Year: 1863

!, During such season of general prosperi
f ty, thousands in ali quarters are anxious T.
know what to do with their surplus funds
Many of these thousands have had thei
fingers burnt SO often that they are, of course
very cautious about making any kind of in
vestments. Some are boarding their none,
first converting it into gold and silver III
drawers and old stockings, waiting some
more propitious moment, when there will b,
less danger. Now We wish to say TO all such
persons that, in our judgment they will wait
long time if they expect to see the country
in safer condition, financially, tran now
Money is plenty. ard wealth abornds in all
quarters. Payments never were made more
promptly by business men, private citizens
or corporations.


The best security in the world is a bond
and mortgage from a responsible party on
good productive property. Those who have
trust funds to dispose Of should first seek
such security. Nothing can possibly be bet.
ter or safer. 1t can neither fail nor run
away, even in rebellious times. So long as
We can maintain the Government, real estate
should always be looked upon as the bes,
safeguard against loss. If the Government
goes to destruction, all securities perish. As
rule, not more than fifty or sixty per cent.
should be loaned on the cash value of any
property, and In that case the lender should
mold the policies of insurance on all per-
ishable improvements, in the shape of build
lngs, etc.


Next to real estate come the securities OF
the Government. At the. present moment,
even, We regard I. S. six per cent. bonds,
the interest on which is payable in gold, as
perfectly safe, and believe that money inve, II
ed in those bonds, will produce great profit
in their adrance. No one is simple enough
to believe that the interest will not be
promptly provided for. There is one aivan-
tage in holding Government stocks over first
class bonds and mortgages. They can be
converted into money at any moment with
out any compulsory process. As soon as
the war is Overland it now looks as though
the end was near-all Government securities
must inevitably rise, and we would not be
surprised TO see them go up TO higher fig
ures than ever before. We advise our rea-
ders. therefore, one and all, not to lose DAYS
interest on their surplus funds. If you have
only few hundred dollars, loan it to the
Government. Show Your patriotism in TIL.
way if in no other. If you cannot shoulder
the musket, you can furnish powder and shot
There are thousands of females in this coun-
try who have money on hand which should
be at work in hel ping on the cause ct
freedom. We mean you, gentle reader. i.
YOU have only hundred dollars {, spare
money.


Next TO Government securities We regard
bank stock as the safest of anything offered.
Our city banks are making more money now
than ever before, and their stock is sold low
er IN proportion than any other securities.
! Ii the rebellion is crushed-as it will be
these corporations will be in a splendid con-
dition, fer they hold an immerse amount of
! q =
large proh,. This fact alone should inspire
general confidence. Ali the large institutions
III TINS city are now very strong both in spe-
Gle and national legal-teEder currency. |,
would be hard to damage them much, even
with an old fashioned panic. Other stocks
have advanced so much that both spectators
and capitalists are beginning 10 turn their
attention to these corporations. We think a
decided movement will soon be made in that
! direction which will astonish the public
They will sell, very soon, at what they are
,rorh on their books. This is not now the
fact. There are several in this city we could
name, which pay eight per cent. dividends
or more. regularly, and yet their stock sells
at from ten to fifteen per cent. premium only
Don't be afraid, therefore, of first-class bank
stocks.


In regard to all railroad securities We have
this to say. They are sought after now by
the strongest and most sagacious men in
the nation. Any railroad which is not now
earning at least six per cent. on its entire
cost should be under different management
We mean just what We say. Take notice
old-fogy officers and directors in all quarters


Most roads are now doing splendidly, have
all their floating debts paid off, meet theil
interest promptly, and are rapidly increasing
their surplus. The brightest time for rail
roads have not yet dawned. The time vii
soon come when they will legitimately earn
and pay-unless they begin fight with each
other in competition for business-largel
profits than any other corporations
pendent.


TO Members Of the Legislature.