 and food for the same for six months2 waterright1 not exceeding one hundred and sixty inches of water1 for the irrigation of lands annually cultivated1 and crop or crops growing or grown on fifty acres of land leased1 owned1 or possessed by claimant4 #dth4 ,necessary tools or implements of a mechanic or artisan of the value of five hundred dollars2 notary's seal and records2 necessary instrument for use of surgeon1 physician1 surveyor1 and dentist1 with their libraries2 professional libraries and office furniture of attorneys1 counsellors1 and judges2 and the libraries of clergymen4 #eth4 ,cabin or dwelling of a miner1 of the value of five hundred dollars1 also his sluices1 pipes1 hose1 and other necessary tools and machinery of the value of two hundred dollars3 one saddle horse1 and one pack horse1 together with their saddles and equipments1 belonging to a miner actually engaged in prospecting1 of the value of two hundred and fifty dollars4 #fth4 ,the team1 wagon1 or cart and harnesses of teamster or other laborer2 a horse1 harness and vehicle used by physician1 surgeon1 or clergyman1 with food for all such animals for six months4 #gth4 ,earnings of judgment debtor1 if necessary for his family1 for services rendered within the thirty days next proceeding levy of execution where his family is residing in the ,state4 #hth4 ,shares held by a member of a homestead association1 or building or loan association1 duly incorporated under the laws of the ,state1 where the person holding the shares is not the owner of the homestead1 under the laws of the ,state4 #ith4 ,life insurance in an amount represented by an annual premium not exceeding two hundred and fifty dollars4 #ajth4 ,engines1 apparatus1 and uniforms of a fire company or department organized under any law of the ,state1 #aath4 ,arms1 uniforms1 and accoutrements required by law to be kept4 ,,illinois4 ,,homestead4 7,hurd1 #ajfg47 ,the farm or lot of land and buildings thereon of every householder having a family1 occupied as a residence1 to the extent in value of one thousand dollars is exempt4 ,the exemption continues after the death of the householder to the surviving husband or wife so long as he or she occupies the homestead1 and to the children until the youngest becomes twenty-one years of age4 ,but such property is subject to taxes and debts incurred for its purchase or improvement4 ,in case the premises are worth more than one thousand dollars1 and can be divided without injury1 a portion thereof1 including the dwelling house1 of the value of one thousand dollars1 is set off1 and the remainder is subject to execution and sale4 ,if the premises cannot be divided the property is valued by appraisers1 and the debtor may pay the surplus over one thousand dollars2 otherwise the property may be sold1 and the officer having the execution pays one thousand dollars to the debtor and the remainder is applied in satisfaction of the creditor's claim4 ,substantially the same thing can be done by a court of chancery in a proceeding to foreclose a lien4 ,insurance money in case of fire1 is exempt to the same extent as the property insured4 ,upon a conveyance of the homestead the exemption continues to the grantee to the same extent4 ,the proceeds from such sale1 not over one thousand dollars1 are exempt for one year1 and may be invested in another homestead4 ,the homestead right of exemption by abandonment1 may be extinguished by a conveyance by both husband and wife1 properly acknowledged by abandonment1 or1 in case of right in children1 by order of court of competent jurisdiction4 ,,personal ,,property4--,the following personal property is exempt3 #ast4 ,the necessary wearing apparel1 ,bibles1 school-books1 and family pictures4 #b;d4 ,one hundred dollars' worth of other property to be selected by the debtor1 and in addition1 when the debtor is the head of a family and resides with the same1 three hundred dollars' worth of other property to be selected by the debtor1 provided the exemption shall not be allowed from any money1 salary1 or wages due the debtor4 ,when the head of a family dies1 deserts1 or does not live with the same1 the exemption continues to the family4 ,no personal property is exempt from process under a judgment for a debt for the wages of a laborer or servant4 ,exemptions cannot be claimed out of partnership property4 7#cg ,ill4 ,app4 #dhi2 #ch ,ill4 ,app4 #bfi47 ,when a debtor desires to claim exemptions he must1 within ten days after service of process and notice1 schedule under oath all his personal property of every kind1 including money in hand and debts due or owing him4 ,property not so scheduled is subject to process4 ,appraisers are then appointed by the officer having the writ1 who place a fair value on each article4 ,the debtor may select articles so appraised of a total value not exceeding the amount of the exemption allowed1 the remainder being sold by the officer in satisfaction of the debt4 ,money or benefits received from life or accident insurance companies1 organized under the ,act of ,july #a1 #ahic1 are exempt4 7,hurd1 #abfb47 ,the wages of a wage earner1 being the head of a family1 and residing with the same1 are exempt from garnishment to the amount of fifteen dollars per week4 7,hurd1 #aaeb47 ,it is made a misdemeanor to send a claim to another ,state for collection out of the earnings of the debtor by garnishment or other proceedings when the debtor is a resident and the creditor1 debtor1 and garnishee are all within the jurisdiction of the courts of ,illinois1 with intent to deprive the debtor of his rights under the exemption laws of this ,state2 or to transfer for such purpose a claim against a citizen of ,illinois4 ,the penalty is not less than ten dollars nor more than fifty dollars4 ,a non-resident1 as to wages earned and payable outside of this ,state1 is allowed here the same exemption he would be entitled to in the ,state of his residence4 7,hurd1 #aaee47 ,wages earned and payable outside of this ,state are exempt from attachment or garnishment1 where the cause of action arose out of the ,state1 unless the defendant in the attachment or garnishment suit is personally served with process4 ,if the defendant be not served personally1 the court or justice of the peace issuing the writ must dismiss the suit at the cost of the plaintiff4 7,hurd1 #aaee47 ,the law of exemptions applies to cases of distress for rent1 except as to crops growing on the premises4 7,hurd1 #acdc47 ,,kentucky4 ,the following personal property shall be exempt from execution1 attachment1 distress1 or fee bill against a person with a family residence in this ,state3 two work beasts1 or one work beast and one yoke of oxen1 two plows and gear1 one wagon and one set of gear1 or cart or dray1 three hoes1 one spade1 one shovel1 two cows and calves2 beds1 bedding1 and furniture sufficient for family use2 one loom and spinning-wheel and pair of cards2 all the spun yarn and manufactured cloth manufactured by the family1 necessary for family use2 carpeting for all family rooms in use2 one cooking-stove and all cooking utensils1 not to exceed twenty-five dollars in value2 one table1 all books1 not to exceed fifty dollars in value1 two saddles and their appendages2 two bridles1 six chairs1 or so many as shall not exceed ten dollars in value1 one cradle2 all the poultry on hand2 ten head of sheep1 not to exceed two dollars and fifty cents in value for each sheep2 all wearing apparel2 sufficient provisions including bread-stuffs and animal food to sustain the family one year2 provender suitable for live stock1 if there is any live stock1 not to exceed seventy dollars in value2 if none1 then other property not to exceed seventy dollars in value in lieu thereof2 all washing apparatus not to exceed fifty dollars in value2 one sewing-machine and all family portraits and pictures4 ,and also on all debts and liabilities created after the first day of ,june1 #ahff1 so much land1 including the dwelling-house and appurtenances owned by a debtor who is a bona fide housekeeper with a family resident in ,kentucky1 and living on or claiming the land as a homestead1 as shall not exceed in value one thousand dollars2 and on all liabilities1 the libraries of preachers1 the professional libraries of lawyers1 physicians1 and surgeons1 and their instruments1 to the amount of five hundred dollars1 and tools1 not exceeding one hundred dollars in value1 of a mechanic4 ,ninety per cent4 of wages or salaries of persons earning seventy-five dollars per month or less is exempt1 the remaining ten per cent1 being subject to debts4 ,as to persons earning more than seventy-five dollars per month the law exempts sixty-seven dollars and fifty cents per month and holds the balance subject to debts4 ,,louisiana4 ,homesteads are exempt from seizure4 ,they consist of not exceeding one hundred and sixty acres of land1 buildings1 and appurtenances1 whether rural or urban1 bona fidely occupied by the head of a family1 or persons dependent upon him or her for support1 and exist without registration4 ,the homestead also includes certain farm implements and animals1 together with a certain quantity of fodder1 corn1 etc4 ,homestead cannot exceed two thousand dollars in value4 ,if so1 the beneficiary shall be entitled to that amount only in case of a sale of the homestead under legal process4 ,no husband shall have the benefit of a homestead whose wife owns or is in actual possession of property to the amount of two thousand dollars4 ,the benefit of this exemption may be claimed by the surviving spouse or minor children of a deceased beneficiary4 ,laborer's wages1 the clothes belonging to the debtor or his wife1 his bed1 the beds of his family1 his arms and military accoutrements1 the tools and instruments necessary for the exercise of the trade or profession by which he gains a living1 the rights of personal servitude1 use1 and habitation1 the usufruct to the estate of a minor child1 the income of dotal property1 the books and sewing-machine necessary for the exercise of one's calling1 trade1 or profession by which the owner makes a living1 the salary of an officer1 cooking-stove and utensils1 plates1 forks1 etc41 dining-table1 chairs1 wash-tubs1 smoothing-irons and ironing furnaces1 family portraits and musical instruments played on by any member of the family1 are exempt from seizure4 ,whenever the widow or minor children of a deceased person are left in necessitous circumstances1 they shall be entitled to demand and receive from the succession of their deceased husband or father a sum1 which1 added to the amount of property owned by them or either of them in their own right1 will make up the sum of one thousand dollars1 which shall be paid in preference to all other debts1 except vendor's privilege and expenses incurred in selling the property4 ,,maine4 ,the following personal property is exempt from attachment and levy3 ,wearing apparel1 household furniture necessary for himself1 wife1 and children not exceeding one hundred dollars in value1 and one bedstead1 bed and bedding for each two members1 family portraits1 ,bibles1 school-books in actual use2 copy of ,state statutes1 library worth one hundred and fifty dollars1 pew in use1 one cooking and all iron-warming stoves1 charcoal1 twelve cords of wood at home for use2 five tons of anthracite and fifty bushels of bituminous coal1 ten dollars' worth of lumber1 wood or bark1 all produce till harvested1 one barrel flour1 thirty bushels of corn1 grain1 all potatoes raised or bought and necessary for debtor or his family1 half an acre of flax and manufactures therefrom for use of himself or family1 tools of trade1 fifty dollars' worth of materials and stock procured and necessary for trade or business and intended to be used in same1 sewing-machine worth one hundred dollars1 one pair of working cattle1 or one pair of horses or mules worth three hundred dollars1 and hay to keep them through the winter1 one harness worth twenty dollars for each horse or mule2 a horse sled or ox sled1 two swine1 one cow1 and a heifer under three years1 or two cows if no oxen1 horse1 or mule1 ten sheep with their wool and lambs until one year old1 hay sufficient to keep them through the winter1 fifty dollars' worth of domestic fowl1 one plow1 one cart or truck wagon or one express wagon1 one harrow1 one yoke with bows1 ring1 and staple1 two chains1 one ox sled1 one mowing machine1 one boat of two tons employed in fishing and owned exclusively by an inhabitant of the ,state1 life and accident policies except excess of annual cash premiums for two years above one hundred and fifty dollars4 ,also two shares in loan and building associations1 also the receipts of certain agricultural societies until their expenses1 purses1 and premiums are paid1 provided the same are paid within three months from close of fair4 ,,real ,,estate4--,lot of land and buildings worth five hundred dollars1 if owner files required certificate in registry of deeds1 is exempt as a homestead from all attachments except for liens of mechanics and material men2 also one cemetery lot4 ,,maryland4 ,in ,maryland the sheriff cannot take in execution wearing apparel1 mechanical text-books1 or books of professional men1 or mechanical or professional men's tools 7except books and tools kept for sale74 ,and1 except under executions issued upon judgments for seduction or breach of promise of marriage1 he must also leave one hundred dollars' worth of other property1 to be selected by the defendant1 or1 if one hundred dollars' worth cannot be conveniently set aside1 pay him one hundred dollars out of the proceeds of sale4 ,also money payable in the nature of insurance for accident1 death1 etc4 ,,massachusetts4 ,the following exemptions of personal property are allowed3 #ast4 ,the necessary wearing apparel of the debtor and his wife and children1 and household necessaries to a limited amount4 #b;d4 ,other household furniture necessary for him and his family1 not exceeding three hundred dollars in value4 #c;d4 ,the ,bibles1 school-books1 and library used by him or his family1 not exceeding fifty dollars in value4 #dth4 ,one cow1 six sheep1 one swine1 and two tons of hay4 #eth4 ,the tools1 implements1 and fixtures necessary for carrying on his trade or business1 not exceeding one hundred dollars in value4 #fth4 ,materials and stock for carrying on his trade or business1 and intended to be used or wrought therein1 not exceeding one hundred dollars in value4 #gth4 ,the provisions necessary for the use of the family1 not exceeding fifty dollars in value4 #hth4 ,one pew occupied by him or his family in a house of public worship2 but this does not prevent the sale of a pew for the non-payment of a tax legally laid thereon4 #ith4 ,the boat1 fishing tackle1 and nets of fishermen1 actually used by them in the prosecution of their business1 to the value of one hundred dollars4 #ajth4 ,the uniform of an officer or soldier in the militia1 and the arms and accoutrements required by law to be kept by him4 #aath4 ,rights of burial and tombs while in use as repositories for the dead4 #abth4 ,one sewing-machine1 not exceeding one hundred dollars in value in actual use by the debtor or by his family4 #acth4 ,shares in co-operative associations formed under the ,revised ,laws1 ch4 #aaj1 not exceeding in value twenty dollars in the aggregate4 ,every householder having a family is entitled to an estate or homestead to the value of eight hundred dollars exempt from levy on execution1 if proper steps have been taken1 by deed recorded in the registry of deed of the county where it is situated1 to declare it a homestead4 ,,michigan4 ,the laws of this ,state exempt from sale on execution to every householder a homestead not exceeding forty acres of land and the house thereon1 if in the country1 or a house and lot in any city or village not exceeding in value fifteen hundred dollars4 ,a married householder cannot sell or encumber such homestead without the consent of his wife4 ,of personal property1 the laws exempt from sale on execution various articles1 such as seats in churches1 cemeteries1 tombs1 and right of burial1 all arms and accoutrements1 and all wearing apparel of every person and his family1 the library and school-books of every individual and family1 not exceeding one hundred and fifty dollars1 and all family pictures4 ,to each householder1 ten sheep and their fleeces1 two cows1 five swine1 and provisions and fuel sufficient to keep such householder and family six months4 ,to each householder all household goods1 furniture1 and utensils1 not exceeding two hundred and fifty dollars in value4 ,the tools1 implements1 material stock1 apparatus1 team 7either one yoke of oxen1 a horse or pair of horses1 as the case may be71 vehicle1 horses harness1 or other things to enable any person to carry on the profession1 trade1 occupation1 or business in which he is wholly or principally engaged1 not exceeding in value two hundred and fifty dollars1 and also one sewing-machine2 and a sufficient quantity of hay1 grain1 feed1 etc41 to keep the animals enumerated for six months4 ,only household goods1 library1 pictures1 rights in cemeteries1 and one cow and provisions1 and fuel for one month1 not exceeding five hundred dollars in value1 are exempt from execution issued on judgment for labor4 ,no lien can be created by mortgage or otherwise on any of the above property1 except on profession1 etc41 without the consent of the wife1 if he have one1 by signing such mortgage or lien4 ,if a person entitled to the benefit of a homestead shall die1 his widow or minor children shall have the same benefit during the time they continue to occupy the same4 ,,minnesota4 ,family ,bible1 family pictures1 school-books or library1 and musical instruments for use of family2 seat or pew in any house or place of public worship2 a lot in a burial ground2 all wearing apparel of debtor and family1 all beds1 bedding1 and bedsteads kept and used by debtor and used by debtor and his family2 all stoves and appendages put up or kept for use of debtor and family2 all cooking utensils1 and all other household furniture not herein enumerated1 not exceeding five hundred dollars in value4 ,as to debtors residing in this ,state only3 ,three cows2 ten swine2 one yoke of oxen and a horse1 or in lieu thereof a span of horses or mules2 twenty sheep and the wool from same2 necessary food for such stock for one year1 provided or growing1 or both2 one wagon1 cart1 or dray1 one sleigh1 two plows1 one drag1 and other farming utensils1 including tackle for teams1 not exceeding three hundred dollars in value2 provisions for debtor and family for one year's support1 provided or growing1 or both1 and one year's fuel2 the tools and instruments of a mechanic1 miner1 or other person1 used and kept for the purpose of carrying on his trade1 and stock in trade not exceeding four hundred dollars2 library and implements of a professional man2 the presses1 stones1 type1 cases1 and other tools and implements used by any person or co-partnership1 in printing or publishing a newspaper1 not to exceed two thousand dollars in value1 together with stock in trade not exceeding four hundred dollars in value2 one watch1 one sewing-machine1 one bicycle1 one typewriter2 necessary seed for personal use of debtor for one season not exceeding one hundred bushels of wheat1 one hundred bushels barley1 one hundred bushels potatoes1 one hundred bushels oats1 one hundred bushels flax1 and ten bushels corn1 and binding material for use in harvesting crop raised from such seed2 the library and apparatus of and used by any public college or school2 moneys from insurance on exempt property2 life insurance not exceeding ten thousand dollars payable to wife or child on life of deceased husband or father2 moneys or benefits payable by a police or fire department1 beneficiary1 or fraternal benefit association1 to any person entitled to assistance therefrom1 or beneficiary under certificate thereof2 wages not exceeding twenty-five dollars due from services rendered during thirty days preceding attachment1 garnishment1 or levy of execution2 earnings of a minor child of debtor1 by reason of liability of debtor not contracted for the special benefit of such minor2 claim for damages1 and judgment thereon by reason of levy on or sale under execution of exempt personal property or the wrongful taking or detention of such property4 ,if within an incorporated place of less than five thousand inhabitants1 one-half acre1 of more than five thousand inhabitants1 one-third acre4 ,surviving or deserted spouse and minor children are entitled to the exemption4 ,as to debts created prior to ,march #a1 #aijf1 exemption continues4 ,,mississippi4 ,a homestead to every citizen of the ,state1 male or female1 being a householder and having a family1 not to exceed two thousand dollars in value in country1 or three thousand in town1 nor one hundred and sixty acres in extent2 this exemption is forfeitable1 if the debtor cease to reside on the place1 unless his removal be temporary4 ,the following property of each head of a family is also exempt3 #ast4 ,two work-horses1 or mules1 and one yoke of oxen4 #b;d4 ,two heads of cows and calves4 #c;d4 ,ten hogs4 #dth4 ,twenty sheep and goats each4 #eth4 ,all poultry4 #fth4 ,all colts under three years1 raised in this ,state by debtors4 #gth4 ,two hundred and fifty bushels of corn4 #hth4 ,ten bushels of wheat or rice4 #ith4 ,five hundred pounds of pork1 bacon1 or other meat4 #ajth4 ,one hundred bushels of cottonseed4 #aath4 ,one wagon1 and one buggy or cart1 and one set of harness for each4 #abth4 ,five hundred bundles of fodder and one thousand pounds of hay4 #acth4 ,forty gallons of sorghum or molasses or cane syrup4 #adth4 one thousand stalks of sugar-cane4 #aeth4 ,one molasses-mills and equipments1 not exceeding one hundred and fifty dollars in value4 #afth4 ,two bridles and one saddle1 and one side-saddle4 #agth4 ,one sewing-machine4 #ahth4 ,household and kitchen furniture not exceeding in value two hundred dollars4 #aith4 ,all family portraits4 #bjth4 ,one mower and rake4 #bast4 ,wages to amount of fifty dollars per month4 ,the following property is also exempt to any person3 #ast4 ,the tools of a mechanic necessary for carrying on his trade4 #bnd4 ,agricultural implements of a farmer necessary for two male laborers4 #c;d4 ,the implements of a laborer necessary in his usual employment4 #dth4 ,the books of a student necessary for the completion of his education4 #eth4 ,wearing apparel4 #fth4 ,libraries and pictures of all persons not exceeding five hundred dollars in value4 #gth4 ,instruments of surgeons and dentists1 used in their professions1 not exceeding two hundred and fifty dollars in value4 #hth4 ,the arms and accoutrements of each militiaman4 #ith4 ,all globes and maps used by teachers of schools1 academies and colleges4 #ajth4 ,the proceeds of insurance on1 or the sale of1 exempt property4 ,,missouri4 ,certain animals1 implements1 and domestic furniture and wearing apparel1 as specified by the statute1 is exempt from execution and attachment when owned by the head of a family4 ,wearing apparel and the necessary tools and implements of trade of any mechanic1 while carrying on his trade1 are exempt from execution when owned by a person not the head of a family4 ,every householder or head of a family is entitled to have exempt from execution and attachment the homestead occupied by him1 not exceeding in value three thousand dollars in cities of over forty thousand inhabitants1 and not exceeding in quantity eighteen square rods of ground4 ,in cities having less than forty thousand and not less than ten thousand inhabitants the homestead cannot exceed in value fifteen hundred dollars nor thirty square rods of ground2 in cities having less than ten thousand inhabitants1 five acres and not exceeding in value fifteen hundred dollars2 and one hundred and sixty acres of land in the country1 not exceeding in value fifteen hundred dollars4 ,,montana4 ,exemptions are as follows3 ,all clothing of the debtor and family1 and chairs1 tables1 desks1 and books to the value of two hundred dollars2 also all necessary household1 table and kitchen furniture1 of the judgment debtor1 including one sewing-machine1 stove1 stove-pipe1 and stove furniture heating apparatus1 beds1 bedding and bedsteads and provisions and fuel for individual or family use1 sufficient for three months2 one horse1 saddle and bridle1 two cows with their calves1 four hogs1 and fifty domestic fowl1 and feed for such animals for three months2 one clock1 and all family pictures4 ,in addition to the above1 there is exempt to a farmer his farming utensils not exceeding six hundred dollars in value1 two oxen1 or two horses or mules and their harness1 one cart or wagon1 and food for such stock for three months2 two hundred dollars' worth of seed1 grain1 or vegetables actually provided for the purpose of sowing or planting4 ,the proper tools1 instruments1 or books of any mechanic1 physician1 dentist1 lawyer1 or clergyman1 and office furniture4 ,to a miner his dwelling and all his tools and machinery necessary for carrying on his avocation1 not to exceed in value the aggregate sum of one thousand dollars1 and also one horse or mule1 and its harness1 with its food for three months1 in case such stock is used in working his mining claim4 ,one horse1 mule1 or two oxen1 vehicle and harness1 by which the debtor habitually earns his living1 and one horse with vehicle and harness1 of physician or clergyman1 used in making professional visits1 with food for such stock for three months4 ,all arms1 uniforms1 etc41 required by law to be kept by any person4 ,the wages of the debtor earned at any time within thirty days next preceding the levy1 provided they are necessary for the use of his family1 residing in the ,state1 supported wholly or in part by his labor4 ,all moneys growing out of life insurance4 ,these exemptions are restricted to married persons or to persons who are the heads of families1 and only the wearing apparel of an unmarried person is exempt to him4 ,none but bona fide residents can claim the benefit of this law4 ,a homestead not to exceed in value the sum of twenty-five hundred dollars1 if agriculture land it is not to exceed one hundred and sixty acres4 ,if within the limits of a town1 plat1 city1 or village1 not to exceed one-fourth of an acre4 ,the debtor has his option of the two and may select either1 with all improvements thereon1 which are included in the valuation4 ,,nebraska4 ,there is exempt from judicial sale to every family1 whether owned by the husband or wife1 a homestead1 not exceeding in value two thousand dollars1 consisting of dwelling-house in which claimant resides1 and its appurtenances1 and land on which same is situated not exceeding one hundred and sixty acres1 or if within an incorporated city or village a quantity of contiguous land not exceeding two lots4 ,or in case debtor has no lands1 there is exempt from execution five hundred dollars in personal property4 ,if title to homestead is in wife it is exempt1 and in such cases the head of the family is not entitled to exemption of five hundred dollars in personality4 ,nor is he if his title is simply a contract for sale4 ,the clothing of the family1 family supplies for six months1 supplies for domestic animals for three months1 furniture1 family ,bible and picture books1 cooking utensils1 certain domestic animals1 tools1 implements of trade1 etc41 are exempt2 also sixty days wages to any laboring man1 clerk1 etc41 who is the head of a family2 provided that there is no exemption from attachment or execution for wages due to any clerk1 laborer or mechanic4 ,all pension money of ,united ,states soldiers and sailors1 and property purchased and improved thereby1 is exempt4 ,the phrase head of a family1 as used in this chapter includes within its meaning3 #a4 ,the husband1 when the claimant is a married person4 #b;d4 ,every person who has resided on the premises with him or her1 and under his care and maintenance1 either3 #ast4 ,his or her minor child1 or the minor child of his or her deceased wife or husband4 #b;d4 ,a minor brother or sister1 or the minor child of a deceased brother or sister4 #c;d4 ,a father1 mother1 grandfather1 or grandmother4 #dth4 ,the father or mother1 grandfather or grandmother of a deceased husband or wife4 #eth4 ,an unmarried sister1 or any other of the relatives mentioned in this section who have attained the age of majority and are unable to take care of or support themselves4 ,,nevada4 ,the following property is exempt from execution except upon a judgment for the purchase-money or upon a mortgage thereon3 ,chairs1 tables1 desks1 and books to the value of one hundred dollars2 necessary household and kitchen furniture1 wearing apparel1 etc41 and provisions and fire-wood actually provided sufficient for one month1 farming utensils1 or implements of husbandry1 and seed provided for planting within the ensuing six months1 not exceeding in value two hundred dollars2 two horses1 two oxen1 or two mules1 and two cows and food for one month for such animals1 and one cart or wagon2 the tools of a mechanic necessary to his trade2 the instruments and libraries of a surgeon1 physician1 surveyor1 or dentist2 the professional library of an attorney and counsellor1 or minister of the gospel2 the dwelling of a miner not exceeding in value five hundred dollars1 also his tools and appliances necessary to carry on his mining operations1 not exceeding in value five hundred dollars2 and two horses1 two oxen1 or two mules1 and their harness and one cart or wagon1 by the use of which a teamster or laborer habitually earns his living2 one horse harness1 and vehicle1 of a physician or surgeon1 or minister of the gospel1 and food for such animal for one month4 ,for every livery stable keeper1 two horses or mules1 with vehicle and harness1 provided the whole shall not exceed in value five hundred dollars2 one sewing-machine in actual use in the debtor's family1 not exceeding in value one hundred and fifty dollars2 all fire engines and property of fire companies2 all arms1 etc41 required by law to be kept by any person2 a homestead to be selected by the husband or wife1 or other head of a family1 not exceeding in value five thousand dollars2 the earnings of the debtor not exceeding fifty dollars for his personal services for the calendar month during1 or immediately preceding1 that in which process has been issued1 where such earnings are necessary for the use of a family supported wholly or partly by the labor of the debtor4 ,,new ,,hampshire4 ,the following goods and property are exempt from attachment1 and from liability to be taken upon execution3 ,necessary wearing apparel of the debtor and his family2 household furniture to the value of one hundred dollars2 one cooking-stove and its furniture2 one sewing-machine2 ,bibles and school books in actual use2 library to the value of two hundred dollars2 one cow1 six sheep and their fleeces1 one hog1 one pig1 and the pork of same when slaughtered2 domestic fowls1 not exceeding in value fifty dollars2 four tons of hay2 provisions and fuel to the value of fifty dollars2 tools of his occupation to the value of one hundred dollars2 beasts of the plow1 not exceeding a yoke of oxen or a horse2 the uniform1 arms1 and equipments of every officer or private in the militia2 the debtor's interest in one pew in any meeting house1 and in one lot in any cemetery4 ,damages recovered for conversion of property exempt are also exempt4 ,the wife1 widow1 and children of any person who is the owner of a homestead1 or any interest therein1 are entitled to so much thereof as does not exceed in value five hundred dollars as against creditors1 grantees1 or heirs of such person during the life of the wife or widow and minority of the children4 ,a homestead of the value of five hundred dollars is also exempt to an unmarried person owning the same4 7,p4 ,s4 ch4 #ach47 ,,new ,,jersey4 ,all goods and chattels1 not exceeding in value the sum of two hundred dollars exclusive of wearing apparel1 and all wearing apparel the property of any debtor having a family residing in this ,state1 are exempt from seizure by virtue of execution or other civil process except for the purchase money4 7,gen4 ,statutes1 p4 #adba47 ,in addition thereto1 by conforming to the provisions of the homestead exemption act1 the lot and buildings thereon occupied as a residence and owned by the debtor1 being a householder and having a family1 to the value of one thousand dollars1 may be exempted from sale or execution for debt4 7,gen4 ,statutes1 pp4 #bbig-bbih47 ,,new ,,mexico4 ,every person who has a family may hold the following property exempt from execution1 attachment1 or sale3 ,the wearing apparel of such person or family2 the beds1 bedsteads1 and bedding necessary for the use of the same2 one cooking-stove and pipe2 one stove and pipe used for warming the dwelling2 fuel sufficient for sixty days2 one cow1 or if the debtor owns no cow1 household furniture not exceeding forty dollars in value2 two swine or the pork therefrom1 or1 if the debtor owns no swine1 household furniture not exceeding fifteen dollars in value2 six sheep1 the wool shorn from them and the cloth or other articles manufactured therefrom1 or1 in lieu thereof1 household furniture not exceeding twenty dollars in value2 sufficient food for such animals for sixty days2 ,bibles1 hymn-books1 psalm-books1 testaments1 school and miscellaneous books used in the family1 and all family pictures2 provisions provided and designed for the use of such person or family2 not exceeding fifty dollars in value2 and such other articles of household and kitchen furniture1 or either1 necessary for such person or family1 not exceeding two hundred dollars in value2 one sewing-machine1 one knitting-machine1 one gun or pistol1 and the tools or implements of debtor necessary for carrying on his trade or business1 not exceeding one hundred and fifty dollars in value2 the personal earnings of debtor for sixty days next preceding his application for such exemption1 when necessary for the support of such debtor or his family2 all articles1 specimens in cabinets of natural history or science1 except such as may be intended for exhibition for pecuniary gain2 if engaged in agriculture2 two horses or one yoke of cattle1 with the necessary gearing for the same1 and one wagon2 if a doctor1 one horse1 one saddle and bridle1 professional books1 medicines and instruments not exceeding one hundred dollars in value2 if a lawyer professional books not exceeding five hundred dollars in value2 every person engaged in the business of draying1 or carrying property from place to place with one horse and wagon1 shall hold one horse1 harness1 dray1 or wagon also exempt from execution4 ,every unmarried woman may hold exempt from execution1 etc41 wearing apparel not exceeding in value one hundred and fifty dollars2 one sewing-machine1 one knitting-machine2 if engaged in teaching music1 one piano or organ2 a ,bible1 hymn-book1 psalm-book1 album1 and any other books not exceeding in value fifty dollar2 any beneficiary fund1 not exceeding five thousand dollars1 set apart or paid by any benevolent association to a family of a deceased member1 or to any member of such family1 shall not be liable for the debts of such deceased member4 ,husband and wife1 widow or widower1 living with an unmarried daughter1 or unmarried minor son1 may hold exempt from sale or judgment of a family homestead not exceeding one thousand dollars in value4 ,any head of a family not the owner of a homestead may hold exempt from levy and sale real or personal property not exceeding five hundred dollars in value in addition to the chattel property otherwise by law exempted4 ,,new ,,york4 ,necessary household furniture1 working tools and team1 professional instruments1 furniture and library 7not exceeding in value two hundred and fifty dollars72 groceries actually provided for family use1 and ninety days necessary food for team1 in addition to certain other specified articles1 when owned by householder1 are exempt from levy and sale under execution4 ,a private burying-ground not exceeding one-quarter of an acre1 is also exempt4 ,insurance money1 etc41 paid or to be paid to a member1 or the widow of a member of a life or casualty corporation doing business upon the co-operative or assessment plan1 cannot be reached for any debt or liability incurred before such money1 etc41 was paid4 ,the lot and buildings1 not exceeding one thousand dollars in value1 owned and occupied by a householder having a family are exempted1 if designated and recorded as homestead property in the office of the clerk of the county where it is situated4 ,such exemption continues after the owner's death for the benefit of the widow and family1 so long as any of them continue to occupy such homestead1 until the death of the widow and the majority of the youngest child4 ,a married woman is entitled to the same homestead as a householder having a family4 ,,north ,,carolina4 ,personal property to the value of five hundred dollars1 to be selected by any resident of the ,state1 is exempt from execution2 and also a homestead1 and the dwelling and building1 not exceeding one thousand dollars1 to be selected by the owner thereof2 or1 in lieu thereof1 any lot in a city1 town1 or village1 with the dwelling and buildings used thereon1 owned and occupied by any resident of the ,state1 not exceeding the value of one thousand dollars4 ,,north ,,dakota4 ,the following property is absolutely exempt to the head of a family from attachment or mesne process1 and from levy and sale on execution1 and from any other final process issued from any court3 ,all family pictures2 a pew or other sitting in any house of worship2 a lot or lots in any burial-ground2 the family ,bible1 and all school books used by the family1 and other books used as a part of the family library1 not exceeding in value one hundred dollars2 all wearing apparel of the debtor and his family2 the provisions for the debtor and his family necessary for one year's supply either provided or growing1 or both1 and fuel necessary for one year2 the homestead1 as defined1 created1 and limited by law4 ,in addition to the above mentioned property1 the head of a family may1 by himself or his agent1 select from all other of his personal property1 not absolutely exempt1 goods1 chattels1 merchandise1 money1 or other personal property1 not to exceed in the aggregate one thousand dollars in value1 which is also exempt4 ,the library and instruments of any professional person1 not exceeding six hundred dollars in value4 ,,ohio4 ,every unmarried woman may hold the following property exempt from execution1 attachment1 or sale1 to satisfy any judgment1 decree1 or debt1 to wit3 #ast4 ,wearing apparel1 not exceeding one hundred dollars in value4 #b;d4 ,one sewing-machine4 #c;d4 ,one knitting-machine4 #dth4 ,bible1 etc41 and other books not exceeding in value twenty-five dollars4 ,every person who has a family1 and every widow1 can hold exempt from execution1 attachment1 or sale from any debt1 damage1 fine1 or amercment3 #ast4 ,wearing apparel of such person or family necessary beds1 etc41 two stoves1 and fuel for sixty days4 #b;d4 ,certain domestic animals1 and their feed for sixty days1 or1 in lieu of such as the debtor has not1 household furniture of equal value1 amounting1 in the aggregate to sixty-five dollars4 #c;d4 ,family books and pictures4 #dth4 ,provisions to the amount of fifty dollars1 and other necessary household furniture to the amount of fifty dollars4 #eth4 ,one sewing-machine1 one knitting-machine1 the tools and implements of debtor necessary for carrying on his or her trade or business1 whether mechanical or agricultural1 to the amount of one hundred dollars #fth4 ,the personal earnings of debtor or minor child for three months previous to the issuing of the attachment or rendition of judgment1 when necessary for support of debtor or his or her family4 #gth4 ,all animal1 vegetable1 or mineral specimens of natural history or science not kept for pecuniary gain4 ,in addition to the above1 the debtor1 if a drayman1 can hold one horse1 harness1 and dray2 if a farmer one horse or one yoke of cattle1 with necessary gearing for same1 and one wagon2 if a physician1 one horse1 one saddle and bridle1 and professional books1 medicine and instruments1 not exceeding one hundred dollars in value4 ,husband and wife living together1 a widower living with an unmarried daughter or minor son1 every widow1 and every unmarried female having in good faith the care1 maintenance and custody1 of any minor child or children of a deceased relation1 residents of ,ohio1 and not the owner of a homestead1 may hold other real or personal property1 to be selected by such person1 his agent or attorney1 not exceeding five hundred dollars in value1 in addition to the amount of chattel property otherwise by law exempted1 provided that such selection shall not be made as to wages due to the extent of more than ninety per cent1 of such wages as against claims for necessaries4 ,a homestead1 not exceeding one thousand dollars in value1 which shall remain exempt from sale on execution and exempt from sale under any order of the court so long as the widow1 if she remain unmarried1 or any unmarried minor child1 resides thereon4 ,husband and wife living together1 a widow or widower living with an unmarried daughter or unmarried minor son1 may hold exempt a family homestead not exceeding one thousand dollars in value4 ,,oklahoma4 ,the exemptions of the head of a family residing in the ,state are3 #ast4 ,the homestead of the family4 #b;d4 ,all household and kitchen furniture4 #c;d4 ,any lot or lots in a cemetery held for the purpose of sepulture4 #dth4 ,all implements of husbandry used upon the farm4 #eth4 ,all tools1 apparatus and books belonging to and used in any trade or profession4 #fth4 ,the family library and all family portraits and pictures and wearing apparel4 #gth4 ,five milk cows and their calves under six months old4 #hth4 ,one yoke of work oxen1 with necessary yokes and chains4 #ith4 ,two horses or two mules1 and one wagon1 cart1 or dray4 #ajth4 ,one carriage or buggy1 #aath4 ,one gun4 #abth4 ,ten hogs4 #acth4 ,twenty head of sheep4 #adth4 ,all saddles1 bridles1 and harness necessary for the use of the family4 #aeth4 ,all provisions and forage on hand and growing for home consumption1 and for use of exempt stock for one year4 #afth4 ,all current wages and earnings for personal or professional services earned within the last ninety days4 ,the homestead of any family in the ,state within any city1 town1 or village consists of not exceeding an acre of land to be selected by owner1 owned and occupied as a residence only1 but not exceeding in value five thousand dollars1 but in no event shall the homestead be reduced to less than a quarter of an acre regardless of value4 ,if the homestead is used for both residence and business purposes1 the homestead interest shall not exceed in value five thousand dollars1 and nothing in the laws of the ,united ,states or treaties with ,indian tribes deprives an ,indian or other allottee of the benefit of the homestead and exemption laws of the ,state4 ,the exemptions reserved to a person not the head of a family are as follows3 #ast4 ,a lot or lots in a cemetery held for the purpose of sepulture4 #b;d4 ,all wearing apparel4 #c;d4 ,all tools1 apparatus and books belonging to any trade or profession4 #dth4 ,one horse1 bridle1 and saddle1 or one yoke of oxen4 #eth4 ,current wages for personal services4 ,,oregon4 ,the following property shall be exempt from execution1 if selected and reserved by the judgment debtor or his agent at the time of levy1 or as soon thereafter before sale as the same shall be known to him1 and not otherwise4 ,books1 pictures and musical instruments owned by any person1 to the value of seventy-five dollars2 necessary wearing apparel owned by any person1 to the value of one hundred dollars1 and1 if such person be a householder1 to each member of his family to the value of fifty dollars2 the tools1 implements1 apparatus1 team1 vehicle1 harness1 or library necessary to enable any person to carry on the trade1 occupation1 or profession by which such person habitually earns his living1 to the value of four hundred dollars2 also sufficient quantity of food to support such team1 if any1 for sixty days4 ,the word team1 in this subdivision1 shall not be construed to mean more than one yoke of oxen1 or pair of horses or mules1 as the case may be4 ,homesteads the actual abode of1 and owned by1 a family or some member thereof are exempt from execution4 ,the following property 7is exempt71 if owned by a householder and in actual use1 by and for his family1 or when being removed from one habitation to another on a change of residence3 ,ten sheep1 with one year's fleece1 or the yarn or cloth manufactured there from1 two cows1 and five swine1 household goods1 furniture1 and utensils1 to the value of three hundred dollars2 also1 food sufficient to support such animals if any1 for three months1 and provisions actually provided for family use1 and necessary for the support of such householder and family for six months2 the seat or pew occupied by a householder1 or his family1 in a place of public worship2 burial lots4 ,earnings or wages to the extent of seventy-five dollars in thirty days1 are exempt if necessary to support family4 ,one gun and one revolver exempt to every white male citizen over sixteen years of age4 ,,pennsylvania4 ,the law exempts from execution property1 either real or personal1 to the amount of three hundred dollars1 in addition to wearing apparel1 ,bibles1 and school books1 if claimed by the debtor2 the privilege is personal and may be waived at any time4 ,the widow or children of any decedent are entitled to the same amount from his estate for her or their use4 ,all sewing-machines belonging to private families are exempt4 ,non-residents of the ,state are not entitled to the exemption laws4 ,,rhode ,,island4 ,the following are exempt from attachment and execution3 ,the necessary wearing apparel of a debtor and his family1 his necessary working tools1 not exceeding two hundred dollars in value2 and the professional library of any professional man in actual practice2 his household furniture and family stores1 if a housekeeper1 not exceeding three hundred dollars in value2 one cow and one and one-half tons of hay1 of a housekeeper2 one hog and one pig1 and the pork of the same1 of a housekeeper2 arms1 equipments1 etc41 of a militiaman1 and of any person which are kept for use and not for sale2 one pew in church2 a burial lot2 wages due or accruing to any seaman2 debts secured by bills of exchange or negotiable promissory notes3 and ten dollars due as the wages of labor except when action is for necessaries furnished to defendant2 the salary and wages of the wife and minor children of any debtor2 and such other property1 real or personal1 as is or shall be exempt from attachment and execution1 either permanently or temporarily1 by general or special acts1 charters of incorporation1 or by the policy of the law4 ,,south ,,carolina4 ,homesteads in lands1 whether held in fee or any lesser estate1 to the value of one thousand dollars1 or so much thereof as the property is worth if its value is less than one thousand dollars1 with the yearly products thereof1 and to every head of a family residing in this ,state1 whether entitled to a homestead exemption in lands or not1 personal property to the value of five hundred dollars1 or so much thereof as the property is worth if its value is less than five hundred dollars4 ,,south ,,dakota4 ,the following property is absolutely exempt from attachment or mesne process1 and from levy and sale on execution1 and from any other final process issued by any court3 ,all family pictures2 a pew or other sitting in any house of worship2 a lot or lots in any burial ground2 the family ,bible1 and all school books used by the family1 and all other books used as a part of the family library not exceeding in value two hundred dollars2 all wearing apparel of the debtor and his family2 the provisions for the debtor and his family necessary for one year's supply1 either provided or growing1 or both1 and fuel necessary for one year2 the homestead as defined1 created1 and limited by law4 ,in addition to the above-mentioned property1 the debtor1 if the head of a family1 may1 by himself or his agent1 select from all other of his personal property1 not to exceed in the aggregate seven hundred and fifty dollars in value1 and if a single person1 not the head of a family1 three hundred dollars in value1 which is also exempt4 ,instead of the seven hundred and fifty dollars exemption1 the debtor1 if the head of a family1 may select and choose the following property1 which shall be exempt1 namely3 ,all miscellaneous books and musical instruments for the use of the family1 not exceeding two hundred dollars in value2 all household and kitchen furniture1 including beds1 bedsteads and bedding1 used by the debtor and his family1 not exceeding two hundred dollars in value2 and in case the debtor shall own more than two hundred dollars' worth of such property1 he must select therefrom such articles to the value of two hundred dollars1 leaving the remainder subject to legal process2 two cows1 five swine1 two yokes of oxen or one span of horses or mules1 twenty-five sheep and their lambs under six months old1 and all wool of the same1 and all cloth or yarn manufactured therefrom1 the necessary food for the animals hereinbefore mentioned for one year1 either provided or growing or both1 as the debtor may choose2 also one wagon1 one sleigh1 two plows1 one harrow1 and farming machinery and utensils1 including tackle for team1 not exceeding twelve hundred and fifty dollars in value2 the tools and implements of any mechanic1 whether a minor or of age1 used and kept for the purpose of carrying on his trade or business1 and1 in addition thereto1 stock in trade not exceeding two hundred dollars in value2 the avails of life insurance policies issued payable to the order1 assignees1 or estate of the insured1 and not assigned1 are to the extent of five thousand dollars1 absolutely exempt to the surviving husband1 or wife or minor children of the insured1 free from all claim of creditors of the insured4 ,the homestead of the head of every family resident in this ,state1 whether owned by the husband or wife1 so long as it remains a homestead1 is absolutely exempt1 except for taxes and debts contracted for the purchase thereof4 ,if within a town plat it must not exceed one acre in extent1 and if not within a town plat it must not embrace in the aggregate more than one hundred and sixty acres1 with the house and buildings appurtenant thereon2 and is limited to five thousand dollars in value4 7,c4 ,c4 ,p4 ,sec4 #cde47 ,if the homestead is claimed upon land1 the title or right of possession to which was acquired or is claimed under the laws of the ,united ,states relating to mineral lands1 the area of the homestead1 if within a town plat1 must not exceed one acre1 and if without a town plat1 must not exceed forty acres4 ,if the title to the homestead has been acquired as a placer claim but has been acquired under the laws of ,congress as a lode mining claim1 the area of the homestead must not exceed forty acres4 7,l4 #aiji1 ch4 #acf47 ,such exemption continues after the debtor's death1 for the benefit of the surviving husband or wife and children2 and if both husband and wife be dead1 until the youngest child becomes of age4 7,prob4 ,c4 ,sec4 #aec47 ,it is very doubtful1 however1 in view of the provisions of the ,state ,constitution1 if the title of the homestead can be in the wife1 unless the husband is for some reason incapacitated4 ,,tennessee4 ,thirty-six dollars of the wages1 salary1 or income of any person drawing forty dollars or less per month shall be exempt from legal process at date of service of process4 ,household goods and provisions are exempt4 ,the list includes practically every article to be found in the average home4 ,the liberality of the law may be judged from the fact that one hundred gallons of sorghum molasses and twenty pounds of coffee are listed4 ,the list ends with3 twenty bushels of peanuts1 three strings of red peppers1 two gourds1 two punger gourds1 a carpet in actual use by the family1 not exceeding in value twenty-five dollars1 and two hundred bushels of cotton seed4 ,if the head of the family is engaged in agriculture there is further exempt in his hands the following property3 ,two plows1 two hoes1 one grubbing hoe1 one cutting knife1 one harvest cradle1 one set of plow gears1 one pitch-fork1 one rake1 three iron wedges1 five head of sheep1 and ten head of stock hogs4 ,there is exempt in the hands of each mechanic in the ,state who is engaged in the pursuit of his trade or occupation one set of mechanic's tools1 such as are usual and necessary to the pursuit of his trade2 and1 if he is the head of a family1 two hundred dollars' worth of lumber or material1 or products of his labor2 also one gun in the hands of every male citizen of the age of eighteen years and upward1 and every female who is the head of a family2 to the heads of families fifty pounds of picked cotton and twenty-five pounds of wool1 and a sufficient quantity of upper and sole leather to provide winter shoes for the family2 also1 three hundred pounds of tobacco in the hands of the actual producer2 also thirty-five dollars' worth of roughness1 to consist of oats1 fodder1 and hay1 or either of them4 ,a homestead or real estate in the possession of or belonging to each head of a family1 and the improvements thereon1 to the value in all of one thousand dollars1 shall be exempt from sale under legal process during the life of such head of a family1 and shall inure to the benefit of his widow and be exempt from sale in any way at the instance of any creditor or creditors during the minority of the children occupying the same and until the youngest child reaches the age of twenty-one years4 ,,texas4 ,the ,constitution of #ahge provides that a homestead of a family not in a town or city consisting of not more than two hundred acres of land1 which may be in one or more parcels1 with the improvements thereon1 or1 if in a town or city1 lot or lots1 not exceeding in value five thousand dollars at the time of designation1 without reference to the value of the improvements thereon is exempt1 provided the same shall be used for the purpose of a home1 or as place to exercise the calling or business of the head of the family4 ,there is also exempted to every family1 free from forced sale for debts2 all household and kitchen furniture2 any lot or lots for sepulture in a cemetery2 all instruments of husbandry2 all tools and apparatus belonging to any trade or profession1 and all books belonging to private or public libraries1 and family portraits and pictures1 five milk cows and calves1 two yoke of work oxen1 two horses and one wagon1 one carriage or buggy1 one gun1 twenty hogs1 twenty head of sheep1 all provisions and forage on hand for home consumption1 all bridles1 saddles1 and harness necessary for the use of the family2 and to every citizen not a head of a family1 one horse1 bridle1 and saddle2 all wearing apparel1 any lot or lots for sepulture in a cemetery2 all tools1 apparatus1 and books belonging to his trade1 profession1 or private library4 ,current wages for personal services are not subject to garnishment4 ,,utah4 ,the following property is exempt from execution1 except on a judgment for the purchase price1 or on a judgment of a foreclosure of a mortgage1 or a mechanic's or laborer's lien thereon1 or from sale for taxes1 to wit3 #ast4 ,chairs1 tables1 and desks of the value of two hundred dollars1 and the library belonging to the judgment debtor1 also musical instruments in actual use in the family4 #b;d4 ,necessary household1 table1 and kitchen furniture of the value of three hundred dollars1 one sewing-machine1 family hanging pictures1 oil paintings and drawings1 portraits and their necessary frames1 provisions on hand for three months1 two cows and their sucking calves1 and two hogs and all sucking pigs1 all wearing apparel1 and beds and bedding1 and all carpets in use4 #c;d4 ,a farmer may hold farming implements to the value of three hundred dollars1 two oxen1 horses or mules1 and their harness2 a cart or wagon2 seed1 grain or vegetable1 for planting or sowing within six months1 not exceeding in value two hundred dollars and crops and the proceeds thereof not exceeding two hundred dollars4 #dth4 ,necessary tools1 tool chest1 and implements of a mechanic or artisan1 not exceeding in value five hundred dollars2 the seal and records of a notary public2 the instruments and chests of a surgeon1 physician1 surveyor1 and dentist1 with their libraries1 and the law libraries and office furniture of attorneys and judges1 and libraries of ministers1 and typewriters of reporters and copyist1 the type1 presses1 and material of a printer or publisher1 not exceeding five hundred dollars4 #eth4 ,the cabin of a miner not exceeding five hundred dollars in value1 also his tools and appliances1 not exceeding in value five hundred dollars4 #fth4 ,two oxen1 or horses or mules and harness1 and cart or wagon1 or dray or truck1 by which a cartman1 drayman1 huckster1 teamster1 or other laborer habitually earns his living2 and one horse1 harness1 and vehicle of a physician1 surgeon1 or minister4 #gth4 ,one-half of the earnings of the judgment debtor for personal services rendered within thirty days preceding the levy if debtor is married or is head of a family residing in ,utah and dependent upon such earnings for support4 ,if his earnings are two dollars per day or less1 a married man or head of a family is entitled to an absolute exemption of thirty dollars per month4 ,costs cannot be taxed in any proceeding to obtain levy upon moneys of judgments debtor earned within thirty days next preceding levy4 #hth4 ,all moneys1 benefits1 privileges1 or immunities accruing in any manner from a life insurance on a debtor's life1 when the annual premiums do not exceed five hundred dollars4 #ith4 ,all arms1 ammunition1 uniforms1 and accoutrements required by law to be kept4 #ajth4 ,to a head of a family homestead1 to be selected by the debtor4 ,a homestead consisting of lands and appurtenances 7which lands may be in one or more localities71 not exceeding fifteen hundred dollars in value for the head of the family and five hundred dollars additional for his wife1 and two hundred and fifty dollars for each other member of his family1 shall be exempt from judgment lien and from execution or forced sale1 for mechanics' or laborers' lien thereon1 lawful mortgage thereon1 or lien for purchase4 ,the statute provides that the homestead exemption may be claimed by either the husband or the wife1 and defines the terms head of the family and members of the family4 ,in case of sale the money received by the judgment debtor for value of his exemption is also exempt1 and so1 too1 is insurance money when fire occurs 7to the extent of the exemption74 ,,vermont4 ,the law exempts a homestead from attachment or levy of execution to the amount of five hundred dollars2 also 7unless turned out to the officer by the debtor1 to be taken on the attachment in execution7 such suitable apparel1 bedding1 tools1 arms1 and articles of household furniture as may be necessary for upholding life1 one sewing-machine kept for use1 one cow1 the best swine1 or the meat of one swine1 sheep not exceeding in number ten1 and one year's product of said sheep in wool yarn1 or cloth1 forage sufficient for keeping not exceeding ten sheep and one cow through one winter1 ten cords of firewood or five tons of coal1 twenty bushels of potatoes1 all growing crops1 ten bushels of grain1 one barrel of flour1 three swarms of bees and hives1 together with their produce in honey1 two hundred pounds of sugar1 and all lettered gravestones1 the ,bibles and other books used in a family1 one pew or slip in a meeting-house or place of religious worship1 live poultry not exceeding in value the sum of ten dollars1 the professional books and instruments of physicians1 and the professional books of clergymen and attorneys at law1 to the value of two hundred dollars2 and also one yoke of oxen or steers1 as the debtor may select1 two horses kept and used for team-work1 and such as the debtor may select in lieu of oxen or steers1 but not exceeding in value the sum of two hundred dollars1 with sufficient forages for keeping the same through the winter2 also the pistols1 side arms1 and equipments personally used by any soldier in the service of the ,united ,states and kept by him or his heirs as mementoes of his service1 also one two-horse wagon with whiffle-trees and neck-yoke2 or one ox-cart1 as the debtor may choose2 one sled or one set of traverse sleds1 either for horses or oxen1 as the debtor may select2 two harnesses1 two halters1 two chains1 one plow1 and one ox-yoke1 which with the oxen or steers or horses which the debtor may select for team work1 shall not exceed in value two hundred and fifty dollars2 also one tool chest kept for use by a mechanic4 ,a housekeeper or head of a family has a homestead exemption from attachment or execution in a dwelling-house and lands appurtenant1 used or kept as a homestead1 to the value of five hundred dollars4 ,,virginia4 ,the exemption laws are very liberal4 ,a householder residing in this ,state may hold exempt from levy or distress the family ,bible1 family pictures1 school-books1 and library for the use of the family1 not exceeding in all one hundred dollars in value2 a seat or pew in any house or place of public worship2 a lot in a burial ground2 all necessary wearing apparel of the debtor and his family2 all beds1 bedsteads and bedding necessary for the use of such family1 and all stoves and appendages put up for the necessary use of the family1 not exceeding three2 one cow and her calf till one year old1 one horse1 six chairs1 one table1 six knives1 six forks1 six plates1 one dozen spoons1 two dishes1 two basins1 one pot1 one oven1 six pieces of wooden or earthen ware1 one loom and its appurtenances1 one safe or press1 one spinning-wheel1 one pair of cards1 one axe1 two hoes1 ten barrels of corn1 or in lieu thereof twenty-five bushels of rye or buckwheat1 five bushels of wheat or one barrel of flour1 two hundred pounds of bacon or pork1 three hogs1 ten dollars in value of forage or hay1 one cooking-stove and utensils for cooking therewith1 and one sewing-machine2 and1 in the case of a mechanic1 the tools and utensils of his trade1 not exceeding one hundred dollars in value2 and in case of an oysterman or fisherman1 his boat and tackle1 not exceeding two hundred dollars in value1 the same shall be sold1 and out of the proceeds the oysterman or fisherman shall first receive two hundred dollars in lieu of such boat and tackle2 and if the householder is at the time actually engaged in the business of agriculture1 there shall also be exempt from such levy or distress1 while he is so engaged1 to be selected by him or his agent1 the following articles1 or so many there he may have1 to wit3 one yoke of oxen1 or a pair of horses or mules in lieu thereof 7unless he selects or has selected a horse or mule under the preceding section1 in which case he shall be entitled to select under this section only one71 with the necessary gearings1 one wagon or cart1 two plows1 one drag1 one harvest cradle1 one pitchfork1 one rake1 and two iron wedges2 wages1 owing to a laboring man being a householder1 not exceeding fifty dollars per month1 shall also be exempt from distress1 levy1 or garnishment4 ,these embrace what is known as the ,poor ,debtor's ,exemption4 7,code1 ch4 #agh47 ,the ,homestead ,exemption is as follows3 ,every householder residing in this ,state shall1 in addition to the property or estate to hold exempt from levy1 distress1 or garnishment1 under ch4 #agh1 be entitled to exempt from levy1 seizure1 garnishment1 or sale under any execution1 order1 or process issued on any demand for any debt or liability on contract1 his real and personal estate1 or either1 to be selected by him1 including money and debts due him1 to the value of not exceeding two thousand dollars4 ,,west ,,virginia4 ,any husband or parent residing in this ,state1 or the widow or infant children of deceased parents1 may set apart his personal estate1 not exceeding two hundred dollars in value1 to be exempt from execution or other process4 ,he or they may also hold a homestead of the value of one thousand dollars 7provided the homestead is recorded among the public land records of the county wherein it is situate1 before the debt against which it is claimed is contracted71 as against debts created since4 ,any resident mechanic1 artisan1 or laborer1 whether a husband or parent or not1 may hold the working tools of his trade or occupation to the value of fifty dollars exempt1 provided that in no case shall the exemption allowed any one person exceed two hundred dollars4 ,,washington4 ,all real and personal estate belonging to a married woman at the time of her marriage1 and all she subsequently acquires or becomes entitled to in her own right1 and all her personal earnings1 and rents and profits of such real estate1 shall not be liable for her husband's debts so long as she or any minor heir of her body is living1 but her separate property is liable for debts owing by her at the time of her marriage4 ,to a householder1 being the head of a family1 a homestead of the value of two thousand dollars while occupied by such family1 wearing apparel1 private libraries 7not to exceed five hundred dollars in value71 family pictures1 and keepsakes4 ,to each householder one bed and bedding and one additional bed and bedding for each additional member of the family1 and other household goods of the coin value of five hundred dollars4 ,provisions and fuel for family for six months4 ,two cows with their calves1 five swine1 two stands of bees1 thirty-six domestic fowls and feed for six months4 ,to a farmer one span of horses and harness1 or two yokes of oxen1 and one wagon1 with farming utensils not exceeding five hundred dollars in coin value1 one hundred and fifty bushels of wheat1 one hundred and fifty bushels of oats or barley1 fifty bushels of potatoes1 ten bushels of corn1 and ten bushels of peas1 and ten bushels of corn1 ten bushels of peas and ten bushels of onions for seeding purposes4 ,to a mechanic1 the tools used to carry on his trade for the support of himself and family1 also material of the value of five hundred dollars4 ,to a physician1 his library1 not exceeding five hundred dollars in value1 horse and carriage1 instruments and medicines not exceeding two hundred dollars in coin4 ,to attorneys and clergymen1 their libraries1 not exceeding in value of one thousand dollars1 also office furniture1 stationery and fuel not exceeding in value two hundred dollars4 ,all firearms kept for use and a canoe1 skiff1 or small boat1 not exceeding in value two hundred and fifty dollars4 ,to a person engaged in lightering1 one or more lighters or scows and a small boat1 not exceeding the aggregate value of two hundred and fifty dollars4 ,to a drayman1 his team4 ,to a person engaged in logging1 three yokes of work oxen1 and implements of the value of three hundred dollars4 ,proceeds or avails of all life and accident insurance shall be exempt from all liability for any debt4 ,to any person whose exempt property is insured1 and destroyed by fire1 the insurance money coming to or belonging to the person thus insured to an amount equal to the exempt property thus destroyed4 ,burial lot exempt4 ,pension money exempt1 but exemption may be waived4 ,,wisconsin4 ,the following personal property is exempt from seizure or sale on any execution and from attachment or garnishment3 #ast4 ,the family ,bible4 #b;d4 ,family pictures and school-books4 #c;d4 ,the library of the debtor4 #dth4 ,the seat or pew in any place of public worship4 #eth4 ,all wearing apparel of the debtor and his family2 all stoves and appendages kept for the use of the debtor and his family2 all cooking utensils and all other household furniture not exceeding two hundred dollars in value1 and one gun1 rifle1 or other firearm not exceeding fifty dollars in value4 #fth4 ,two cows1 ten swine1 one yoke of oxen1 and one horse or mule1 or1 in lieu of one yoke of oxen and horse or mule1 two horses or two mules1 ten sheep and the wool from the same1 either in the raw material or manufactured into yarn or cloth2 the necessary food for one year's support for all such stock1 also one wagon1 cart1 or dray1 one sleigh1 one plow1 one drag1 and other farming utensils1 including a tackle for teams1 not exceeding two hundred dollars in value4 #gth4 ,the provisions for the debtor and his family necessary for one year's support1 and fuel necessary for one year4 #hth4 ,the tools1 implements1 and stock in trade of any mechanic1 miner1 merchant1 trader1 or other person1 used or kept for the purpose of carrying on his trade or business1 not exceeding two hundred dollars in value4 #ith4 ,all sewing-machines owned by individuals and kept for the use of themselves or family4 #ajth4 ,any sword1 plate1 books1 or other article presented or given to any person by congress1 legislature of any of the ,united ,states1 or by either body of congress or of such legislature1 whether presented by vote or raised by subscription of the members of either of the aforesaid bodies1 #aath4 ,printing material and press or presses used in the business of any printer or publisher1 to an amount not exceeding fifteen hundred dollars in value1 provided no sum exceeding four hundred dollars shall be exempt from payment of employees4 #abth4 ,horses1 arms1 equipment1 and uniforms of all officers1 non-commissioned officers1 and privates used for military purposes in the organized militia of the ,state4 #acth4 ,all books1 maps1 plates1 and other papers kept or used by any person for the purpose of making abstracts of title to land4 #adth4 ,the interests owned by any inventor in any invention secured to him by letters patent of the ,united ,states4 #aeth4 ,the earnings of all married persons and other persons having a family dependant upon them for support1 for three months next preceding the issue of an attachment1 execution1 or garnishment1 to the amount of sixty dollars only for each month4 ,such exemption shall not exceed one hundred and eighty dollars in all for the three months4 #afth4 ,all fire-engines1 apparatus1 and equipments1 used or to be used for the protection of property from fire4 #agth4 ,all moneys arising from insurance of any exempt property when such property has been destroyed by fire4 #aith4 ,all money arising on any policy of insurance on the life of a minor1 payable to his father or mother1 or both1 shall be exempt against the creditors of such father or mother1 but not against the creditors of such minor4 ,certain other life insurance moneys are also exempt4 #bjth4 ,all cemetery lots owned by individuals and all monuments therein1 the coffins and other articles for the burial of any dead person1 and the tombstone or monuments for his grave1 by whomsoever purchased4 #bast4 ,pensions paid policemen1 firemen1 their widows or minor children4 #bb;d4 ,shares of the value of one thousand dollars at time of withdrawal in a local building and loan association held by one not owning a homestead which is exempt4 ,a homestead to be selected by the owner1 consisting1 when not included in any city or village1 of any quantity of land not exceeding forty acres1 used for agricultural purposes1 and when included in any city or village1 of any quantity of land not exceeding one-fourth of an acre and the dwelling-house thereon and its appurtenances owned and occupied by any resident of the ,state1 not exceeding five thousand dollars in value1 is exempt4 ,proceeds of homestead not exceeding five thousand dollars are exempt for two years4 ,husband cannot assign exempt wages except by a written instrument signed by wife with two witnesses1 nor for a longer period than two months in advance4 ,,wyoming4 ,every householder being the head of a family1 and every resident who has attained the age of sixty years1 is entitled to a homestead not exceeding in value fifteen hundred dollars1 exempt from execution or attachment for any debt1 contract1 or civil obligation1 while such homestead is actually occupied as such by the owner thereof1 or his or her family4 ,the homestead may consist of a house and lot or lots in any town or city1 or a farm of not more than one hundred and sixty acres4 ,besides the homestead above mentioned1 the wearing apparel of every person is exempt from judicial or ministerial process2 also the following property when owned by any person being the head of a family and residing with the same1 to wit3 the family ,bible1 pictures1 and school-books2 a lot in any cemetery or burial ground2 furniture1 bedding1 provisions1 and such other articles as the debtor may select1 not to exceed in all the value of five hundred dollars1 to be ascertained by the appraisment of three disinterested householders2 provided that no personal property of any person about to remove or abscond from the ,state shall be exempt4 ,the tools1 teams1 and implements1 or stock in trade of a mechanic1 miner1 or other person1 and used and kept for the purpose of carrying on his trade or business1 is exempt to a value not exceeding three hundred dollars2 also the library1 instruments or implements of any professional man1 not to exceed in value three hundred dollars4 ,,british ,,columbia4 ,personal property to be selected by the debtor to the value of five hundred dollars is exempt from execution4 ,under the ,homestead ,act lands to the value of twenty-five hundred dollars may be registered as a homestead1 and are then exempt from seizure or sale4 ,,manitoba4 #ast4 ,bedding and furniture not exceeding five hundred dollars4 7,this exemption does not apply1 where claim1 for which distress warrant has issued1 is for wages47 #b;d4 ,necessary clothing for judgment debtor and his family4 #c;d4 ,twelve volumes of books and the books of a professional man1 one axe1 one saw1 one gun1 six traps4 #dth4 ,food for judgment debtor and family for eleven months if in possession4 #eth4 ,three horses1 mules1 or oxen1 six cows1 ten sheep1 ten pigs1 fifty fowl1 and food for the same during eleven months1 provided that the exemption as to horses over four years of age shall apply only in case they are used by the judgment debtor in earning his living4 #fth4 ,tools and implements up to five hundred dollars4 #gth4 ,farm lands up to one hundred and sixty acres actually resided upon1 cultivated by the judgment debtor1 or used for grazing or other purposes1 and the houses1 stables1 barns on the farm lands resided upon by judgment debtor4 #hth4 ,the actual residence or house of any person other than a farmer1 provided the same does not exceed in value fifteen hundred dollars4 #ith4 ,all the necessary seeds of various varieties or roots for proper seeding and cultivation of eighty acres4 #ajth4 ,insurance on exemptions also exempt4 ,there are no exemptions in cases of judgments for board and lodgings4 ,no article is exempt when judgment was for purchase price of article seized4 ,,nova ,,scotia4 ,the necessary wearing apparel and bedding and bedsteads of the debtor and his family1 and the tools and instruments of his trade or calling to the value of thirty dollars1 one stove1 and his last cow1 cooking utensils1 six each of knives1 forks1 plates1 cups1 saucers1 spoons1 chairs1 one shovel1 one table1 teapot1 jug1 spinning-wheel1 weaving loom1 ten religious volumes1 food and fuel for thirty days1 two sheep1 one hog1 and food for same and cow for thirty days shall be exempt from execution4 ,,new ,,brunswick4 ,wearing apparel1 bedding1 kitchen utensils1 and tools of trade or calling to the value of one hundred dollars4 ,,ontario4 ,the following chattels are exempt from seizure under any writ of execution whatever1 and after the death of the debtor are exempt from the claims of his creditors3 ,furniture1 bedding1 and wearing apparel not exceeding in value one hundred and fifty dollars2 fuel and provisions not exceeding in value forty dollars2 animals not exceeding in value seventy-five dollars1 and food therefor for thirty days2 tools to the value of one hundred dollars2 one dog and fifteen hives of bees4 ,free grants and homesteads to actual settlers in the districts of ,algoma and ,nipissing1 and of certain lands between the ,river ,ottawa and the ,georgian ,bay1 are also free from creditor's claims4 ,,quebec4 ,the debtor may select and withdraw from seizure3 #ast4 ,the bed1 bedding and bedsteads in use by him and his family4 #b;d4 ,the ordinary and necessary wearing apparel of himself and his family4 #c;d4 ,two stoves and their pipes1 one pot-hook and its accessories1 one pair of andirons1 one pair of tongs1 and one shovel #dth4 ,all the cooking utensils1 knives1 forks1 spoons1 and crockery in use by the family1 two tables1 two cupboards or dressers1 one lamp one mirror1 one washing stand with its toilet accessories1 two trunks or valises1 the carpets or matting covering the floors1 one clock1 one sofa1 and twelve chairs1 provided that the total value of such effects does not exceed the sum of fifty dollars4 #eth4 ,all spinning-wheels and weaving looms intended for domestic use1 one axe1 one saw1 one gun1 six traps1 such fishing-nets1 lines1 and seines as are in common use1 one tub1 one washing machine one wringer1 one sewing-machine1 two pails1 three flat-irons1 one blacking-brush1 one scrubbing-brush1 one broom4 #fth4 ,fifty volumes of books1 and all drawings and paintings executed by the debtor or the members of his family1 for their use4 #gth4 ,fuel and food sufficient for the debtor and his family for three months4 #hth4 ,one span of plow-horses or a yoke of oxen2 one horse1 one summer vehicle and one winter vehicle1 and harness used by a carter or driver for earning his livelihood2 one cow1 two pigs1 four sheep1 the wool from such sheep1 the cloth manufactured from such wool1 and the hay and other fodder intended for the feeding of said animals2 and1 moreover1 the following agricultural tools and implements2 one plow1 one harrow1 one working sleigh1 one tumbril1 one hay-cart with its wheels1 and all harness necessary and intended for farming purposes4 #ith4 ,books relating to the profession1 art1 or trade of the debtor1 to the value of two hundred dollars4 #ajth4 ,tools and implements or other chattles ordinarily used in his profession1 art1 or trade to the value of two hundred dollars1 #aath4 ,bees to the extent of fifteen hives4 ,the following are exempt from seizure3 ,consecrated vessels and things used for religious worship2 family portraits2 immovables by a donor or testator1 or by law1 to be exempt from seizure1 and sums of money or objects given or bequeathed upon the condition of their being exempt from seizure2 old age annuities created by the act of ,parliament of ,canada1 alimentary allowances granted by a court1 and sums of money or pensions given as alimony1 even though the donor or testator has not expressly declared them to be exempt from seizure 7they may1 however1 be seized for alimentary debts72 pensions granted by financial and other institutions to their employees2 pay and pensions of persons belonging to the army or to the navy2 the salaries of some public officers and professors1 tutors1 school teachers1 and public officers2 salaries of some public officers and employees of the ,province1 and salaries of city and town clerks1 and of other municipal officers and employees and of city and town assessors in incorporated cities or towns1 are seizable for one-fifth of every monthly salary not exceeding one thousand dollars per annum2 one-fourth of every monthly salary exceeding one thousand dollars1 but not exceeding two thousand dollars per annum1 and one-third of every monthly salary exceeding two thousand dollars per annum4 ,four-fifths of the salary1 remuneration1 or earnings of members of the ,corporation of ,pilots for and below the harbor of ,quebec for the pilotage of vessels are exempt from seizure4 ,all other salaries and wages are exempt from seizure for four-fifths when they do not exceed three dollars per day2 three-quarters when they exceed three dollars but do not exceed six dollars per day2 and two-thirds when they exceed six dollars per day4 ,there are also special exemptions in favor of settlers and fishermen4 ,,index4 ,accounts ,close collection1 #ag ,items over year apart1 #cc ,payment on1 revives1 #cc ,attitude ,toward ,debtors1 #aa the poor1 #ad off-color women1 #ae children1 #ae ,bookkeeping ,systems1 #ai ,original entry1 #ai ,marks and ,ciphers1 #ai ,charity practice1 #bj ,checks ,post-dated1 #bc ,due on ,sunday or holiday1 #bc ,changing date makes void1 #bc ,not dated1 never payable1 #bc ,are orders1 #bc ,do not hold1 #bc ,if not paid1 #bc ,certified1 #bd ,erase endorsement1 #bd ,collectors ,on commission1 #g ,office girl best1 #ag ,corporation orders1 #cj ,discounting bills1 #i ,forms ,letter when debtor fails to keep appointment1 #ah ,collecting letters1 bluff1 #bd ,sentiment1 #be ,class1 #be ,pen written1 #be ,class #a1 #bf ,class #b1 #bg ,class #c1 #bh ,personal1 #bh ,items for1 #bi ,order-note1 #bb ,statement1 #ba ,exemptions1 #cc ,provisions for physicians1 #cd ,runs to widows and minors1 #cd ,not certain claims1 #cd ,not for fines1 ,tennessee1 #cd ,wages of seamen1 ,rhode ,island1 #cd ,homestead not1 ,pennsylvania1 #cd ,gun and revolver1 ,oregon1 #cd ,public buildings1 #ce ,property1 selection1 #ce ,until youngest child of age1 #ce ,laws1 liberal1 #ad-cd ,north ,dakota1 liberal1 #cd ,alabama1 #ce ,alaska1 #cf ,arizona1 #cg ,arkansas1 #cg ,california1 #ch ,colorado1 #dj ,connecticut1 #da ,delaware1 #dc ,dist4 of ,columbia1 #dd ,florida1 #dd ,georgia1 #de ,hawaii1 #df ,indiana1 #dh ,iowa1 #dh ,illinois1 #ec ,idaho1 #ea ,kansas1 #ej ,kentucky1 #ee ,louisiana1 #ef ,maine1 #eg ,maryland1 #eh ,massachusetts1 #ei ,michigan1 #fj ,minnesota1 #fa ,mississippi1 #fb ,missouri1 #fc ,montana1 #fd ,nebraska1 #fe ,nevada1 #ff ,new ,hampshire1 #fg ,new ,jersey1 #fh ,new ,mexico1 #fh ,new ,york1 #gj ,north ,carolina1 #ga ,north ,dakota1 #ga ,ohio1 #ga ,oklahoma1 #gc ,oregon1 #gd ,pennsylvania1 #ge ,rhode ,island1 #ge ,south ,carolina1 #gf ,south ,dakota1 #gf ,tennessee1 #gh ,texas1 #gi ,utah1 #hj ,vermont1 #hb ,virginia1 #hc ,west ,virginia1 #he ,washington1 #he ,wisconsin1 #hf ,wyoming1 #hh ,british ,columbia1 #hi ,manitoba1 #hi ,nova ,scotia1 #ij ,new ,brunswick1 #ia ,quebec1 #ia ,ontario1 #ia ,judgments1 foreign1 ,oklahoma1 #cc ,west ,virginia1 #cc ,limitations1 ,all ,states1 #cc ,padding accounts1 #ae ,proper time to collect1 #af ,notes1 #ah ,sight ,draft1 #bi ,successful ,physician1 the1 #g ,loans1 #ab ,the ,physician's ,improved ,account ,system ,the card ledger is the up-to-date book-keeping system and is being used for all kinds of accounts4 ,it is the simplest and best method a doctor can use4 ,with it there are no dead accounts to handle 7when an account is paid the card is transferred to the closed accounts72 no indexing to do1 the cards being filed in alphabetical order2 there is a great economy of time1 the statement of an account is always ready when a client asks for it2 because of this1 collections are made prompter and easier4 ,illustration ,the ,physician's ,account ,system consists of a handsome quarter-sawed1 dust-proof oak box 7like the illustration shown7 #ex#fx#i inches1 with a hinged lid1 #ejj buff cards1 #cx#e inches1 ruled on both sides1 and two sets 7,a to ,z7 of alphabet guide cards1 one set for the open accounts1 the other for the closed accounts1 and a movable metal partition to separate the open from the closed accounts4 ,additional cards for this outfit may be secured at low cost1 and as dead accounts may after a time be filed away1 it constitutes a perpetual and very inexpensive ledger or account system4 ,hundreds of physicians are using this system1 and have nothing but praise for it2 not one has raised an objection to it4 ,don't spend a lot of money for an elaborate accounting system4 ,no matter what you pay you cannot find as simple1 convenient and satisfactory system as this4 ,price1 ,complete ,in ,oak ,cabinet1 with ,pocket ,call ,book #e4jj ,physicians ,drug ,news1 ,newark1 ,n4 ,j4 ,in connection with our account system we supply a ,physicians ,practical ,call ,book for recording daily calls ,the object of this book is to furnish physicians with a simple and convenient method of recording calls1 in as small compass as possible4 ,it is perpetual2 may be begun at any time4 ,it is elastic2 if one double page is not sufficient1 two may be employed4 ,illustration ,it is free from the mass of printed matter which cumbers up the average call book and nearly all of which is unnecessary4 ,size #gx#d inches4 ,handsomely bound1 gilt edges1 with flap4 ,price #a4jj ,with name on1 stamped in gold #a4be ,physicians ,drug ,news1 ,newark1 ,n4 ,j4 ,,transcriber',s ,,notes3 ,text in italics is surrounded with underscores3 italics4 ,text in bold is surrounded with equals signs3 bold4 ,punctuation has been corrected without note4 ,inconsistencies in spelling and hyphenation have been retained from the original4 ,obvious typographical errors have been corrected as follows3 ,page #af3 ,i changed to #a ,page #ba3 acounts changed to accounts ,page #ej3 individal changed to individual ,page #ea3 libary changed to library ,page #ee3 ,ilinois changed to ,illinois ,page #eg3 usefruct changed to usufruct ,page #fg3 minor changed to miner debtors changed to debtor's calender changed to calendar ,page #fh3 virture changed to virtue ,page #gj3 owners changed to owner's ,page #gi3 pusuit changed to pursuit ,page #ie3 ,dicounting changed to ,discounting ,page #ii3 ,newark1 ,n4 changed to ,newark1 ,n4 ,j4 ,on page #dj1 note that #afth is missing in the original text4