CASHIER'S CHECK is used in the United States for a check drawn by a bank upon itself and signed by its cashier. It is a direct obligation of the issuing bank and is payable when presented to that institution. It is frequently used as a form of remittance by persons who have no bank accounts or who wish to give assurance that the check will be paid. In such cases the cashier's checks are bought from the bank by paying the face value, sometimes with a small fee for the service. Cashier's checks are also used by the bank to pay its own obligations, such as payment for securities, bills of exchange, discounting notes, purchase of supplies and often, though not always, for payment of dividends to stockholders. These checks when drawn become a credit to the cashier's account and when returned through the clear ing house or other channels become a debit to the same account. CASHIN, SIR MICHAEL PATRICK New foundland politician, was born at Cape Broyle, Newfoundland, on Sept. 29, 1864. He was educated at St. Bonaventure's College, St. John's, and afterwards adopted a business career, becoming a fishery merchant at Cape Broyle in 1885. In 1893 he entered politics as Independent member for Ferryland, but in 1895 joined the Liberals, becoming a prominent member of the party. In 1905, however, he broke away again from the Liberals, joining first the Independent Liberal party, and later (1908) the People's Party, led by Sir Edward (afterwards Lord) Morris. He was chosen to represent Newfoundland on the Commission on West Indian Trade held at Jamaica in 191o. From 1909 to 1919 he was Minister of Finance and Customs, and in this position was largely instrumental in raising the Victory loan (I 917-18) . In 1918 he was successively acting Prime Minister during the absence of Lord Morris, acting Minister of Militia, and acting Minister of Ship ping, becoming Prime Minister in 1919. During the World War he was a member of the War Finance Committee, and for his serv ices on this and other committees was created K.B.E. in 1918. From 192o he led the Opposition in the House of Assembly until he retired from public life in 1923, after the longest membership recorded in the House. In 1888 he married Gertrude, daughter of Captain Pierre Mullowney, and had four sons and one daughter. He died on August 3o, 1927.