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Important

Places

THE little towns haveserved

faithfully as trading centers for fully half of America's population. Now they have still a greater destiny, as industry looks beyond the limits of the big city for factory sites.

In the small community industry finds relief from metropolitan congestion, which exacts a high toll in fatigue and expense. Itfinds wholesome living conditions and moderate living costs for workers. Here, too, it finds less expensive land, lower costs, breathing space and room for expansion. And the people employed in industry discover a broader life than the congested metropolis offers them-homes of their own, health for families and a higher status as citizens. So there is a new spirit and a greater activity along Main Street, for the little towns are important

places in the new and enlightened i dustrial scheme. And prominent amor the causes is the widespread distributio of electric power. The transmissio lines of the Middle West Utiliti Company's subsidiaries reach more tha three thousand small and medium-size communities, providing an ample ar economical electric power supp on which to build an endurin industrial development.

MIDDLE WEST UTILITIES COMPANI

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PROFITS in SPECULATION
at a net LOSS
of $100 Per Month

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FOUR
COUR men were talking across a table at the
Bankers' Club in New York one day last
April. One of them was an investment banker.
The other three were business men.

"I can't understand," said one of the latter, where your salesmen find any bond buyers hese days. Everyone has learned now that the deal money is made in the stock market."

"The bond buyers our salesmen find," the nvestment banker said, "are people who have earned what I discovered for myself only a few nonths ago.

"I have been in Wall Street for twenty-five rears, and have been closely in touch with secuity values. In speculating, I had access to all the nformation I could ask for, on earning trends, noney rates, business conditions and every other undamental, and made full use of it in deciding what and when to buy and sell. During the past ifteen years, I tried practically every way of playng the speculative market that was ever devised. "A few months ago, I looked over the records In all my stock transactions since 1913, to find Jut exactly where I stood. You will be surprised, as I was, to learn that my speculative tock market operations cost me about $100 a

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month for fifteen years. Obviously, it was not a profitable experience, in spite of my opportunities for unusual success.

"I am not talking bonds against stocks at all, I am talking investment against speculation. I would much rather have my customers invest in stocks than speculate in bonds. Too many people confuse those four things, especially just now.

"No one can be at all sure of making money except in the long run. No one can tell whether bonds will prove more or less profitable than stocks in the next five or ten years, but in either case, if you have to liquidate suddenly at the wrong time, you will not be sorry that you own plenty of good bonds."

To help you build your investment structure to fit both your own circumstances and the general trend of values, we have prepared the Personal Investment Guide. You will find this booklet useful in deciding what part of your capital to place in bonds, what part in stocks, and how your bond account should be spread among rail, utility, municipal, real estate, foreign and industrial issues to effect proper diversification, with your own individual needs in view. A copy will be mailed you upon request.

WILLIAM R. COMPTON COMPANY

Investment Securities

44 Wall Street, New York

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MEMBERS:

New York, Boston, Detroit, Chicago, Cleveland, and Hartford

Stock Exchanges

Chicago Board of Trade

New York

Cotton Exchange

OFFICES:
Boston
New York
Chicago
Springfield
Worcester

Providence

Portland, Me. Concord, N.H. Albany Syracuse Philadelphia New Haven

Hartford Milwaukee Minneapolis St. Paul

Duluth

Detroit

Cleveland Houghton Grand Rapids

The Telephone Promotes Prosperity

T

THE increasing use of the telephone during the past 52 years has had much to do with the tremendous economic growth of the United States. A great army of workers builds, operates, and maintains the telephone systems, aiding you in the rapid and efficient conduct of your business. With the telephone, business is conducted promptly and effectively. Capital invested in this steadily growing business is productive.

Aletterwillbringcomplete details regarding attractive telephone securities on our current offering list.

Paine, Webber & Co

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Investors' Library

THE search for information on the part of individual investors is one of the encouraging signs of the times.

The Atlantic Monthly, in connection with its Financial Advertising Department, wishes to encourage this by the publication of the following list of booklets, which, it is believed, should prove useful to those readers who are concerned over the prob. lems of the investment of their surplus funds.

It is recommended that readers write directly to the invest. ment houses, making request for such booklets as seem most likely to be useful, or for such information as the booklets may suggest. Our banker friends will be glad to be of service to Atlantic Monthly readers.

"Successful Investing." An interesting booklet for invest. ors. Offered by William R. Compton Company, 7th and Locust Streets, St. Louis, Missouri.

"A Valuable Aid to Banks and Investors." A booklet describing how the Department of Economics and Survey serves investors by furnishing investment counsel, free, to individuals and institutions. Offered by A. C. Allyn & Company, 67 West Monroe Street, Chicago, Illinois.

"Investors List." A monthly list of various securities, with comments, useful to investors. Offered by Paine, Webber & Company, 82 Devonshire Street, Boston, Massachusetts.

"Water Service - the Aristocrat of Utilities," is an interesting booklet describing water bonds as a sound form of investment offered by P. W. Chapman & Company, Inc., 170 West Monroe Street, Chicago, or 42 Cedar Street, New York City.

"Securities Backed by Modern Road Building." The largest road-building organization in the United States, Warren Brothers Company, of Cambridge, Mass., offers an illustrated booklet giving interesting facts about the Company and its work. Apply to Paine, Webber & Co., 82 Devonshire Street, Boston, Massachusetts.

"Insuring Your Intentions." A booklet giving much interesting information about the life insurance trust service and its possibilities is offered by the Guardian Trust Company (Allan B. Cook, Vice-President), Cleveland, Ohio.

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Crossways of Progress

Near where the Potomac turns southeast to the sea five highways converge:

The river, which for ages bore the Indian canoes to tide-water; the old Chesapeake and Ohio Canal, which in its great day carried thousands of settlers to the western country; the stone pike over which Lee brought his veterans to northern battlefields; a modern steam railway; and the high tension power line of one of our subsidiary electric companies.

We owe much to highways-to roads of travel, and to these new pathways of power which carry energy from where it can best be produced to the place where it is most needed.

An Industry That Never Shuts Down

AMERICAN WATER WORKS AND FLECTRIC COMPANY

INCORPORATED

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STOCK

A REVIEW

of the Stock and Bond Market

is issued by us each month and mailed to nearly 50,000
investors throughout the United States. Each issue con-
tains an analysis of four well-known listed stocks, together
with current information of interest to bond buyers.

If your name is not on our mailing list write on your letterhead
to our nearest office for a copy of the current issue.

HORNBLOWER & WEEKS

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CLEVELAND

PITTSBURGH

Members of the New York, Boston, Chicago, Cleveland, and Detroit Stock Exchanges

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OLD COLONY service embraces all departments of finance... Banking, Foreign, Trust, Investment, Transfer and Vaults. Make this institution your New England banking headquarters OLD COLONY

"Interesting Facts." A booklet giving graphic informati concerning the properties and the investment opportunit offered in the enterprises of the Associated Gas and Elect Company. Offered by Associated Gas and Electric Securiti Corporation, 61 Broadway, New York City.

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"Investment Review." A booklet giving current inform tion on the selection of securities for investment is offered 1 Hornblower & Weeks, 60 Congress Street, Boston, Massachusett "Water, the Indispensable Utility." An interesting boo let, giving a detailed description of a water company's plant al operations, with special reference to the investment qualities securities of water companies. Offered by G. L. Ohrstrom Company, 44 Wall Street, New York City.

"What Most Men Forget." A folder explaining the a vantages of investing safely in real estate mortgage bonds whi carry an independent surety company guarantee of payme of principal and interest. Offered by the Empire Bond & Mor gage Corporation, National City Building, 42nd Street Madison Avenue, New York City.

"Guaranty Service." A book describing the work of vario departments and outlining services available to custome through these departments. Offered by the Guaranty Tru Company of New York, 140 Broadway, New York City.

"Foreign Dollar Bonds." A booklet containing valual suggestions for bond buyers and presenting the record of forei loans in American markets. Offered by National City Compar 55 Wall Street, New York City.

"Public Utility Investments." The Utility Securit Company offers the securities of well-known public utili enterprises in 21 states. A Monthly Savings Plan of buyi is one of their sales features. Lists of securities, yielding high as 7 per cent., will be sent upon request. Address: Utili Securities Co., 72 W. Adams Street, Chicago, Illinois.

TRUST COMPANY

17 Court Street

Boston, Massachusetts

"The Ideal Investment." A booklet showing ten reaso for the safety of Electric Power and Light Bonds as a basis i investment, is offered by Thompson Ross & Company, 29 Soul La Salle Street, Chicago, Illinois.

"Service in Foreign Securities." This booklet describes unusual service. It offers information, quotations, and statistid summaries covering investment securities listed on the princip exchanges of Europe, and elaborates on the service which can furnished to American investors who are holders of, or wish own, securities of foreign countries. Offered by de Saint Phalle! Company, 11 Wall Street, New York City.

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