GUIDE TO THE UNPROTECTED IN EVERY‐DAY MATTERS RELATING TO PROPERTY AND INCOME.
BYA BANKER’S DAUGHTER.
SECOND EDITION, REVISED.London: MACMILLAN AND CO. 1864.
[The Right of Translation is reserved.]CONTENTS.
- PREFACE vi
- CHAPTER I.
INTRODUCTORY
- Investments; Joint‐Stock Banks; Shares, &c. p.9 to 12
- —Asking advice, 13.
- —Imposition, 14.
- —Documents; Bills; Payments of Debts, 15 to 19.
- —Keeping Accounts, 20 to 25.
- —Sharing Expenses, 26.
- —Taking Stock, 28.
- —Bank Notes, 28.
- —Signing Documents; Signature; Residence and Address, 29 to 31.
- —Business Transactions with Friends, 32 to 33.
- —Brokers and Bankers, 34.
- —Money on Deposit, 35.
- —Directorships, 36.
- CHAPTER II.
TRANSACTIONS WITH YOUR BANKER—CHEQUES AND BILLS.
- Money Transactions with Bankers, 37.
- —Bank or Pass Book, 37.
- —Cheques, 40 to 51.
- —Transferring Money 51 to 55.
- —Money at Interest; Deposit Account, 55 to 56.
- —Receiving Cheques; Cheques for Money Lent, 57 to 58.
- —Letters of Credit; Circular Notes, 59 to 62.
- —Bills, Bank Post; Bills of Exchange; Promissory Notes; Acceptances, 63 to 65.
- —I.O.U. 65.
- CHAPTER III.
STOCKS AND LEADING SECURITIES.
- page: v
- CHAPTER IV.
SHARES, LOANS, AND MORTGAGES.
- CHAPTER V.
HOUSE PROPERTY.
- CHAPTER VI.
MISCELLANEOUS.
- Marriage Settlements, 109
- —Trustees, 109.
- —Wills, 111.
- —Agents’ Charges, 114.
- —Servants, 115 to 117.
- —Votes for Hospitals, Book Clubs, &c. 117.
- —Taxes, Income and Assessed, 119.
- —Easter Dues, 119.
- —Ground Rent, 119.
- —Thirty Years’ Purchase, 120.
- —To Calculate Interest, 120.
- —Useful Books on Special Subjects, 121.
- CHAPTER VII.
TECHNICAL TERMS USED IN BUSINESS
- INDEX 139
PREFACE.
MANY young people, and especially widows and single ladies, when they first possess money of their own, are in want of advice when they have commonplace business matters to transact. It is not always easy for them to find a friend who will listen patiently to their difficulties, and express no surprise at their ignorance, which has made me see how much a little Manual of this kind has been wanted. Numerous excellent works are published (see p. 121 for a list of them), but the mistake their Authors generally make is in supposing the Reader to know something of business. I write for those who know nothing. My aim throughout is to avoid all technicalities; to give plain and practical direc‐ page: vii tions, not only as to what ought to be done, but how to do it.
Ladies rarely have any business to attend to before they attain the age of twenty‐one. They are usually older when, through their father’s or their husband’s death, they find themselves possessed of money of their own, and are then first called upon to act. They naturally feel shy and awkward, at that time of life, in asking such a simple question as, How am I to draw a Cheque? How should I write to my Banker to send me some money? I want to sell out of the Stocks, what must I do? How am I to get a Power of Attorney? When once known, a person soon finds that all these things are very simple, and as soon forgets how difficult and strange they once appeared to her. I trust this little book will prove useful to many of those who have yet to learn.
E.S.G.