Showing posts with label Free Domain Books. Show all posts
Showing posts with label Free Domain Books. Show all posts

Alcohol As A Medicine

ALCOHOL AS A MEDICINE.

Although nearly all of the foremost scientific investigators of the effects of alcohol upon the body have lost faith in the old views of the usefulness of alcoholic liquors as remedial agencies a considerable proportion of the medical profession do not seem yet to have learned how to treat disease without recourse to the alcohol therapy. This is largely due to the fact that the new thought has not yet crystallized to any large extent in the medical text-books, and also to the widely variant views held by professors of medicine.

The medical use of alcohol has been, and still is, the great bulwark of the liquor traffic. The user of alcoholics as beverages always excuses himself, if hard pressed by abstainers, upon the ground that they must be of service or doctors would not recommend them so frequently. In all prohibitory amendment, and no-license campaigns, the cry of “Useful as Medicine” has been the hardest for temperance workers to meet, for they have felt that they had to admit the statement as true, knowing nothing to the contrary. Indeed, thousands of those who advocate the prohibition of the sale of liquor as a beverage, use alcohol in some form quite freely as medicine, and are as determined and earnest in defence of their favorite “tipple” as any old toper could well be. Many use it in the guise of cordials, tonics, bitters, restoratives and the thousand and one nostrums guaranteed to cure all ills to which human flesh is heir.

The wide-spread belief in the necessity and efficacy of alcoholics as remedies is the greatest hindrance to the success of the temperance cause. It is impossible to convince the mass of the people that what is life-giving as medicine can be death-dealing as beverage. The two stand, or fall, together. Hence there is no more important question before the medical profession, and the people generally, than that of the action of alcohol in disease, and, as a goodly number of the most distinguished and successful physicians of Europe and America declare it to be harmful rather than helpful, it behooves thoughtful people to carefully study the reasons they assign for holding such an opinion. Certainly it is true that if physicians and people would all adopt the views of the advocates of non-alcoholic medication the temperance problem would be solved, and the greatest source of disease, crime, pauperism, insanity and misery would be driven from the face of the earth.

To understand the arguments advanced in favor of non-alcoholic medication it is needful to make some study of the effects of alcohol upon the body, and of the purposes for which alcoholics are prescribed medically.

Alcohol is used in sickness as a food, when solid foods cannot be assimilated, “to support” or sustain, the vitality; it is used as a stimulant, a tonic, a sedative or narcotic, an anti-spasmodic, an antiseptic and antipyretic; it is used in combination with other drugs, in tinctures and in pharmacy. It is not wonderful that the people esteem it above all other drugs, for none other is so variously and so generally employed. Those who discard it as a remedy teach that only in human delusions is it a food or a stimulant, and for the other uses to which it is put, outside of pharmacy, there are different agents which may be more satisfactorily employed.

Effects of Alcohol Upon the Kidney | How does Alcoho affect the Kidney

The effects of alchol on the kidney.

“The kidneys, being the chief organs for the excretion of nitrogen waste, are among the most important organs of the body. Any defect in their healthy activity leads to serious interference with the working of many organs, due to the accumulation in the body of nitrogenous waste products. If both kidneys be cut out of an animal, it dies in a few hours from blood-poisoning, due to the accumulation of waste poisonous substances which the kidneys should have got rid of. Serious kidney-disease amounts to pretty much the same thing as cutting out the organs, since they are of little use if not healthy. It is always fatal if not checked, and often kills in a short time. The things which most frequently cause kidney disease are undue exposure to cold, and indulgence in alcoholic drinks.”—Martin’s Human Body.

“The kidneys are supplied with arterial blood, which, having given up water, urea, salt, and certain other substances, either secreted or simply strained from it, returns to the kidneys nearly as bright and fresh as when it entered them. While the lungs are concerned in removing carbonic acid—the ashes of the furnace—it is the peculiar province of the kidneys to remove the products of the wear and tear of the bodily machinery—the wasted nerve and muscle—in the form of urea, or other crystallizable substances, the presence of which in the economy for any considerable time is attended with disastrous results.

“Now, nature has put these organs, charged with so important work, as far away as possible from any source of irritation. Could alcohol get as direct access to them as to the liver, there is no doubt that their function would be destroyed almost at once, since the change in arterial blood by alcohol is much more extensive and damaging than that wrought in such venous blood as the liver receives from the portal veins. Thus while the liver takes the alcohol immediately from the alimentary canal, the kidneys receive it only after it has passed through the liver, the heart, the lungs, and the heart again; by which time much of it has escaped, while the remainder has been greatly diluted by the blood of the general circulation; yet coming to the kidneys even so considerably diluted, it has power to congest, irritate, and excite them to the excretion of an unusual amount of the watery elements of the urine, as if to wash the irritant away.

“But it is only the watery element that is increased, not the urea, which is the substance representing the waste of vital action, and is a poison to the system; this it is the special office of the kidneys to remove. Not only does alcohol not increase its elimination, but actually lessens the discharge. And should the irritation of the spirit continue, or be augmented in force, inflammation would follow, and the excretion of urea nearly or entirely cease and life be in the greatest jeopardy. Relief or death then must speedily follow.”—Dr. E. Chenery, of Boston, in Alcohol Inside Out.

“Alcohol causes kidney-disease in several ways. In the first place it unduly excites the activity of the organs. Next, by impeding oxidation it interferes with the proper preparation of nitrogen wastes: they are brought to the kidneys in an unfit state for removal, and injure those organs. Third, when more than a small quantity of alcohol is taken, some of it is passed out of the body unchanged, through the kidneys, and injures their substance. The kidney-disease most commonly produced by alcohol is one kind of “Bright’s disease,” so called from the physician who first described it. The connective tissue of the organ grows in excess, and the true excreting kidney-substance dwindles away. At last the organ becomes quite unable to do its work, and death results.

“The three most common causes of Bright’s disease are an acute illness, as scarlet fever, of which it is a frequent result; sudden exposure to cold when warm (this often drives blood in excessive quantity from the skin to internal organs, and leads to kidney-disease); and the habitual drinking of alcoholic liquids.”—Dr. Newell Martin in The Human Body.

“Every physician knows or should know, that the quantity and quality of the effete, or waste, material separated from the blood by the kidneys and voided in the urine, is such as to render a knowledge of the action of any remedy or drink on the function of these organs, of the greatest importance in the treatment of all diseases, and especially those of an acute febrile character. As was long since demonstrated by clinical observation, and more recently by patient and accurate experiments by Bouchard and others, the amount of toxic, or poisonous, material naturally separated from the blood by the kidneys and passed out in the urine is so great that if wholly retained by failure of the kidneys to act for two or three days, speedy death ensues. Equally familiar to every observing physician is the fact that in all the acute febrile and inflammatory diseases, not only is the quantity of the urine secreted generally diminished, but its quality or constituency is also changed to a greater degree than even its quantity. Thus, some of the more important constituents are increased, others diminished, and often new or foreign elements are found present, all resulting from the disordered metabolic processes taking place throughout the system during the progress of these diseases.

“It is, therefore, hardly necessary to remind the physician that it is of the greatest importance to know as correctly as possible both the direct and the indirect influence of every medicine or drink on the action of the kidneys and all other eliminating organs and structures, lest he unwittingly allow the use of such as may not only retard the elimination of the specific causes of disease, but also favor auto-intoxication by retarding the elimination of the natural elements of excretion.

“That the presence of alcohol in the living system positively lessens the reception and internal distribution of oxygen, and consequently retards the oxidation processes of disassimilation by which the various products for excretion are perfected and their elimination facilitated, is so fully demonstrated, both by observation and experiment, as no longer to admit of doubt.

“As nearly all the toxic elements of urine are the results of these oxidation processes, the presence of alcohol in the system could hardly fail to interfere with them in a notable degree.

“The direct and somewhat extensive series of experiments instituted by Glazer, as published in the Deut. Med. Wochensch., Leipsic, Oct. 22, 1891, demonstrated this, as shown by the following conclusions:—‘Alcohol, in even relatively moderate quantities, irritates the kidneys, so that the exudation of leucocytes and the formation of cylindrical casts may occur. It also produces an unusual amount of uric acid crystals and oxalates, due to the modified tissue changes produced by the alcohol. The effect of a single act of over-indulgence in alcohol does not last more than thirty-six hours, but it is cumulative under continued use.’

“Dr. Chittenden kept several dogs under the influence of alcohol eight or ten days, and found it to increase the amount of uric acid in their urine more than 100 per cent. above the normal proportion.

“Mohilansky, house-physician to Manassein’s clinic, in the conclusions drawn from his interesting experiments on fifteen young men to determine the effects of alcohol on the metabolic processes generally, stated that ‘it does not possess any diuretic action: but rather tends to inhibit the elimination of water by the kidneys.’ It is further stated that this result is owing to the coincident effect of diminished systemic oxidation and of blood pressure.

“On the other hand, several observers have reported that the flow of urine was increased by the use of alcohol. From as full an examination of the subject as I have been able to make, it appears that the diverse results obtained have depended upon the previous habits of those experimented on, and the widely varying quantities of water drank with the alcohol. When the alcohol is taken with large quantities of water, as is usual with those who use beer and fermented drinks generally, the total amount of urine passed is usually increased, but not more than is found to result from taking the same quantity of water without any alcohol. When alcoholic drinks are taken by those already habituated to its use, it has less marked effect on the quantity and quality of the urine than when taken by those who had previously been total abstainers. This was illustrated by the experiments of Mohilansky on the fifteen men, some of whomwere habitual drinkers, some occasional drinkers, and others total abstainers. When all were subjected to the same diet and drinks, with alcohol, in two the daily amount of urine voided remained unaltered, in five it was increased seven per cent., and in eight it decreased twelve per cent. But whatever may be the variations in the mere quantity of urine voided under the influence of alcohol, the alterations in quality pretty uniformly show an increase in the products of imperfect internal metamorphosis or oxidation, such as uric acid, oxalates, casts, leucocytes, albumen and potassium, with less of the normal products, as urea and salts of sodium.

“During the past year I have met with three cases in which the regular daily use of alcoholic drinks for several months, in quantities not sufficient to produce intoxication, had so altered the blood, and the renal function, that the urine contained both casts and albumen, and some degree of œdema was observable in the face and extremities. These changes were so marked as to justify a diagnosis of incipient nephritis, or Bright’s disease. Yet after totally abstaining from the use of alcoholic drinks and remedies, and taking such vasomotor tonics as strychnine and digitalis, with a regulated diet and fresh air, they completely recovered.

“When it is remembered that in diphtheria, pneumonia and typhoid fever, the acute diseases in which a large part of the profession administer most freely alcoholic remedies, the function of the kidney is altered in almost the same direction as are found to take place under the influence of alcohol, it should certainly cause every practitioner to pause and critically review the pathological basis on which he has been prescribing. An anæsthetic, like alcohol, may certainly render a patient with diphtheria, pneumonia or typhoid fever more quiet, and cause him to say he feels better, but if it at the same time diminishes the internal distribution of oxygen, retards the oxidation and elimination of waste and toxic products through the kidneys and lungs, and lessens vasomotor force, it cannot fail to protract the duration of disease, and increase the ratio of mortality.”—Dr. N. S. Davis, A. M. T. A. Quarterly, April, 1894.

Dr. J. H. Kellogg, by a series of carefully executed experiments, conclusively demonstrated that alcohol hinders the elimination of poisonous matter by the kidneys. This property of alcohol is one of the objections which he sees to its use as a medicine. He says:—

“Water applied externally stimulates elimination by the pores of the skin, and employed freely internally by water drinking, and enemas to be retained for absorption, aids liver and kidney activity. If the patient dies it is because his liver and kidneys have failed to destroy and eliminate the poisons generated with sufficient rapidity to prevent their producing fatal mischief in the body.”

Contraception: Good or Bad

With the moral and social aspects of birth-control there is no need to deal further, except to say that they have recently been endorsed in England, with fine grace and high authority, by Lord Dawson of Penn (one of the King's Physicians), in an address given before the Church Congress at Birmingham, on October 12th, 1921, which has since been republished by Messrs. Nisbet at a shilling, under the title of "Love—Marriage—Birth-Control." The following short extract may be quoted here:—

"Generally speaking," says Lord Dawson, "birth-control before the first child is inadvisable. On the other hand, the justifiable use of birth-control would seem to be to limit the number of children when such is desirable, and to spread out their arrival in such a way as to serve their true interests and those of their home."

As to the prevention of venereal disease, as I have said, what we must aim at is not merely the prevention of sin, but the prevention of the poisoning of the sinner; for, if not, we shall have blind babies, invalid wives, and ruined husbands: broken-hearted and broken-bodied mothers adding one fragment after another to the Nation's pile of damaged goods.

To the great-hearted public this is becoming intolerable. But they know so little, and they wait so long for what the wise ones fear to tell. Not all these fears are sordid; there is a kind and gracious reluctance to shatter ideals. It is hard at times to combine beauty and duty. The way of the truth-teller is not made easier by charges of iconoclasm. "To know all is to forgive all"; that is not paganism but Christianity. So also, "Let him that is without sin cast the first stone." "To err is human: to forgive divine." Humanity, wisdom, tolerance, are wrapped up in these sayings. Yet when we think, as think at times we must, of the romantic faith that once was ours, contrasted with the realities of present experience, sex seems to have lost something of its soul of loveliness. And yet—can it ever regain this till men and women are at least clean?

If not—if the immoral man cannot be made better but rather worse, much worse, by needlessly infecting him with syphilis, then clearly the ideals of beauty and duty demand that we should apply effective sexual sanitation to the Nation until such time as we are all, every one of us, free from venereal disease. That time is not yet—and this is the essence of the whole problem. But victory is within sight. When it comes—then, and not till then—sex will regain its soul of loveliness. To this end—

"Let knowledge grow from more to more,
But more of reverence in us dwell,
That mind and soul, according well,
May make one music as before,
But vaster."

Tennyson.

medical formulæ for venereal disease preventive ointments for men

The medical formulæ for venereal disease preventive ointments for men, and venereal disease preventive suppositories and ointments for women, should be decided upon, after thorough investigation and test, by the Departments of Public Health, and none other should be permitted to be sold. Printed directions should be issued, duly authorised by the Departments of Public Health, and no other directions should be supplied to the public with the venereal disease preventives. In these respects, to the best of my belief, the Division of Venereal Diseases of the Pennsylvania Department of Health, co-operating with the United States Public Health Service, will play the leading part; is, indeed, already doing so. Under the direction of Dr. Edward Martin, Commissioner of Health, and Dr. S. Leon Gans, Director, Division of Venereal Diseases, specimen tubes are tested and approved (with directions and other printed matter)[O] by the Health Laboratories of the Department; and certificates are issued to manufacturing chemists authorising the manufacture of ointments made in accordance with approved formulæ. Requests are made officially by the Department to retail chemists and druggists to sell, and to medical practitioners to recommend, suitable venereal disease preventives to the general public in a proper manner. In time it will probably be found advisable to authorise only a standard type of tube—preferably the metal tube with elongated nozzle and expanded metal cap—filled with one simple self-disinfecting ointment.

It has been found that the 30 per cent. to 33 per cent. calomel ointments (and suppositories) are not suitable in all cases; and careful investigations are being made to ascertain the best germicide to use. Whatever is used must be non-irritating, odourless, stainless, and yet strongly antiseptic. It is possible, I think, that chinosol[P] best fulfils the required conditions. It was first suggested by Surgeon-Commander Hamilton Boyden, R.N., of the Whale Island Gunnery School, England, who was led to choose it because of its known usefulness in ophthalmic work. It does not matter to the general public what drug is finally selected; all that matters is that it should be of proven value for the purposes required. Women can help forward this great work by deciding in their own mind: (1) That the medical prevention of venereal disease is right and wise; and (2) That the authorisation by the Public Health Departments of efficient means of preventing venereal disease will consequently have their support.

We must all of us first learn to separate the moral from the medical campaign. Both are necessary, but they must be conducted independently. America is doing this; England is not. In England venereal disease is still officially regarded as something to be discussed; in America—as something to be destroyed. Thus America is winning and England losing the battle against the venereal microbe. The Overseas British Dominions will undoubtedly follow the lead of America—particularly that of Pennsylvania. Hence, these newer countries may have a glorious future, England—only a splendid past.[Q]

Practical Methods of Prevention of Venereal/ Sexually Trasmitted Diseases in Men

Practical Methods of Prevention of Venereal/ Sexually Trasmitted Diseases in Men

Marriage cannot be made safe, of course, so long as men are permitted to contract venereal diseases, and spread them. Early marriage will greatly lessen the chances of this; tolerated houses under effective medical supervision (such as we had in Paris during the War)[I] would enormously lessen the chances of infection, even where marriage was delayed or interrupted; prophylactic depots where disinfection was properly applied, and efficiently taught on request, would be invaluable; but it is at present from self-disinfection, properly understood and efficiently applied, that the community can hope for the greatest and most immediate gain in sexual cleanliness.[J] The following were the directions I gave the Anzacs during the war, distributing these with prophylactics for men and for women (the directions for women being printed in French and English); this action was endorsed by all the leading British, American and French military and medical authorities, from the Commanders-in-Chief downwards, and the effort undoubtedly saved many thousands of men from damage and ruin:—

"AVOID INFECTION.

"If you become infected with V.D., the fault is really your own. Either do not risk infection at all, or, risking infection, take proper precautions. These are quite simple. If you take the following precautions without delay you are very very unlikely to contract disease:—

1. Use vaseline or some other grease (such as calomel ointment) beforehand, to prevent direct contact with the source of infection.*

(* Note: Any personal discomfort or unpleasantness grease causes is counteracted by the woman's having douched beforehand, as should always be done for the sake of cleanliness. A mere film of grease is sufficient to fill up pores of the skin, cover over abrasions, and prevent penetration of microbes, and it greatly facilitates subsequent cleansing.)

2. Urinate immediately after each connection to wash away all infective material, and to prevent the invasion of the urethra by the microbes of V.D.

3. Wash thoroughly with soap and water, because ordinary soap is destructive to germs—of syphilis and of gonorrhœa—and bathe parts with weak solution of pot. permang.

You had far better carry a blue-light outfit with you as a "town dressing," in the same way as you would carry a "field dressing." If you cannot get an outfit, carry a tiny bottle of pot. permang. lotion and a scrap of cotton wool. If you swob yourself carefully with this, you will not become diseased. Remember always it is delay that is dangerous. If there has been delay, use a syringe sufficiently large for the contents to flood the urethra and slightly distend it, so that every nook and cranny is cleansed.

Whatever you do, make certain of going home clean. Be sure of your health and doubly sure before you embark. While you are in the army and on this side of the world you can be cured easily and privately. If you go home infected, there will be embarrassment and expense to yourself and great danger to the women and children you love.

Get cured NOW." (Paris, April, 1919).[K]

It was clearly proved that so long as men took these simple precautions (which I always explained personally) they were very unlikely to contract disease; most cases of disease came from multiple connections with the women of the cafes, etc. It was difficult to impress on ordinary men's minds the fact that each and every connection was a danger; that the danger of infection began immediately there was any contact, and that it continued until disinfection, and was renewed as well with each fresh connection during the night. If the danger had continued for several hours in this way, the men were told to go to the medical depot or report to a doctor as soon as possible. When they did so they were saved from disease in the vast majority of cases, even up to twenty-four hours afterwards or a little longer.[L]

Nevertheless, the people who would put sacerdotalism before science, and the still meaner minds who would substitute legality for morality, raised storms of objection to my work, in the midst of which came a few strong, clear calls of understanding and encouragement.

One Scotch padre wrote me in 1918:—

"It is a magnificent adventure for a woman to go practically alone on the very edge of things, and I salute you, and congratulate you, and wish you God-speed."

An old family doctor, then with a colonial ambulance, wrote:—

"Many women ... will owe their health and happiness to you, and not a few will be indebted to you for their lives."

The editor of the Sydney Bulletin (Australia) was continually publishing helpful articles and paragraphs—after my letters and articles were censored;[M] and from Dr. W.H. Symes, of Christchurch, New Zealand, I heard by personal correspondence steadily and wisely all through the war. Much later came the following tribute, in a most valuable book written by Sir Archdall Reid and Sir Bryan Donkin ("Prevention of Venereal Disease," published by William Heinemann (Medical Books) Limited)[N]:—

"Sir Bryan Donkin's letter, which appeared in The Times, in January, 1917, and other communications which he published as opportunity offered, brought him an introduction from Sir J.W. Barrett, M.D., then serving as A.D.M.S. with the Australian Force in Egypt, to Miss Ettie Rout, who, by profession a journalist, had come with the Australian and New Zealand Forces with the object of ameliorating, as far as possible, the hardships of war. She had been horrified by the pestilence of venereal disease which broke out among the troops in Egypt, England, and elsewhere, and, with extraordinary resolution and courage, had embarked almost single-handed on a campaign of prevention. She furnished Sir Bryan, and later myself also, with much valuable information, and for her own part fought the battle most strenuously—living among the men, lecturing, finding and instructing lecturers, providing disinfectants, importuning authorities, writing most trenchant letters, establishing medical clubs in England and France, and the like. I think that when the names of those who opposed her are forgotten, the memory of this brave lady will still be green among the descendants of the valiant men for whose welfare she struggled"—p. 176-177.

ALCOHOLISM.

It should be noted here that another great difficulty we had was to make men beware of the dangers of drink. A man who is in liquor is much more liable to contract venereal disease than a man who is sober. Alcohol increases sexual desire, lessens sexual ability, and lowers the sense of responsibility. Hence, drunkenness, immorality and disease go hand in hand: a dreadful three. But more than this. The drunken man takes much longer over the sex-act, thereby prolonging the risk of disease, and he runs risks which he would rule out instantly if the fumes of alcohol had not changed the tawdry girl into the glittering fairy. Worse than all, he neglects to apply disinfection properly and promptly—he falls asleep or forgets all about it till too late. Men who are determined to have a "night out" should use calomel ointment (or some other substitute) before they start; and if they have been in liquor they should disinfect instantly when they recover their sober senses. Generally speaking, an ounce of calomel is worth a ton of salvarsan.

As with young men, so with young girls: a few glasses of wine taken at a supper or a dance—and the first downward step is taken, not because any wrong was intended, but the simple actualities of sex were unknown, and the stimulant took advantage of the ignorance that is miscalled innocence. This kind of thing will continue till the older generation realise that morality depends—not on the maintenance of ignorance and the fear of disease, but on the spread of knowledge and the promotion of virtue.

It is not morality, but caution, that is developed by fear, and in this case caution is counteracted by the practical experience that many men are immoral without becoming diseased. One man commits many immoral acts and suffers not at all; another man becomes syphilitic by yielding for the very first time; the penalty is purely fortuitous. There is no necessary connection at all between immorality and disease. The dangers of sexual intercourse are due to dirt and promiscuity rather than to immorality, and in part to the physical conformation of the individual. Virtue has far deeper and more substantial foundations than the mere gusts of fear. It is founded on necessary and responsible guardianship of the very gates of life.

SEXUAL TOILET OUTFIT.

SEXUAL TOILET OUTFIT.

To begin with, it is necessary to obtain suitable sexual toilet outfit, and the requirements for this are as follows:—

Enamel bidet, soluble suppositories, suitable syringe, and properly-fitting rubber pessary. These are illustrated below

1. Cleanliness.—Sexual control is largely a matter of sexual cleanliness. We must all learn to keep the genital passages cleansed in the same way as we keep all the other openings of the body clean. The ears, eyes, nostrils, mouth, anus, orifice to the urethra, and the vagina should be appropriately cleansed daily. The openings of the body which stand most in need of daily cleansing are the anus and the vagina, and yet many women fail to cleanse these properly at all. Every home should have a suitable bidet (preferably fitted into the bath-room, with hot and cold water attached), and every member of the family should be trained from childhood to use the bidet, night and morning, with the same care and regularity as they use their sponge or toothbrush. All over the Continent and in the United States of America this is done in well-ordered households nowadays, but hardly anywhere in the British Empire is it done at all.

2. Soluble Suppositories.—Generally speaking, the soluble quinine pessaries or suppositories which are sold in the shops are unreliable. Several brands have recently been analysed and found to contain no quinine at all—or particular pessaries have been without sufficient quinine. Quinine is fatal to the spermatazoa, and without it these pessaries are simply pieces of soluble cocoa-butter. Cocoa-butter is the substance generally chosen for cheap soluble pessaries, because it is easily obtainable, and has what is called a sharp melting point—that is, it dissolves or melts very suddenly and readily at body-heat, but is solid below that heat. Cocoa-butter in itself is quite harmless—usually non-irritating (unless it is "rancid")—and it gives some mechanical protection, in the same way as vaseline or any kind of fat or oil would do, provided, of course, it is in the right place to catch and entangle the spermatazoa and thus prevent their uniting with the ovum. Research and experiment have proved conclusively that no spermatazoa—indeed, no microbes or germs of any kind—can pass through a film of oil. But if the protective covering of grease is incomplete at any point, it may there prove ineffective, and there is no chemical protection whatever if the particular germicide relied upon, such as quinine, has been omitted. Quinine is sometimes omitted on the ground of expense, and sometimes because it proves irritating to many women. Only really suitable suppositories, guaranteed to be made in accordance with accredited medical formulæ, should be used. These suppositories should be composed of specially selected and tested fats, should be soothing and cleansing, as well as protective; should be stainless, odourless, and quite non-irritating. If they do cause any woman discomfort temporarily, vaseline or soap-suds could be substituted, but might not be quite so certain to prevent conception.

3. Syringe.—The ordinary enema is not a particularly suitable appliance for the purpose of douching. The kind of syringe required is one which will not only flood the vaginal passage with warm water or very weak antiseptic lotion (such as dilute solution of lysol), but one which is sufficiently large for the contents on injection to distend slightly the walls of the vagina, straighten out their folds and furrows, and thus let the cleansing and protecting lotion touch every part as far as possible. A movable rubber flange is necessary to act as a stopper at the mouth of the vagina, and thus enable the woman to retain the lotion for a minute or so. Care should be taken, when filling the syringe, to express all the air from it—by filling and refilling it two or three times with the nozzle under water; otherwise the first thing put into the vagina would not be warm water or antiseptic lotion, but simply a large bubble of air.

4. Soluble Suppositories and Rubber Pessaries.—It is quite true that the use of a suitable soluble suppository alone may be sufficient to protect against impregnation, but the protection by this means does undoubtedly fail at times, and therefore, by itself, the soluble suppository is unreliable. Still it eliminates the majority of the chances of impregnation. The use of the rubber pessary is also sometimes unsuccessful because it does not fit properly, or because it is porous, or because in removing it some of the seminal fluid from the under-surface may be accidentally spilt in the vagina, and in this way the spermatazoa may later find their way upwards to an ovum. Therefore, the soluble suppository and the rubber pessary should be used in combination. A woman should first push up, as far as possible, a suitable suppository, and then insert the rubber pessary (slightly soaped—with soap-suds), so as to occlude the whole of the upper part of her genital passage and thus cover the mouth of the womb and effectively prevent entrance of the spermatazoa. The rubber pessary must in the first instance be fitted by a doctor, because if it does not fit properly it will be ineffective. The seminal fluid may pass by its loose rim and impregnation may result. If the rubber pessary has been properly fitted, and it is not porous, the protection should be complete; but if, by any accident, spermatazoa should get beyond the rubber pessary, they will be destroyed and tangled in the melted suppository—provided, of course, that a suitable suppository has been used. It is all a question of getting the right articles to begin with and using them intelligently. But there is this chance—a bare chance—of accidental impregnation, and we want to eliminate all chances, if possible. Assuming the rubber pessary fits properly, as it will if skilfully selected and applied in the first instance by a competent medical practitioner, then the seminal fluid must remain in the lower part of the vaginal passage. An hour or two after intercourse, or next morning, this seminal fluid can all be washed away by the use of syringe and bidet. It is far better to sit over the bidet and syringe in that position than to squat down over a basin—an uncomfortable and unsuitable position for douching, because the walls of the vagina in that position may be pressed hard together. The fluid should be retained in the vagina for a minute or two, by pressing the flange of syringe closely against the orifice of the vagina. After syringing, but not before, the rubber pessary should be removed (to be washed with soap and water, dried carefully, and put away till required again), and immediately after removing the rubber pessary it is a good plan to facilitate the ejection of the surplus fat of the suppository by urinating and re-syringing. It is quite easy for a woman to insert and remove these rubber pessaries for herself as occasion requires, provided that whilst inserting and removing the pessary she has placed her body in a suitable posture—say, lying on the back with knees drawn up, sitting on bidet, or standing with one foot on a chair, or whatever other position she finds suitable. A doctor's help is needed only when first selecting the right size of pessary. The pessaries are made in ten different sizes, each size being numbered, and the right size can always be obtained on order. No harm may come from wearing the pessary for a day or two, but it is highly desirable as a matter of cleanliness and otherwise to remove the pessary in the morning when performing the sexual toilet. The pessary should, of course, never be worn during the menstrual period. A good rubber pessary should last from three to four months, and it should be tested occasionally by filling it with water to see that there is no hole in it. If it has been fitted shortly after a miscarriage or confinement, refitting is desirable at the end of a few months. But in normal circumstances refitting is not necessary.

PREVENTION OF CONCEPTION.

PREVENTION OF CONCEPTION.

PREVENTION OF CONCEPTION.

For many reasons which I need not enumerate here, the precautions against impregnation can most easily and effectively be taken by the woman, rather than by the man. She is the one fertilised, and therefore she is the one to guard herself against fertilisation.

There are two methods of preventing fertilisation:—

(1) The chemical method, that is, the destruction of the male cells (spermatazoa) by means of a suitable germicidal substance, such as many of the disinfectants; and

(2) The mechanical method, that is, the adoption of measures which keep the male and the female cells apart from one anothe

Neither of these two methods in practical application by ordinary women can be said to be completely certain. Both are apt to fail at times. The chemical method, that is, the application by the woman of a suitable soluble contraceptive suppository before connection, or of a germicidal douche (such as a dilute solution of lysol) after connection, or both these measures taken consecutively, may fail because of some fault in application, or because the seminal fluid actually enters the womb during intercourse; that is to say, when emission takes place, the end of the male organ may be exactly opposite and close to the mouth of the womb, and the spermatazoa in the seminal fluid enter directly into the womb, and cannot then be removed or destroyed by douching or contraceptives of any kind. Now if the physical conformation of the reproductive organs of the husband and the wife render this event possible or probable, then soluble suppositories and contraceptive douching are alike unreliable, by themselves or in combination. On the other hand, the mechanical method, that is, the use of a rubber protector, preferably the spiral-spring occlusive [G] "Dutch" pessary, by the woman may also fail, because the protector is porous or ill-fitting. But—if the two methods are combined, the chemical method and the mechanical method, then the protection against fertilisation may be regarded as almost absolute. The completeness of the protection depends, of course, upon the proper application and combination of the measures advised.

Diagram .—The Fallopian tubes and ovaries are not shown on Diagram 1. There are two ovaries and two Fallopian tubes, one on each side of the uterus. The female cells or ova are formed in the ovaries and discharged into the Fallopian tubes, along which they travel into the uterus. It is believed that the union of the male with the female cell usually occurs in the Fallopian tubes, but that it may occur in the uterus.

SEXUAL REPRODUCTION

PRACTICAL METHODS OF PREVENTION

SEXUAL REPRODUCTION.

To understand the practical methods of birth-control, or the control of conception, we must first have a clear view of the processes involved when the reproductive organs are in activity, and of the nature and situation of the sexual organs themselves. The diagrams on this webpage show in general outline the reproductive organs of man and woman.

Diagram 1.—Female organs of generation in normal condition. This shows diagrammatically the position of the organs if a woman were cut in two between the thighs. The rubber pessary is shown in position, slightly distending upper end of vagina (or front passage), and covering the opening into interior of womb. A suppository introduced beforehand will dissolve and occupy the dotted space above rubber pessary, forming a pool around the mouth of the womb. The walls of the vagina are elastic and collapsible. Infection with gonorrhœa may occur in the female urethra (or water passage) or in the vagina, etc. Syphilis may infect internal and external parts of female organs; also breasts, mouth, tongue, etc., and other openings of the body.


Now fertilisation does not necessarily occur whenever the male organ comes in contact with the female organ. Fertilisation occurs only when a male-cell (spermatazoon) unites with a female-cell (ovum); in other words, when the spermatazoa in the seminal fluid of a man meet and unite with the germ or ovum in the body of a woman. That is the beginning of the child. This union of the two cells need not take place during or immediately after sexual intercourse. It may occur many hours, or even two or three weeks, after connection, because the spermatazoa have motion of their own. They are tiny threadlike bodies, which may work their way towards the ovum long after they have left the body of the man and been placed in the body of the woman, and the uterus has a searching movement, and may by its pulsations draw the spermatazoa upwards. For these reasons a woman cannot be quite sure of the exact time of fertilisation, and hence cannot predict exactly the date of the child-birth. Generally the pregnancy lasts nine months, but it may last longer—say ten months on rare occasions; and it may be extended apparently by a delay in fertilisation.

Introduction to Safe marriages

Introduction to Safe marriages

At present marriage is easily the most dangerous of all our social institutions. This is partly due to the colossal ignorance of the public in regard to sex, and partly due to the fact that marriage is mainly controlled by lawyers and priests instead of by women and doctors. The legal and religious aspects of marriage are not the primary ones. A marriage may be legal—and miserable; religious—and diseased. The law pays no heed to the suitability of the partners, and the Church takes no regard for their health. Nevertheless, the basis of marriage is obviously mating, or sexual intercourse. Without that there is no marriage, and with it come not merely health and happiness but life itself. Cut out sexual intercourse, and society becomes extinct in one generation. Every generation must, of necessity, pass through the bodies of its women; there is no other way of obtaining entry into the world. Hence, it is clearly the duty of women to understand precisely the processes involved, from beginning to end.

With the lower animals sexual intercourse is desired only seasonally, and only for the purpose of reproduction. With the higher animals—man and women—sexual intercourse is desired more or less continuously throughout adult life, and desired much more for romantic than for reproductive considerations—that is, for the sake of health and happiness rather than for the sake of procreation only. A few women, and still fewer men, have no sexual desires. To them sexual abstinence seems more natural than sexual satisfaction. But for the majority of mankind and womankind—for all normally healthy men and women—there is this continuous desire to be happily mated.

For the sake of health and happiness there is everything to be said for early marriage, but better late than never.[A] The chief obstacles to early and happy marriage are financial, and these would largely disappear if women were able to control fecundity. The chief obstacles to healthy marriage are the venereal diseases, and these could be extirpated in two or three generations if sexual cleanliness was properly taught to all adults, and if promiscuous intercourse was properly regulated during the same period. Unfortunately most women's idea of regulating promiscuous intercourse is to have none of it. This is impossible in the present stage of moral evolution, but it will become increasingly possible as we succeed in extirpating the venereal diseases, particularly syphilis. Syphilis is the one great cause of immorality, because persons born with a syphilitic taint (and what family is entirely free from this hereditary disease?) are apt to be mentally and morally deficient; hence, tend to indulge in anti-social and unnatural practices, such as engaging in promiscuous intercourse.

The normally healthy man is a highly selective creature, and the normally healthy woman still more fastidiously selective in romantic relationship. Neither man nor woman is naturally in the least attracted by promiscuous intercourse. On the contrary, it is repugnant to both. Both regard the elements of romance, reciprocity and permanence as essential. These elements are present in marriage and absent in prostitution. Therefore, it is beneath the dignity of any decent, intelligent woman to suppose that promiscuous relationship can ever be as happy and satisfying and attractive as marriage. This, apart altogether from the fact that marriage is fertile and prostitution infertile. No, both man and woman desire love-relationship, not loveless-relationship; and they are really quite fit to be trusted with the evolution of the race through passionate love and the worship of beauty, as soon as society makes harmonious provision for their normal sexual needs. Until society does make early marriage practicable for all healthy adult men and women, say between twenty and twenty-five years of age, extra-marital relationship, however undesirable, is inevitable, because there are many men to whom, at times, any woman is better than no woman.

But extra-marital relationship is never even safe, because of its promiscuity and impermanence, except in properly conducted and effectively supervised tolerated houses. The tolerated house is absolutely necessary at present to protect women from disease and immorality, by confining this kind of intercourse as far as possible in certain definite channels. The abolition of the tolerated house spreads both disease and immorality into classes of women who would otherwise be immune, and enormously increases the dangers of promiscuous intercourse. Separated from their toilet equipment the women cannot make and keep themselves clean; on the streets they are not taught to refuse intercourse with diseased men; thus their occupation becomes more and more dangerous as medical supervision is removed. They inevitably become diseased; sometimes contract mixed infections, which they pass on to their clients—the future husbands and fathers of the nation—and "The sins of the fathers are visited upon the children even unto the third and fourth generation." All this would be impossible if women generally would recognise the primary fact that because a man is immoral that it is no reason why he should become syphilitic. We all want to abolish sin, but failing that we must cease wanting to poison the sinner. We must actively work to save him from the penalties of his folly, for that is the only way in which we can save his victims and succeed ultimately in "Making Marriage Safe."

Similarly every effort should be made to prevent women becoming diseased, no matter how immoral they may be. The prostitute is very often a woman of peculiar mentality or overdeveloped animal instincts; and many women are driven to prostitution by drink and poverty. The prostitute class is largely recruited from mentally and morally deficient girls, who are themselves the offspring of syphilitic or alcoholic parents. Prostitution is the effect—not the cause—of anti-social acts and conditions. We must remedy the causes of these before we can hope to remove the effects. Under present social conditions, attempting to abolish prostitution by shutting up tolerated houses is just as idle as attempting to lower the temperature of a room by smashing the thermometer. All we can do is to make and keep these women clean. If we decline to do even that, then diseased women will succeed in contaminating our men much faster than we can instruct the men in sexual cleanliness.[B]

And again, just as the medical prevention of venereal disease was not proposed, and has not been applied for the purpose of fostering or condoning promiscuous intercourse,[C] so the conscious control of fecundity by contraception must not be applied in such a way as to lessen the proportion of well-born citizens in the nation taken as a whole. Birth-control applied only by the responsible classes of the community combined with indiscriminate fecundity among the irresponsible masses, must inevitably lead to the lowering of the general average in character, brains and physique. It is a form of reverse selection—the responsible being out-bred by the irresponsible. What is wanted is the general application of birth-control by voluntary contraception, and the particular application of voluntary and compulsory sterilisation of the feeble-minded and unfit.

Enthusiastic advocates of birth-control claim it as a means of improving the race. It is not necessarily anything of the kind. You cannot improve a flock of sheep or a herd of cattle by letting all the individuals breed; whether each individual has a small number or a large number of offspring makes comparatively little difference. The way to improve the flock or herd is to breed only from the best and eliminate the unfit as breeding material. Changes in environment may improve or deteriorate the individuals of one generation, but such changes are not inheritable, excepting in the case of venereal disease. Syphilis, e.g., may damage the germ-cells of a man's body, and thus lead to his procreating diseased and damaged offspring—idiots, imbeciles, mental or moral deficients, and so forth, who unfortunately are fertile. Thus the prevention of venereal disease is a eugenic force. It is in fact the only eugenic force in operation at present. Generally speaking, it is the well-developed and high-spirited and enterprising young men who travel most, and who, therefore, are most likely to contract and spread venereal disease. They come in contact with a much larger number of women than those who stay at home instead of wandering abroad. These well-to-do young travellers often marry the finest of our women, and later in life damage or sterilise them through latent or chronic venereal disease. Hence many one-child marriages—due not to the use of contraceptives, but to the action of the gonococcus transferred to the body of the wife.

But there is this hope. It is among the mentally alert and well-informed men and women that birth-control is first understood and applied, and it is among this very same class that the medical prevention of venereal disease is also first understood and applied. Thus, there will tend to be less disease among this class than among the mentally torpid and ill-informed masses of the community. This in itself will not improve the race, but it will prevent the deterioration of certain classes and increase their numbers. Nevertheless, so long as the irresponsible and feeble-minded and diseased are permitted to multiply indiscriminately, as at present, they must ultimately outnumber and overwhelm the classes which are practising self-restraint or applying birth-control. This process may even be hastened by a political enfranchisement, which enables twelve feeble-minded persons to outvote two wise men six times over. Thus, to succeed democracy must raise and maintain the general average of brains and character throughout the community. In so far as it permits low-grade individuals to be born in the homes of the masses, and high-grade individuals in the homes of the classes, it is manufacturing a rod to thrash its own back, successful rebellion against which mode of Government ends in mere anarchy and chaos.[D]

One duty at any rate is quite clear. No woman should run any chance of conception unless she is certain of her own health and the health of her partner—the man who is to be the father of the child she is to bring into the world. If her husband's health is unsound, and she cannot avoid intercourse, she can certainly take precautions against conception and against infection. The control of fecundity and the control of infection are parallel problems, and generally speaking, the measures a woman takes to prevent conception will also prevent infection. If these precautions are not taken, a woman may not only become seriously ill herself, but she may blast the health of her unborn babe—or infect it herself during or after birth. Clearly then it is her personal, as well as her maternal and national, duty to apply preventive measures.

Women should understand that there is always a great deal of venereal disease—millions of fresh cases every year in the British Empire. During the war there were about half-a-million fresh infections per annum among the soldiers in the British armies alone—about two million men infected altogether at the very least.[E] Some were cured, others patched up; some very badly treated; some not treated at all; many demobilised while in an infective condition, and thus liable to come home and sow in the bodies of clean women the seeds of diseases picked up in foreign lands in moments of excitement and folly. Blame these men if we must, but in all fairness let us ask ourselves: Who infected them? And the answer is: Diseased women.

The venereal diseases are passed on from one sex to the other in a continuous chain, but the chain can be broken at any time by either sex. And now it is the married women on whom we must rely to see that these infections are stopped. Leaving women to the chance protection of their partners is demonstrably a failure. Here is an extract from a letter sent me recently by an old and experienced medical practitioner:—

"I have had many women under treatment who have been continually re-infected by their husbands."

Men and women must both seek knowledge and both accept responsibility for the venereal problem. They must face this problem independently and in co-operation, and above all—face it honestly. There is no other way.

It is all very well to say that the man is responsible. That is only a partial truth.[F] The woman is equally responsible as soon as she is equally well informed. A woman's body is her own, and she will never be really free until she knows how to look after it properly. If she is fit to vote, fit to pay taxes, fit to hold her own estate under the Married Women's Property Act, why should she not learn to exercise intelligent and responsible control over her own self? Why do so many women allow themselves to be impregnated and infected against their will? Because they do not understand the construction and functions of their own body. When they do understand this, they will guard their own health as carefully as they guard their reputation. They will then not only keep their own sexual organs scrupulously clean, but they will encourage their husbands to do the same. Sexual intercourse is far more refreshing and exhilarating in every way when both husband and wife have cleansed their parts immediately before enjoying it. It is only natural that both should wish to be sweet and clean before approaching the closest of all bodily intimacies.

But more than this. Every well-informed woman knows that there is far more venereal disease in the world to-day, among men and among women, than there was before the war, and she should train all the members of her household in habits of strict cleanliness. Instinctively they will then avoid risking their health by contact with a possible source of defilement, or if the risk has most unfortunately been taken, they will instantly and instinctively remove and destroy the possible infection, in the same rapid and effective way as they would cleanse their boot from filth accidentally coming in contact with it. By all means let the mothers continue to inculcate virtue, but they should also teach sexual cleanliness directly and indirectly, themselves setting the example. After all, the microbes of venereal disease grow almost exclusively in the genital passages, and if these were kept sweet and clean there would soon be an end to venereal disease. It is not a matter of making vice safe: it is a matter of making marriage safe: a matter of restoring and maintaining physical health, family and national, and above all, of protecting innocent women and children, for if vice has its dangers so also in these days has innocence its own peculiar perils, and it is the cry of these victims—often so young and so fair—that must affect us most deeply.

More than fourteen years ago, Mr. George Bernard Shaw, in the Preface to "Getting Married," wrote the following regarding "The Pathology of Marriage":—

"As to the evils of disease and contagion, our consciences are sound enough: what is wrong with us is ignorance of the facts. No doubt this is a very formidable ignorance in a country where the first cry of the soul is, 'Don't tell me: I don't want to know,' and where frantic denials and furious suppressions indicate everywhere the cowardice and want of faith which conceives life as something too terrible to be faced. In this particular case, 'I don't want to know' takes a righteous air, and becomes 'I don't want to know anything about the diseases which are the just punishment of wretches who should not be mentioned in my presence or in any book that is intended for family reading.' Wicked and foolish as the spirit of this attitude is, the practice of it is so easy and lazy and uppish that it is very common, but its cry is drowned by a louder and more sincere one. We who do not want to know, also do not want to go blind, to go mad, to be disfigured, to be barren, to become pestiferous, or to see such things happening to our children. We learn, at last, that the majority of the victims are not the people of whom we so glibly say, 'Serve them right,' but quite innocent children and innocent parents, smitten by a contagion which, no matter in what vice it may or may not have originated, contaminates the innocent and the guilty alike, once it is launched, exactly as any other contagious disease does; that indeed it often hits the innocent and misses the guilty, because the guilty know the danger and take elaborate precautions against it, whilst the innocent, who have been either carefully kept from any knowledge of their danger, or erroneously led to believe that contagion is possible through misconduct only, run into danger blindfold. Once knock this fact into people's minds, and their self-righteous indifference and intolerance soon change into lively concern for themselves and their families."

The facts seem so plain, and yet there is still great opposition to the promotion of a knowledge of sexual cleanliness and self-disinfection. Only a short time ago (the end of 1920), Sir Frederick Mott, the great authority on syphilis, felt obliged to oppose some opponents of self-disinfection at a public enquiry in London in this fashion:—

"The point is that large numbers of innocent women have suffered from disease. They are rendered sterile, have miscarriages and abortions, and large numbers have been ruined. I have been connected with the London County Asylums for twenty-five years, and I have seen in those asylums people from all states of society, and I have seen them die of general paralysis. Five per cent. of the people who get syphilis, in spite of treatment, develop this disease. That is only one aspect of it. I was on the Royal Commission on Venereal Disease, and Sir William Osier, who was a great authority, said that he could teach medicine on syphilis alone, because every tissue in the body is affected by it, and that the diseases of blindness, deafness, insanity and every form of disease may be due to syphilis. You have only to consider the effect that it had upon the army, and I understand that more than two army corps were invalided during the war on account of venereal disease. What have you to say to that? Does not that create some anxiety?"

It is difficult even to read this eloquent appeal—the more eloquent perhaps because it was quite unpremeditated—without being deeply moved. Yet the witnesses opposing Sir Frederick Mott were apparently unaffected. Of them, as of men of old, it might justly be said:—

"He hath blinded their eyes, and hardened their heart; that they should not see with their eyes, nor understand with their heart, and be converted."

And now large numbers of hospitals all over the Empire are issuing appeals for the means to treat venereal disease.

"It is tragic," says one London hospital, "to see the sufferers—men, women and even little children—innocent little mites, knowing not from what they suffer or why they should. It is thought by many that venereal disease is a sign of guilt, but large numbers of our patients are innocent victims."

Is it not time then that we all stopped repeating timid platitudes about making vice safe, and did something practical to make marriage safe?

Why don't we?

Is it because we are afraid to define the terms we use so glibly? We talk of promoting chastity, for example. What is chastity? Surely chastity is happy, healthy sexual intercourse between a man and a woman who love one another; and unchastity is sexual intercourse between those who do not love one another. No sexual intercourse at all is neither chastity nor unchastity; it is the negation of both, and it ends in extinction. Why trouble so much about a negation that inevitably means racial death? Why not devote ourselves to life and love; to the building of a happy healthy human family—a family that instinctively realises that the clean blood-stream of a nation is its most priceless possession?

But the national blood-stream can never be clean until there is a complete knowledge of sexual control and sanitation among all of us, and especially among women. One of the very first things which women must learn to understand is the control of conception and the control of venereal diseases. They must learn how to prevent the birth of the unfit; how to secure the birth of the fit; and even though their husbands are infective they must learn how to break the chain of infection in their own bodies, so that what is bad for the race does not become worse. If women are brave enough and wise enough, they can in most cases wipe out the scourge of venereal diseases from their own hearths and homes, and ensure that every child born is at least physically fit. But this cannot be done without knowledge, and that knowledge is at present lacking.

The following pages are written with the object of imparting useful, practical knowledge to sensible and serious women. The women who accept and apply this knowledge can rest calm in the sure and certain faith that it is their offspring who will build up the coming race.

TAXES

TAXES
Generally speaking, tax bills are paid with reluctance.
This is no doubt due to the fact that with every other form of
payment one has something tangible to show for the expenditure.
If every good citizen could be brought to see that his private
interests are closely linked with public affairs, he would take
more interest in the local politics of his town and county, and so
have a voice in the expenditure of taxes by selecting the best men
to do the work for him.
Taxes are forced contributions levied on citizens to provide money
for public expenses, such as law and order, schools, charities and
public institutions.
All tax laws are made by the men who pay the taxes.
You say "No" to this.
"The tax laws are made by the legislators up at the state
capital."
Very true; but who nominates and elects the legislators? Did you
not put them into office?
"No, the bosses did that," you reply.
True again, but good men are in the majority and if they did their
duty to their country and themselves, there would be no bosses and
taxes would be honestly spent.

TELEGRAMS--THE TELEPHONE

TELEGRAMS--THE TELEPHONE
To send a telegram, you or your messenger must take what you have written to the nearest telegraph office.
You may write a telegram on any kind of paper, provided always that the writing is plain. All telegraph offices are provided with regular blank forms, whichmay be had without cost, and it is better to use these when they
are available.


The blank is properly ruled, with lines for the date, for the address of the one to whom it is to be sent, and for the message.

CHARGES
The telegraph company charges a fixed sum for a message of, say, ten words. These words do not include the name and address of thesender.
The amount of the charge is always dependent on the distance between the office from which the message is sent and the one at which it is received.
Every word over ten, in the message, pays an extra fee, dependent again on the distance.

Getting just what you mean into ten words may seem difficult when you have a lot to say, but it is surprising how you can boil the message down when each additional word costs five or more cents.

It may pay to practice this.
If it is actually necessary to make your meaning clear by the addition of more words, do not hesitate at the cost.
If you are known at the telegraph office, you can send a message to be collected from the receiver.
Never permit the receiver to pay for a message that is exclusively on your own business.

Always make and keep a copy of every important telegram you send
away. Do not neglect this.

If you have neglected to keep a copy of a telegram, or having made
one have lost it, you may get a copy from the telegraph office,
provided the application be made within six months of the sending
of the message.

Telegrams are delivered by the company's messengers.
You must give receipt to the messenger on the delivery of a
telegram.

Where the receiver lives a long distance from the telegraph
office, it is customary to pay the messenger an additional fee,
depending on the distance.

The charges for telegrams to be sent at night and delivered in the
morning, are much lower than for day messages.
For an additional charge, less than the original, messages may be
repeated back to insure their accuracy.
Read over to the official, or still better, have him read your
message over in your presence, that you may be sure he understands
it as written.
You cannot hold others responsible for your own mistakes.

TELEGRAPHING MONEY
You can telegraph money with as much safety as you can send it
through a bank.
In handling money in this way, the telegraph company does not act
as a banker but as a carrier.
Telegraph money orders are a great convenience, when one wants to
send cash to a distant point in a hurry.
Country telegraph offices do not, as a rule, transmit money; that
function is left to the offices in the larger centers.

THE METHOD
One wishing to "wire money" will find at the telegraph office
suitable blanks; they are furnished gratis.
On lines provided for the purpose and properly indicated, as in a
postal order form, write the name and address of the person to
receive the money, with the amount.
This paper, properly signed, is handed to the clerk with the money
to be sent and the fee for transmission.
The fee is double that charged for an ordinary message of the same
length.
If, for any reason, the person to whom the money is sent cannot be
found within forty-eight hours, the money is returned to the
sender, but the fees are retained, as the company is not to blame
for failure.

The receiver of a money order, if unknown, must identify himself
as he would at a bank, and he must receipt for the money.
If the person to receive the money is an entire stranger in the
place to which the money is sent, the sender knows it, and he
provides for the situation by signing, on the reverse of the
application, an order to the distant operator to pay the money to
the person named within, without further identification.
When a telegraph operator receives a money order, he at once seeks
out the person to whom it is sent, and pays the money in
accordance with his instructions as to identification.

BUYING DRAFTS

BUYING DRAFTS
If I wanted to pay a bill for $150 to Albert Holt, living at Wallace, Kansas, and did not wish to trouble him with a check, how would I go about it?


1. I might express the cash, which would be expensive.
2. I might send it in postal order, not always certain.
3. I might send it by a trusted hand, but might have long to wait before I found a friend going out to Wallace.

I am living in New York City, and am familiar enough with banking to know that New York is a great financial center and is in constant communication with nearly all the outside banks.

The outside banks keep money in deposit here, and the New York banks, particularly in the spring and autumn, keep deposits with their correspondents. With my $150 and a small extra sum to pay my bank for drawing the draft, I go thither and buy a draft for the sum I owe Mr. Holt. I mail this draft to my creditor and he can cash it without loss
in his home bank. Here is the form:

No. 101.
Madison National Bank of New York.
Pay to the order of Albert Holt,
One hundred and fifty dollars ($150.)...
.......... L. N. Jones,
Cashier.
To Prairie National Bank,
Wallace, Kansas.

A GOOD PLAN
When you buy a draft which you mean to send off in payment of a debt, a good plan is to have it made payable to yourself. Let us suppose it is the case of Albert Holt. You transfer the draft to him by writing across the back, "Pay to the order of Albert Holt," and add your signature. Now as all drafts are returned, as payment vouchers, to the banks
from which they were issued, and as Mr. Holt must have signed the draft to get his money, it follows that there is a record of his having received it, and this has all the force of a receipt.

Do not endorse a draft with just your name, for in that case, anyone into whose hands it falls may collect. First write "Pay to the order of" the person for whom it is intended.

GOOD AS CASH
A draft made payable to yourself is as good as cash, and far safer to carry.
If you are identified at any bank between the Atlantic and Pacific, you can have your draft cashed.

All banks furnish blank drafts.
Never endorse a draft made payable to yourself, and this applies to a check, until you are about to use it.

It is a good plan never to sign your name until it is actuallynecessary.

Some people have the foolish habit of signing their names on stray bits of paper. Do not get into this habit, even if there is no space to fill out a note or order above the signature.

TO MAKE A DRAFT

TO MAKE A DRAFT
But let us suppose that the draft is all right and that a merchant, let us call him Henry Thomas, and suppose him a resident of Philadelphia, has a bill against James Taylor, of Cleveland, and he wants to collect it, without recourse to law. How will he go about it? The bill is for $100.
Mr. Thomas writes this draft:
Philadelphia, Pa., Sept. 5, 1910.
At sight pay to the order of
Johnson National Bank of Philadelphia
One hundred................... dollars.
With exchange and charge same to
Henry Thomas. To James Taylor, Cleveland, Ohio.

Having drawn his draft, Mr. Thomas takes it to the Johnson National Bank for collection. The collection is actually made by some bank in Cleveland to which the Johnson has endorsed it over.

If Mr. Thomas wished he might have sent his draft direct to the Cleveland bank, but he no doubt thought it better to transact such matters through his own bank. Or if Mr. Thomas lived where he was not in touch with a bank, he
might have drawn through any person whom he knew in Cleveland. On receiving the draft for collection, the Cleveland bank would at once give it to a clerk who would without delay present it to Mr.
Taylor. Mr. Taylor, having written his acceptance of the draft, is given
three days grace in which to make payment.

In states where days of grace are not allowed, he would have to pay at once. Mr. Taylor writes the word "accepted," with the date and his name across the face of the draft, and if he does not pay cash, he states in the writing where payment will be made. Of course, Mr. Taylor cannot be compelled to accept a draft. There may be good and honest reasons for his not doing so, but having accepted it, in business honor he is bound to pay it.

The term "Sight draft" explains itself, but the order to pay a draft may indicate, and often does, the number of days allowed for payment, after presentation.

FOR COLLECTION
What should be done by the man to whom a bill or a note is due,
when the debtor lives in a place where there is no bank?
In that case he must learn in some way the name of a promising
person to make the collection for him.
In this case he makes out the draft as before, and adds the words
"for collection." This acts as a bar to any transfer of the paper.
Most banks refuse to handle a draft marked "for collection."

DISHONOR
Drafts are not necessarily duns.
Some country merchants prefer to pay their bills to wholesalers in that way, so that collecting drafts is no small part of the business of the ordinary bank. While men are not compelled to meet drafts when presented, if the
amount is due and he defaults or refuses to pay he injures his own credit.

In refusing a just draft he is said to "dishonor" it.
So sure are wholesalers that their drafts will be met by their
distant debtors that they do not hesitate to draw against them
when deposited for collection, regarding them as cash to their
credit in bank.

PROTESTS
When a draft is not accepted or paid when due, if it be a time
draft, it is protested in the same way as a note.
The protest of a draft serves as a notice to the drawer of its
non-acceptance.
Like notes and checks, drafts may be transferred by a similar
endorsement.

A DRAFT

A DRAFT
A draft is a written order from the first party to the second party to pay to the third party a certain sum of money at a certain time. The first party is called the "drawer." The second party is the "drawee."
The third party is the "payee."


There are two kinds of draft.

The first is usually where the cashier of one bank, through his own check, draws on another bank for the cash difference in their accounts with each other.

The second form of draft is the most usual and is the one we shall here consider. The cashier's draft is always for cash and the demand is alwayshonored. The ordinary business draft may be for cash or for goods. The business draft is usually honored, but there are circumstances under which it may be ignored.

HOW SAVINGS BANKS EARN

HOW SAVINGS BANKS EARN
How can a bank that does not discount notes or deal in loans and
commercial paper earn money? How can it pay interest?
While they may be individually small, the aggregate of all the
deposits in a savings bank may, and often do, amount to many
millions.
This money is not allowed to lie idle.
Under the skilled direction of the bank officers, the money,
instead of lying idle in the vaults, is invested in many ways, but
always in accordance with the laws of the state under which the
bank is chartered.
Much of the money is invested in mortgages on real estate, never
on personal property.
National bank stocks, sound railroad bonds, and other forms of
reliable interest security are fields for the investment of
savings bank funds.
Savings banks are subject to the periodic inspection of state
officers appointed for the purpose.
The failure of a savings bank through bad investments or the
dishonesty of officials is very rare.
Avoid all banks that promise more than the regular rate of
interest.
Private banks may be, and usually are, honestly conducted, but to
be safe, deposit only with a bank that is regularly chartered and
is subject to the inspection of the law.
The savings bank is the best for the wage earner.

SAVINGS BANKS

SAVINGS BANKS
While of National importance, savings banks are chartered by the
respective states in which they exist, and as such are distinctly
local institutions.
Unlike the National, the savings bank is not established as a
money-making corporation.
The ostensible and actual purpose of the savings bank is to
encourage people of small means to save.
The savings bank provides a safe place for the care of such
deposits, and it pays such rates of interest on such deposits as
are warranted by the earnings of its investments after paying the
expenses incident to the proper conduct of its officers.
When a savings bank receives authorization to act, through a
charter from the state, the organizers choose a board of directors
and the proper officers.
Usually the officers occupying positions of trust and
responsibility are required to give bonds for the proper discharge
of their duties.
HOW BUSINESS IS CONDUCTED
With all the legal conditions complied with, and a suitable office
provided, the savings bank is ready for business.
Some savings banks will receive on deposit any sum from five cents
to five thousand dollars.
Other banks will not receive less than one dollar at a time, nor
more than a thousand.
We have heard of "penny savings banks," but they are rarely
chartered, and are organized, only to encourage thrift among
children.
Fractional parts of a dollar are not usually reckoned as drawing
interest.
Some banks require as much as three, four or five dollars before
allowing interest.
Savings banks in the eastern states pay from three to four per
cent. In the west it is sometimes as high as six.
Each bank has certain dates at which calculation of interest
begins. As a rule this is January 1st, April 1st, July 1st, and
October 1st.
Money deposited at any time between these dates does not draw
interest till the beginning of the next quarter.
But never mind the interest.
The best time to make a deposit is when you have the money.
The bank is safer than your pocket.
HOW TO DEPOSIT
Count your money carefully and make a memorandum of the amount
before giving to the savings bank to deposit.
Hand the money to the officer--usually "the receiving teller"--
authorized to receive it.
The teller writes down the name, age, occupation and residence of
the depositor.
If money is deposited in the name of one under legal age, the
names of the parents and the birthplace of the minor are also
recorded.
The adult depositor must write his name in a book provided by the
bank for the signature of clients.
When these conditions are complied with, the depositor receives a
memorandum book, known as a "deposit book", in which, with his
name and date, is written the amount of his first deposit.
The deposit book must be carefully guarded, for without its
presentation at the savings bank money cannot be drawn. You cannot
check against your savings bank account, as with a commercial
bank.
HOW THE ACCOUNT GROWS
After the first account is opened the rest is easy.
On the second, as on all subsequent visits, the deposit book, with
the amount to be entered, is handed to the receiving teller. He
counts the money, makes a record of it for his own use, enters it
on your book as a deposit, and hands the book back. That is all.
Whenever interest is due it is written down in the book as if it
were a cash deposit.
The interest, if desired, will be paid in cash, but if allowed to
remain, it begins at once to earn interest for itself.
Interest grows like a rolling snow ball. On such small beginnings
great fortunes have been built.
Savings banks keep a reserve, made up of earnings in excess of
interest and all expenses.
This reserve earns money.
The money so earned is reckoned as a net profit, and it may be
distributed, and usually is, among its depositors as a "dividend."
THE LIMIT OF DEPOSIT
Different banks have different limits of deposit, that is fixed
sums beyond which they will not receive.
The limit is from one thousand to five thousand dollars.
When the fortunate depositor has reached the limit with one
savings bank, there is no law to prevent his opening another
account with another, or with any number of similar banks.
Remember the savings banks are not meant for capitalists, but for
small depositors.
After deposits and interests have reached a total of $1,600, the
interest will not go on earning interest, but will be regarded
simply as a deposit.
This is in compliance with law.
Depositors, posted as to the law, open another account with
another bank, and keep on till the interest limit is reached.
HOW TO DRAW MONEY
A savings bank depositor may either draw money himself or through
some properly authorized person.
This is the method:
The deposit book is presented to the paying teller. The owner
states the sum he wants to draw.
Having assured himself that the bearer of the book is the right
person, the teller takes a receipt in a book kept for the purpose,
for the amount, enters the same on the right hand or debit side of
the book, and hands out the money.
There is a form of authorization for another to draw, printed on
the deposit book. This must be copied and its directions complied
with.
Most banks will not allow depositors to draw out less than a fixed
sum, say $5.00.
This saves trouble, and prevents thoughtless depositors from going
to the bank every time they want a dollar.
Before a depositor can draw a large sum from a savings bank he may
be compelled, under the law, to give from one week to six weeks'
notice of his intention.
This provision may not prevent a run on the bank, but it gives the
managers time to provide for it.
Read the rules in the deposit book.

BANKING

BANKS
No instrument of trade has done so much or is more essential to
the safe and progressive business of the world today than the
bank.
Every department of business, in our modern civilization, must
keep in touch with the bank.
Money is the blood of trade and the banking system is its heart.
The bank is as necessary to the thrifty farmer as it is to the
greatest railroad or the most wide-spread trust.
Banks are depositories for money not in circulation.
Banks have facilities for the safe-guarding of money which the
ordinary business man could not provide for himself.
Instead of running the risk of paying bills with money carried
about on his person, the business man, and every man with ready
money should follow his example, deposits his money in a
convenient bank, for which he receives a proper voucher in the
shape of a credit in a deposit book.
When he pays a bill, he draws a check for the amount, payable to
the order of his creditor. This check, when endorsed by the
receiver and paid by the bank, is in itself a receipt for the
money.
NATIONAL BANKS
As I propose to say something about savings banks in another
chapter, the present will be devoted to what are known as "banks
of deposit."
Banks of deposit are either National, State, or private.
A National bank is, as the name implies, chartered and
incorporated by the Government, with special privileges and
restrictions.
The Government in the organizing of National banks had in mind the
protection of the public without unduly limiting the profit of the
stockholders.
The sum the stockholders must contribute to the establishment of a
National bank varies according to the population and the business
importance of the place in which the bank is to be located.
The capital must exist in a prescribed form.
Certain forms of investment are prohibited, as for instance the
ownership of real estate, except under certain restrictions.
This is done that the National bank may be able to convert its
securities into cash in the shortest order.
In consideration of a prescribed amount of United States bonds,
deposited with the Treasury in Washington, the Government issues
to the National bank a prescribed sum in printed bank notes of
varying denominations.
If the bank should close for any reason, the bank notes or their
equivalent must be returned, when the bonds deposited as security
are released.
Every bank must have a board of directors, a president and a
cashier. Receiving and paying tellers, with bookkeepers, and many
clerks are necessary to carry on the business of a large bank.
In addition, the National banks are under the supervision of
regularly appointed Government inspectors.
A National bank may fail, but its notes are still "as good as
gold."
BANKS AS LENDERS
The bank not only receives money on deposit, but it loans money
under certain conditions.
Many merchants, builders, contractors and others often find it
necessary to borrow money in order to carry on their business
successfully.
If a man's business reputation is good, and the banks keep well
posted in such matters, he may secure a loan on his own note,
though even in such cases the name of a good endorser is required.
If in addition to his note the borrower can offer security in the
way of bonds of good character, or other reliable collateral, he
can usually be accommodated.
Of course, the banks charge interest for loans. They also make
collections on notes and other commercial paper and they issue
foreign and domestic bills of exchange.
Every man with a sum large or small in excess of his expenditures,
should open a bank account. Even if not in business this will
encourage thrift and lead to good business habits.
INTEREST ON DEPOSITS
Some banks, particularly those known as "state" or "private," and
National banks in smaller communities, allow interest on deposits.
This interest varies with the demand for money, but in the eastern
states it seldom goes over four per cent.
It is well to know when interest begins and ends.
If the dates set by the bank for reckoning interest are the first
day of January, April, July and October, money deposited March
31st will begin to draw interest next day, but if deposited April
2nd, it would not begin to draw interest till July 1st.
But if you have the money and would insure its safety, deposit it
at once regardless of time or interest.
If a depositor withdraws his money before the day when interest is
due, he forfeits the interest. But banks vary as to that.
CHECK AND DEPOSIT BOOKS
Every depositor is given a book in which the teller or cashier
credits him on the left-hand side with the amount deposited. Other
deposits are treated in the same way, and at proper times, if
interest is allowed, it is added as a deposit.
The depositor can provide his own check book, and have it printed
in any color he pleases, with the name of himself and business on
the margin. The bank, however, will supply loose bank checks of
its own, or it may provide them in book form, with stubs, or a
space on which the number, amount and purpose of the check may be
noted for the drawer's information.
"Writing up" of the deposit book is leaving it with the proper
officer at the bank--a receipt for the book is never taken. It is
returned with all the checks received, and their amount footed up
on the right hand or debit page, and the balance on hand shown.
Every depositor should know from the record on the check stubs
exactly how his account stands with the bank.
Take care that you do not overdraw.
Keep your own record of your own money.
COMMERCIAL DEPOSIT BANKS
In the Commercial banks of our large cities no interest is
allowed, nor could it be easily calculated where a score of
deposits may be made in a week and a hundred checks drawn in a
day.
The depositor in such a bank is free to check out his funds as he
pleases.
Before opening an account there is more than money needed from the
depositor. If unknown, he must satisfy the bank of his character,
which is best done through the introduction of one known to both.
Some banks make a charge for deposits, where a man makes a
convenience of them by depositing money which he checks out in a
short time.
A depositor, when opening an account with a bank is required to
place his signature in a book kept for the purpose. Until the bank
officer, the paying teller, becomes familiar with the signature on
the check, he verifies it by comparing it with that in the book.
HOW TO PREPARE A CHECK
A check may be defined to be "a written order on a bank directing
it to pay a certain sum of money to the person named in the check
or to his order, and signed by a depositor."
So long as the purpose is clearly conveyed in the writing no
particular form of words is necessary, nor need the paper on which
the check is written be the regular printed form properly filled
in.
The "drawer" is the one who makes the check.
The "payee" is the one for whom the check is made.
In making a check, the best plan is to fill out the stub first,
and from the data on it make out the check. This tends to
accuracy.
Be sure to number your check, beginning with I.
Be sure that the number on the stub is the same as on the check.
A person having money in bank and wishing to draw for his own use,
makes his check payable to "self" or to "cash."
Usual form of check:
First National Bank. No. 27
Kingston, Vt., Oct. 13, 1910.
Pay to order of John Smith
Seventy-five 75/100 ------ dollars.
$75.75 George F. Brown.
It is proper form to specify on the face of the check the purpose
for which it is given, but while this is permissible it is not
usual.
Write the amount of the check first in words then in figures. This
makes more certain the amount.
Always begin first word of amount close to left-hand side of
check; when the whole sum is written down draw a heavy stroke
along the line to the word "dollars."
When a check is made payable to John Smith or order, John Smith
must sign his name on the back of the check--left-hand end and
about an inch from the top.
Never sign a check until you are ready to collect, or to bank it.
The payee can endorse the check to another by writing on the back
as follows:
Pay to the order of
Thomas Brown.
John Smith.
A check payable to "bearer" may be negotiated by any one. When
such checks are presented by a stranger, at the bank of the maker,
the paying teller always insists that the stranger be identified.
Never make a check payable to "bearer" if it can be avoided.
Sometimes checks are dated ahead, for reasons satisfactory to the
maker and payee.
A check drawn on August 5th, but dated August 20th cannot be
collected till the latter date.
Never date a check ahead unless you are positive that you will
have the money in bank to meet it on the day named.
Never, if you can avoid it in trade, receive a post-dated check.
Cash or deposit your checks as soon as possible after they are
received.
If the bank should fail, while you are holding the check, the
maker cannot be held for the loss.
CERTIFICATES OF DEPOSIT
Often when a depositor is travelling, he finds it convenient to
carry with him a form of paper that is as good as cash, and much
better in the event of loss.
Banks will issue "certified checks" to depositors. These checks
are stamped by the bank "certified" with the date and officer's
signature attached.
On issuing such a check, the bank debits the receiver's account
with the amount, and so can guarantee the payment whenever or
wherever presented.
Such a check may be received with as much certainty of its value
as if it were a bank bill.
When a person places money in a bank with no intention of checking
it out for some time to come, he may have issued to him a
"Certificate of deposit."
While holding this certificate he cannot check against the money
in the bank.
The holder of a certificate of deposit may transfer it.
The money may be paid in part by the bank, if the certificate is
presented, and the amount is endorsed on the back.
To withdraw all the money the certificate must be surrendered.
USE OF CHECKS
There is no form of commercial paper in such general use as the
check.
The total of all the checks in use at some seasons is far more
than the total of all the money in all the banks.
Checks are balanced in the money centers through what are known as
clearing houses. In these a bank is charged with checks against it
and credited with those in its favor.
The differences are settled by cash.
Often a few thousand dollars will settle check accounts amounting
to millions.
If by any chance you should receive a check in which your name is
misspelled, or not given as you write it, endorse the check
exactly as the name is written on the face, then add your name in
the regular way.