AMA til he reaches the fifties, without realizing the hazard. It may take sudden business reverses or failing health to show him his insecure position. The far-sighted man keeps prepared. He knows that his personal earning power must diminish sooner or later; but, in the meantime, he accumulates a fund of good bonds, sufficient to maintain the income which his circum stances require. The modern idea of saving is not so much for some temporary emergency, as for insurance of adequate income through the years of declining personal earning power. In his prime, the average successful man nowadays ac customs himself to a scale of living which cannot be sustained indefinitely unless there is a well invested surplus to fall back upon. A clear outline of this problem and how to meet it is interestingly treated in our new booklet, "Looking Ahead Financially." It tells definitely how any man of good earning power can supplement and eventually replace current income with permanent incomethrough simple, business-like planning. We shall be glad to send you a copy. LOOKING AHEAD FINANCIALLY Write for booklet AT-17 Associated Gas and Electric System Founded in 1852 Service to Large and Small The operation of groups of properties under one central management provides improved service to small communities and a stronger financial position through: (1) More experienced management, greater engineering skill, broader supervision; (2) large quantity buying of materials and supplies; (3) interchange of methods and personnel; (4) larger financial resources for construction and improvement; (5) production of electricity by larger, more up-to-date generating plants. The Associated System has taken particular interest in building up high grade service for small communities. Some 18 municipal plants in Tennessee and Kentucky and many small plants in New York State and New England have recently been added. In these areas new construction and extension work is carried out. The local plants are supplemented by connecting them wherever desirable with the transmission lines of the System. The resulting improvements mean larger, better and more dependable service, growing numbers of customers and increasing demands for service. These in turn tend to promote business activity and community development. Associated Gas and Electric Company SSOCIATES GAS ELECTRIC Incorporated in 1906 Write for our booklet, "Interesting Facts" Associated Gas and Electric Securities Company 61 Broadway New York THE BRIGHT FACE OF DANGER. By Clifford M. Sublette. Boston: Little, Brown & Co. (Atlantic Monthly Press). Mr. Sublette's first book won a prize and the present volume probably would have the same good fortune if it were entered in contest. It is historical and romantic drama al its best. The tale takes the reader back to the days when the Virginia plantations were the stamping grounds of adventurous young Englishmen, when the King was represented by Sir William Berkeley, who so muddled affairs as to bring to a head_the Bacon Rebellion. New York Evening Post. $2.00 AT ALL BOOKSELLERS Serving the WORK In the territory just south of Chicago SERENITY and MATERIALISM L DET the poets and psychologists talk. We know that a satisfied and serene state of mind depends largely on material security. Modern life insurance realizes this. You can now buy material security for yourself as well as for your dependents and heirs. We make arrangements of policies to fit every income and situation. We have printed a booklet on this angle of insurance; it is called "A Satisfied State of Mind." Your local John Hancock office will be glad to send you a copy, or one can be obtained by writing to Inquiry Bureau, John Hancock LIFE INSURANCE COMPANY OF BOSTON. MASSACHUSETTS 197 Clarendon Street, Boston, Mass. A.M. CAUSES AND THEIR CHAMPIONS By M. A. DeWolfe Howe ONE NE'S first reaction to Mr. Howe's book of historical and biographical studies is one of satisfaction and enjoyment because of its succession of graphic portrayals of character against scenes of equal interest; and the next is of wonder at the immense amount of work that went into the collection and study of the materials. Mr. Howe's purpose is to make the book as a whole a portrayal of the reforming temper that filled the nineteenth century in America, and with this as a background to sketch under its illumination some of the people who were so identified with the reform movements as to become their champions. The result is a singularly fascinating mixture of history and biography. The causes and their champions of which he writes are the Red Cross and Clara Barton; Temperance and Frances Willard; the New Uses of Great Wealth and the Rockefellers; Tolerance in Religion and Phillips Brooks, the American Labor movement and Samuel Gompers; Woman Suffrage and Susan B. Anthony; Negro Advancement and Booker T. Washington; World Peace and Woodrow Wilson. - The New York Times. $4.00 at all booksellers or THE ATLANTIC MONTHLY BOOKSHOP 8 Arlington St. Boston FOR your January funds THE BALTI- Mortgage Company, which is the larg MORE TRUST COMPANY offers real estate bond investments that combine a 6% yield with guaranteed first mortgage security. The underlying mortgages range from only 35% to 60% of the independently appraised value of the mortgaged properties. THE MORTGAGE GUARANTEES Payment of principal and interest of each bond is the direct obligation of the Baltimore Mortgage Corporation. In addition, payment of principal and interest of the mortgages securing the bonds is guaranteed by a mortgage company in the locality in which the property is situated, and by the National Surety Company or the United States Fidelity & Guaranty Company. The National Surety Company and the United States Fidelity & Guaranty Company are the largest surety companies in America. THE TITLE GUARANTEE Titles to the mortgaged properties are 6% est title insurance company in America, BOUGHT BY 300 BANKS THE NATIONAL MARKET THE BALTIMORE TRUST COMPANY dis- FOR YOUR JANUARY FUNDS Bonds in coupon form are sold in $500 and $1,000 denominations, at THE BALTIMORE TRUST COMPANY The Largest Trust Company in the South Atlantic States CAPITAL AND SURPLUS $7,000,000 MEMBER FEDERAL RESERVE TOTAL RESOURCES $65,000,000 SYSTE 75,000 DEPOSITORS |