The Franchise.—Every man of full age who on the 31st July and for the twelve months preceding is an inhabitant occupier, as owner or tenant, whether in a county or a borough, of any dwelling-house, or any part of a house separately occupied as a dwelling, the poor rates in respect of which have been duly paid, is entitled to be placed on the register of Parliamentary voters. There are various other qualifications which confer the franchise, but full information and assistance in obtaining registration are so readily given by the political associations everywhere, that it seems unnecessary to state them here. But the lodger franchise deserves some notice. For alike in counties and boroughs any man who, being of full age, occupies on the 31st July, and for the twelve months preceding, in the same dwelling-house, separate lodgings, at a rent which would be not lower than 4s. a week if the rooms were unfurnished, and who has resided there for the twelve months, and who makes claim in the prescribed form between the 1st and 25th of August, is entitled to be registered as a voter.
Fire Insurance.—The premiums payable in common insurances of houses used for residence and the ordinary furniture therein are so moderate that every householder ought to insure. China, glass, watches, jewels, musical instruments, and pictures have to be paid for at an average rate of from 4s. to 5s. per 100l., but otherwise the rate for house and furniture may be taken to be from 1s. to 2s. 6d. per 100l. Circumstances alter cases, however, and the rates of course vary with the risk in each instance, and those given here are only mentioned as an index of their moderation. It is essential that a full disclosure of the circumstances be made to the office, for the contract of insurance is one requiring the most complete candour and good faith on the part of the insured. There should be a survey by the office, and every information given to the inspector. Of course no office is bound to accept an insurance, and while considering the proposal they will usually, on payment of a deposit, effect a temporary insurance for two or three weeks. A policy usually contains and is subject to many express conditions which speak, more or less distinctly, for themselves in each case, and need not be here discussed. But the contract contained in the policy is one of indemnity against loss, and therefore a person cannot validly insure property in which he has no interest at all, nor can he in any case recover beyond the amount of the interest which he has in the property insured. And as a policy cannot be assigned without the consent of the assurers, a change of ownership may render the policy useless pro tanto. It is obvious that where the wife owns all or part of the furniture, the better plan is to take out the policy in her husband’s and her names jointly, for even if she owns it all, her husband while living with her has an insurable interest in it. It is usually provided that the company may reinstate the things destroyed or damaged, instead of paying for the loss, while as regards insurances on buildings there is an Act of Parliament which provides that any person interested may require the insurance money to be laid out in repairs or rebuilding. It is important to notice that a change in the state of the premises may invalidate the policy, for the company contract to insure against the risk described in the policy, and cannot be held liable in respect of one which is materially different, or one which is greater. The sanction of the company should therefore be asked for, and the conditions usually contain express stipulations on the subject. Lastly, it may be added that even if the fire has been caused by the negligence of the insured person, the company are still liable on the policy.
Nuisance.—The law upon this point is to be referred to a principle very simple in itself, though its limitations are sometimes difficult to observe. The principle is that one must not use one’s own property so as to injure one’s neighbour. So one must keep one’s beasts, filth, stenches, &c., within the boundaries of one’s own property; and if they transgress, the transgression imposes liability for the damage caused thereby. But in questions of this nature the law does not regard trifling and small inconveniences or allow persons to stand on extreme rights, for things could not go on if it did, and everything must be looked at from a reasonable point of view. The noise resulting from the ordinary use of the dwelling-house next door may penetrate the intervening wall, but it must be put up with. On the other hand, the noise may be so great as to amount to a nuisance, and the constant ringing of bells and other noises have been stopped by the Court for this reason, and howling dogs or crowing cocks may give the neighbours good grounds for complaint. In the case of any premises, gutter, privy, drain, ashpit, or any deposit which are or is in such a state as to be injurious to health, or any animal which is so kept, information should be given to the local sanitary authority, who have special powers given them. Overcrowded houses, and factory or workshop chimneys sending out black smoke so as to cause a nuisance, are within the same category. As to these matters, the metropolis is not governed by the same enactment as the rest of England, but it will always be a safe plan to apply to the vestry or the local board of the district with a proper description of the matter complained of, when the applicant will at any rate receive attention in exchange for courtesy. It will often be more convenient to make inquiry at the nearest police station, and the police will put the inquirer in the right course.
Any person suffering from a dangerous infectious disease, who wilfully makes use without proper precautions of any street or any public conveyance, is liable to a penalty of 5l., and so is the person in charge of him.
Keep out of law. If you are involved in it, remember that what costs little is usually worth less; take good advice and act thereon.
INDEX.
[A] [B] [C] [D] [E] [F] [G] [H] [I] [J] [K] [L] [M] [N] [O] [P] [Q] [R] [S] [T] [U] [V] [W] X [Y] [Z]
Abbotsford grate, [66]
Abernethy biscuits, [210]
Absinthe, [181]
Accidents, [780]
—— with boilers, [838]
Accumulators, electric, [94]
Acetate of soda stove, [82]
Acetic acid poisoning, [793]
Acid stains, removing, [553]
Acne, [822]
Aconite poisoning, [792]
Addressing persons, [648]
Administering medicine, [776]
Aerated drinks, [171]
Agnew pudding, [387]
Agro dolce sauce, [460]
Aim of exercise, [870]
Air, cooling, [59]
—— from hot-air furnaces, [76]
—— of rooms, freshening, [56]
—— pressure experiments, [673]
—— pump ventilators, [58]
——, purifying, [57]
—— space necessary in rooms, [55]
——, testing, [55], [518]
——, warming fresh, [77]
Airing infants, [748]
—— rooms, [55]
Ajo blanco, [509]
Alabaster, cleaning, [536]
Albanian dress, [735]
Albert pudding, [387]
Albo-carbon gas light, [92]
Alcohol in feeding, [601]
Alcoholic poisoning, [792]
Ale, see Beer.
Alexandra cream, [771]
—— ice pudding, [387]
Alkaline poisons, [793]
Alkermes cordial, [182]
Almond bread, [210]
—— cakes, [210]
—— flavour, [478]
—— Génoise pastry, [387]
—— hardbake, [437]
—— jumbles, [388]
—— milk, [775]
—— pastry, [388]
—— pudding, [388]
—— rice pudding, [388]
—— savarin, [388]
—— Savoy cake, [210]
Almonds, [582]
Aloes, [777]
Alum, [778]
Amateur theatricals, [654]
Amazon bitters, [180]
Amber pudding, [388]
Ambrosia syrup, [176]
American biscuits, [210]
American dishes, [481]
—— outfit, [727]
—— stoves, [70]
Ammonia poisoning, [793]
Ammonio-citrate of iron, [778]
Amnastich, [504]
Anchovy butter, [271], [460]
——, fried, [272]
—— sandwiches, [272]
—— toast, [272]
—— with eggs and endive, [272]
—— with olives, [272]
Angelica cordial, [182]
—— ratafia, [182]
Angels’ food, [388]
Angels on horseback, [288]
Angostura bitters, [180]
Animal charcoal as a filter, [24]
—— foods, [591]
Anise liqueur, [182]
Anise-seed cordial, [182]
Anisette cordial, [182]
Answering invitations, [650]
Antidotes to poisons, [792]
Anti-fat diet, [595]
Antimonial wine, [778]
Antimony poisoning, [793]
Ants, destroying, [557]
Appert’s translucent glass, [56]
Apple and currant soup, [247]
—— —— quince tart, [389]
—— brandy, [182]
—— bread, [210]
—— cake, [389]
—— Charlotte, [389]
—— chips, [565]
—— chutney, [132]
—— compote, [389]
—— cordial, [189]
—— cream cakes, [389]
—— custard, [390]
—— devil, [390]
—— dumplings, [390]
—— flavour, [478]
—— fool, [390]
—— ginger, [138], [391]
—— jam, [139]
—— jelly, [139]
—— marmalade, [139]
—— pudding, [391]
—— rings, [391]
—— roly-poly, [392]
—— sauce, [460]
—— snow, [392]
—— soup, [247]
—— syrup, [176]
—— tart, [392]
—— wine, [191]
Apples, [565], [566], [568], [569], [574], [576], [577], [579], [582]
—— and tapioca, [389]
——, baked, [389]
——, keeping, [114], [115], [116]
——, stewed, [392]
Apricot cake, [393]
—— chartreuse, [393]
—— cream, [393]
—— flavour, [478]
—— omelet, [393], [454]
—— sauce, [460]
—— toast, [393]
—— wine, [191]
Apricots, [569], [572], [574]
——, keeping, [121]
April gardening, [932]
—— markets, [569]
Argand gas burners, [87]
Armchair, [98]
Arnotto for colouring cheese, [159]
Arnott’s stove, [70]
—— ventilator for ranges, [226]
Aromatic bitters, [180]
—— chalk, [778]
—— wine-bitters, [182]
Arrowroot, [772]
—— blancmange, [393]
—— pudding, [394]
—— shape, [394]
Arsenic poisoning, [793]
Artichoke salad, [383]
—— soup, [247]
Artichokes, [568], [573], [576], [579], [582]
—— and eggs, [450]
——, boiled, [371]
——, fried, [372]
——, Jerusalem, [376]
——, keeping, [117]
——, stewed, [372]
——, stuffed, [372]
Artificial feeding, [598]
Asbestos, incandescent, [77]
Ashpits, disinfecting, [50]
Asparagus, [484], [568], [569], [570], [572]
——, boiled, [372]
——, keeping, [117]
—— salad, [383]
—— soup, [247]
Aspect compass, [3]
—— for dwellings, [2]
Asphalte tennis courts, [881]
Aspic jelly, [367]
Asuree, [511]
Atkins’s filters, [27]
Aubergines, [579]
August gardening, [934]
—— markets, [574]
Aunt Eleanor’s tartlets, [394]
Australian outfit, [722]
Austrian dress, [728]
Autumn milk, [156]
Baba, [394]
Babies’ clothing, [746]
Bacalao, [510]
Backboard for electric bell, [106]
Back-to-back houses, [7]
Bacon, boiled, [331]
——, broiled, [332]
——, buying, [575]
—— fat, [332]
——, fried, [332]
——, salting, [125]
——, spiced, [125]
—— with cabbage, [331]
—— —— potatoes, [331]
—— —— spinach, [332]
Bacon’s high-pressure heating system, [81]
Bacteria in water, [23]
Baden-Baden pudding, [394]
Badminton (drink), [191]
—— (game), [872]
Bailey-Denton’s cistern filter, [33]
Bailey’s oven pyrometer, [207]
Bain marie, [242]
Bakers’ ovens, [207]
—— pyrometer, [207]
Bakewell pudding, [394]
Baking bread, [207]
—— fish, [268]
—— ovens in ranges, [222]
Balcony pipes, [49]
Baldness, [707], [809]
Balm wine, [191]
Banana syrup, [176]
Banbury cake, [210]
Bandaging, [783]
Barbel, [580]
——, broiled, [272]
——, roast, [272]
Barberries, preserved, [139]
Barley gruel, [410]
—— milk, [776]
—— soup, [247]
—— sugar, [437]
—— water, [191], [775]
Barm, [207]
Barrel stand, [168]
Barreling wine, [190]
Barrels, cleaning, [169]
Barszcz soup, [261], [506]
Basement sinks, [50]
—— walls, [96]
Basting, [241]
Bath buns, [211]
—— cake, [211]
—— chaps, [125]
Bath, water apertures in, [49]
Bathing, [828]
—— dresses, [718]
—— rules, [830]
Bathroom, [49], [828]
——, situation, [49]
—— waste, [49]
Batter-cream soup, [247]
——, frying, [407]
—— pudding, [395]
Battery for electric bell, [102]
Bean soup, [256]
Beans, [582]
——, broad, boiled, [372]
——, French, [375]
——, haricot, [375]
——, keeping, [114], [118]
Becaficos, [571]
Béchamel sauce, [460]
Bedclothes, [702]
Bedding, disinfecting, [818]
Bedfellows, [703]
Bed of sickroom, [758]
Bed rests, [760]
Bedroom, [699]
——, aspect for, [3]
—— carpets, [101]
—— cupboard, [98]
—— curtains, [98], [101]
——, decorating, [101]
—— fire economiser, [64]
—— floors, [101]
——, furnishing, [101]
—— furniture, [98]
——, servants’, [700]
—— suite, [99]
—— walls, [101]
——, warming, [699]
—— woodwork, [101]
Beds, [701]
——, airing, [760]
——, making, [702]
——, position of, [760]
Bedsteads, [98], [101], [700]
Bed table, [760]
Bed ticks, cleaning, [549]
Beef, [309]
—— à la financière, [309]
—— à la macédoine, [309]
—— à la mode, [309]
—— à la Napolitaine, [309]
——, boiled, [309]
——, braised, [310]
——, brasciolette, [310]
——, bubble and squeak, [310]
——, buying, [563], [565], [567]
——, carving, [622]
——, collared, [125]
——, corned, [125]
—— croquettes, [311]
——, fillet, [311]
——, frizzled, [311]
——, Hamburgh, [127]
—— hams, [125]
—— hash, [311]
——, hung, [311]
——, Hungarian, [128]
—— kidney, [311]
——, minced collops, [311]
——, mock brawn, [312]
—— pot au feu, [313]
——, potted, [125], [313]
——, pressed, [313]
——, roast, [314]
——, salt, [314]
——, salting, [125]
——, scalloped, [314]
——, spiced, [126], [314]
—— tea, [258], [316], [771]
—— tournedos, [316]
—— vinaigrette, [316]
Beefsteak à la Bordelaise, [315]
—— pie, [315]
—— pudding, [315]
——, stewed, [315]
Beer, [179]
——, bottling, [179]
——, brightening cloudy, [179]
——, finings for, [180]
——, restoring sour, [180]
—— soup, [247], [489]
——, summer, [179]
Bees, keeping, [928]
Beetroot, [565], [582]
——, baked, [372]
—— beer, [191]
——, boiled, [372]
——, preserving, [139]
—— salad, [383]
—— with cream sauce, [372]
Belgian dishes, [484]
Bell and telephone, [103]
Belladonna liniment, [778]
—— poisoning, [792]
Bells, [102]
Bells, electric, [102]
Bell traps, [39], [45], [50]
Bell-wire pipes, [49], [102]
Bell wires, [102]
Belts, [711]
Benches, [862]
Benzol poisoning, [792]
Bernays’s manganese filter, [29]
Bethlehem dress, [742]
Bézique, Polish, [686]
Bhartas, [495]
Bicarbonate of potash, [778]
—— —— soda, [778]
Bichromate of potash poisoning, [793]
—— pile, [93]
Bilberry wine, [192]
Billiard room, aspect for, [3]
Bills of fare, dinners, [635]
Bins for wine, [190]
Birch wine, [192]
Birds’-nests soup, [247]
Bischof’s spongy iron filter, [30]
Biscuit charlotte, [395]
—— powder, [211]
Biscuits, [210]
——, Abernethy, [210]
——, American, [210]
——, Brighton, [212]
——, buttered, [212]
——, Captain’s, [212]
——, cracknel, [212]
——, drop, [213]
——, filbert, [213]
——, lemon, [214]
——, macaroons, [214]
——, Naples,