Chapter I: Preface

THE Author, emboldened by a Banking expe- rience 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 fasci- nating 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.

PAGE
CHAP. I. - What is Money? - What to do with it - How to
open a Bank Account - How to draw Cheques . . . 1

CHAP. II. - How to Deposit Money at Interest - The Bank
Pass Book - The Advantages of a Bank Account . 13

CHAP. III. - London Banks and Banking - Bill of Exchange -
Deposits - Scotch and Irish Banks . . . . . . . 20

CHAP. IV. - Investments - What are Securities - Mortgages
- The Funds - The National Debt - Stocks and Shares -
Dividends, how Payable . . . . . . . . . . . . 26

CHAP. V. - British Government Funds - The Different Debts
- Terminable Annuities - Loans Guaranteed by Govern-
ment - Dividends, how to Receive them - Automatic Re-
investment of Dividends . . . . . . . . . . . . 35

CHAP. VI. - Government Annuities, how to Purchase - When
Payable - Tables - Insurance Office Annuities - Tables -
Indian Government Stocks . . . . . . . . . . . 41

CHAP. VII. - Loans to Corporations, &c. - Colonial Govern-
ment Securities - Inscribed Stocks and Bonds - List of
Inscribed Stocks - Bonds and Coupons - Foreign Govern-
ment Stocks - Caution in Investing - Railways - The
Different Stocks and their Relative Values - The War-
rants 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 . . . . . . . . . . . . . . . 55

CHAP. VIII. - The Stock Exchange - Brokers and Jobbers -
How Business is Done - "Contango" and "Backwarda-
tion" - "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 . . . . . . . . . . . . . 79

CHAP. IX. - Life Insurance - Its Advantages - Mutual and
Joint Stock Companies - Choice of Office - Form of Pro-
posal - 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 . . . . . . . . . . . . . . . . . . 101

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 Ac-
counts . . . . . . . . . . . . . . . . . . . . 122

CHAP. XI. - The Post Office Savings Bank - Mode of Depo-
siting - Opening an Account - Convenience and Precau-
tions - Limit in Amounts - Withdrawal - Payment to
Representatives - Government Annuities, &c. - Advan-
tages the Post Office Offers . . . . . . . . . 134

APPENDIX.

Table of Interest on Investments . . . . . . . . . . . 142
Examples of Business Communications - Sending Money
by Post . . . . . . . . . . . . . . . . 143
Requiring Money . . . . . . . . . . . . . . . 143
Acknowledging Receipt . . . . . . . . . . . . . 144
Transfer to Deposit Account . . . . . . . . . . 144
Arranging Cheques to be Honored by Another Bank 145
Request for Passport and Circular Notes . . . . 145
Ordering Letter of Credit . . . . . . . . . . . 146
Remitting in this Country . . . . . . . . . . . 146
Lodging Securities at Bank . . . . . . . . . . 147
Order to Receive Dividends . . . . . . . . . . 147
Ordering Investments . . . . . . . . . . . . . 148

EVERYBODY'S GUIDE TO MONEY MATTERS.