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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