best,
and if it sometimes appears costly, it will always prove cheapest in
the end.

The really judicious investor does not expect the highest rate of
interest, as he is aiming to get gilt-edged securities. Securities
with the largest margins are naturally entitled to consideration and a
lower rate.

The savings bank should only be the primary department in accumulating.

The moment a savings account has grown to a sufficient proportion, the
prudent one will seek a larger field in order to reap the benefit of a
more profitable and safer investment.

But then the question will arise: "What is the course to pursue for one
not having had previous experience in such conservative precautions?"

As the specialist makes a specialty of a certain kind of practice, so
does the expert investor make a specialty of placing money on certain
kinds of securities, and as confidence is the most important factor in
this commercial world, careful inquiry and investigation as to the
reputation and method of such a specialist, should prove relief to this
would-be investor of all anxiety and worry in placing his idle money to
the best advantage.

Think prudently, act judiciously, place your confidence accordingly,
and your success financially will be assured.

November, 1894.

Common Sense

Common sense is the only true promoter of mankind and yet how few of
our present generation strive to obtain the knowledge.

Our boys and girls may have had their proper beginning at school, in
due time successfully passed the usual graduation exercises, and some
more may have received a costly course at college, yet those having
been deprived of the most important instruction stand before the world
as helpless as in their beginning.

To learn to work is the foundation in constructing the knowledge of
common sense.

Knowing how to work and especially with those who were taught to do it
with pleasure, never faltering nor complaining, simply accomplishing
their daily task in a systematic manner will succeed.

A successful school or college training should only be considered as a
sharpened tool to be better equipped in applying this common sense.

At home is the place where the child should be taught to do little
things and as it grows older and while attending school, the importance
of accomplishing bigger things should be impressed from time to time.

Every parent who neglects to teach his child to work is robbing it of
its birt