Everybody's Guide to Money Matters
Everybody's Guide to Money Matters by William Cotton, F.S.A.
With a description
of the various investments chiefly dealt in on the stock exchange, and the mode
of dealing therein also Some account of the pitfalls prepared for the unwary,
and suggestions to the cautious investor.
Late treasurer of the county of Devon,
author of "An Elizabethan Guild," "Gleanings from Records,"
"The Bank Manager," etc. Originator of the postal order system.
London
1898.
PREFACE.
THE Author, emboldened by a Banking experience
of over forty years, offers this little work to the public in the hope that, elementary
though it be, it may prove acceptable to many persons of both sexes. The work
has been prepared chiefly for the use of women, a vast proportion of whom are
brought up in utter ignorance of money matters in the simplest form, though otherwise
they may be highly accomplished. The subject, it must be allowed, is not a fascinating
one, but there are periods in the lives of most persons when some knowledge of
money matters may be useful and even necessary.
W.C.
CONTENTS.
CHAP.
I. - What is Money? - What to do with it - How to open a Bank Account - How to
draw Cheques
CHAP.
II. - How to Deposit Money at Interest - The Bank Pass Book - The Advantages of
a Bank Account
CHAP.
III. - London Banks and Banking - Bill of Exchange - Deposits - Scotch and Irish
Banks
CHAP.
IV. - Investments - What are Securities - Mortgages - The Funds - The National
Debt - Stocks and Shares - Dividends, how Payable
CHAP.
V. - British Government Funds - The Different Debts - Terminable Annuities - Loans
Guaranteed by Government - Dividends, how to Receive them - Automatic Reinvestment
of Dividends
CHAP.
VI. - Government Annuities, how to Purchase - When Payable - Tables - Insurance
Office Annuities - Tables - Indian Government Stocks
CHAP.
VII. - Loans to Corporations, &c. - Colonial Government Securities - Inscribed
Stocks and Bonds - List of Inscribed Stocks - Bonds and Coupons - Foreign Government
Stocks - Caution in Investing - Railways - The Different Stocks and their Relative
Values - The Warrants for Interest and Dividends - Indian Railway Stocks - American
Railways - Foreign Railways - Banks - As an Investment - Colonial and Foreign
Corporation Stocks - Canals and Docks - Gas - Electric Lighting, Telegraph and
Telephone - Water Works - Breweries - Industrial Companies - Financial, Land and
Investment Companies - Financial Trusts - Insurance Companies - Steamship Companies
- Mines
CHAP.
VIII. - The Stock Exchange - Brokers and Jobbers - How Business is Done - "Contango"
and "Backwardation" - "Bulls" and "Bears" - "Boom"
and "Slump" - Settlement - Risk in Keeping Convertible Bonds - Brokers
- Traps and Snares - Good Companies and Bad - Advertising Swindles - Gold Mines
- A Typical Case - Exploration Companies
CHAP.
IX. - Life Insurance - Its Advantages - Mutual and Joint Stock Companies - Choice
of Office - Form of Proposal - Examination - Premiums, how Payable - Examples
of Advantage - Various Modes of Insuring - Bonuses - How Applied - Endowment Insurance
- Non-profitable Policies - Settlement Policies - Endowment of Children - Insurance
of Joint Lives - Insurance on Longest of Two Lives - Surrenders - Fire Insurance
- Farm Stock - Other Insurances
CHAP.
X. - A Building Society, Mode of Doing Business - How to Obtain a Share, and Table
of Payments - How to Withdraw, and Table - Borrowers - How to Build a House -
Table of Payments - How Profits are made - The Weak Points of Societies Badly
Conducted - What Leads to Collapse - Necessity for Choosing Directors of Standing
and Character - Necessity for Efficient Audit of Accounts
CHAP.
XI. - The Post Office Savings Bank - Mode of Depositing - Opening an Account -
Convenience and Precautions - Limit in Amounts - Withdrawal - Payment to Representatives
- Government Annuities, &c. - Advantages the Post Office Offers
APPENDIX.
Table of Interest on Investments - Examples of Business Communications - Sending
Money by Post - Requiring Money - Acknowledging Receipt - Transfer to Deposit
Account - Arranging Cheques to be Honored by Another Bank - Request for Passport
and Circular Notes - Ordering Letter of Credit - Remitting in this Country - Lodging
Securities at Bank - Order to Receive Dividends - Ordering Investments
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