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Everybody's Guide to Money Matters | by William Cotton



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.

TitleEverybody's Guide to Money Matters
AuthorWilliam Cotton
PublisherF. Warne
Year1898
Copyright1898, William Cotton

Everybody's Guide to Money Matters

"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.

by

William Cotton, F.S.A.

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 ...
-Chapter I. Easy Steps To Money Matters
Money is the medium by which we may acquire from others, who are willing to part with them, such things as we may desire. The price of an article is the value ...
-Easy Steps To Money Matters. Continued
In addition to this Miss Smith will be presented with what is called a pass-book - a book passing between the bank and herself, now become a customer - in ...
-Chapter II. The Bank Account
THE manner in which Miss Smith had left her money on what is termed a current account at the Bank is convenient to herself and profitable to the Blankshire ...
-Chapter III. London Banks And Banking
The private banks now doing business in London are few in number. The tendency of late years has been to transform these banks into Limited Liability Companies, ...
-Chapter IV. Investments
Going back to the parcel of securities which Miss Smith received from her lawyer, we will presume that they represent safe investments of various kinds. It ...
-Mortgages
To invest money upon mortgage is to lend it to a person who has house or landed property, and desires to borrow money at a certain specified rate of interest.
-The Funds
What are the Funds? The writer has been asked this question over and over again, though it seems scarcely credible that, in these days, any person of ordinary ...
-Stocks And Shares
The stock of an institution or company is a fixed sum forming the capital upon which the concern is carried on, or it is the fixed sum borrowed for certain ...
-Dividends
A dividend is the sum apportioned periodically, in the shape of profit or interest, to holders of stocks and shares. It may be a fixed sum according to the ...
-Chapter V. British Government Funds
The safest of all investments are those represented by the National Debt of this country, but the rate of interest or annual income derivable therefrom is ...
-Loans. The Interest On Which Is Guaranteed By The British Government
These consist of loans to the Government of Canada for railway purposes, upon which 4 per cent. per annum is guaranteed. Also loans to the Colonies of Jamaica ...
-Chapter VI. Government Annuities
The Commissioners for the Reduction of the National Debt, under the authority of Parliament, grant annuities either on single lives, or on two lives and the ...
-Insurance Office Annuities
Some of the Insurance Offices grant immediate annuities. Of course, in purchasing a life annuity from an Insurance Office, it is necessary to ensure as far as ...
-Chapter VII. Loans To Corporations And Counties Of The United Kingdom.
These are loans raised by boroughs and counties, and other authorities in this country, for local purposes, upon the security of the rates or other assured ...
-Colonial Government Securities
Loans made to the various Colonies of Great Britain have always been a favourite mode of investing money, as they command a better rate of interest, at least ...
-Foreign Government Stocks
These represent money borrowed by various foreign countries on the security of their credit or solvency, and the loans stand to them in the same relationship ...
-Railways
Next to the British Government Funds, by far the largest amount of money is invested in English railways. First in order of safety, as an investment, is the ...
-Indian Railway Stocks
These are a favourite investment with the British public. They consist of Debenture, Guaranteed, and Ordinary stocks. The Debenture stocks are similar to those ...
-Banks
A joint-stock bank is composed of a number of proprietors who hold the shares which make up the capital of the bank, and to the nominal amount of these shares ...
-Colonial And Foreign Corporation Stocks
These represent money borrowed by municipalities and trusts in Colonial and foreign towns, and the security offered consists of rates and revenues from the ...
-Commercial And Industrial Companies
Speaking generally, taking shares in this class of property is like purchasing tickets in a lottery in which the prizes are not numerous. It may fairly be said ...
-Financial Land And Investment Companies
These companies are mostly formed for the purpose of employing their capital in the Colonies, where money commands a higher rate of interest, and can be more ...
-Steamship Companies
Judging from the prices of the shares in these companies, they have not been very successful as a whole, and it would appear that a Government subsidy for mail ...
-Chapter VIII. The Stock Exchange
The Stock Exchange is a market for the sale and purchase of all kinds of securities. The buildings, wherein business is transacted, occupy a triangular plot of ...
-The Stock Exchange. Part 2
Any sums of money may be invested in, or any particular amount of stock purchased of, the Government Funds, through a broker or banker, and there is ...
-The Stock Exchange. Part 3
An ingenious mode of practising on the credulity of the public may be noticed in some financial publications. An editorial notice or subsidised paragraph will ...
-The Stock Exchange. Part 4
A typical example -- and not a fictitious one -- of hundreds of knavish concerns foisted on the public may be quoted. A certain company, of which no prospectus ...
-Chapter IX. Life Insurance
Ladies do not take advantage of the system of life insurance to the extent one would expect, seeing the benefits it is capable of conferring upon themselves ...
-Life Insurance. Continued
The proposer has now to undergo one other formality, disagreeable no doubt, but absolutely necessary, and that is the medical examination. This is done by the ...
-Bonuses
It has been mentioned in a previous page that insurance has the advantage over the savings bank, no matter how long a person may live, and this is brought ...
-Surrenders
If from any cause it is desired to give up a policy and discontinue paying any more premiums, the offices will pay to the insured what is called the surrender ...
-Fire Insurance
This is a distinct branch of insurance business, the object being to compensate a person in case of pecuniary loss through the accidental burning of his ...
-Chapter X. Building Societies
THE main object of a Building Society is to aid a man to become proprietor of his own dwelling. This can be accomplished by means of the society in two ...
-Borrowers
A member desiring to effect an immediate purchase of a house or property may borrow the money required by depositing the title deeds with the society as ...
-Chapter XI. The Post Office Savings Bank
This institution offers a most admirable, convenient, and secure depository for the savings of the industrial classes and of others. Its value to the thrifty ...
-Appendix: Table Of Interest On Investments
Showing how the rate of interest actually received varies according to the amount paid for the Stock. Example. -- If a purchaser gives 88 for 100 6% stock, ...
-Examples Of Business Communications Correspondence
Sending Money by Post Address__________________ Date__________________ The Manager, Blankshire Bank. Sir, Please place the amount of the enclosed cheques and ...









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