WAR SAVINGS CERTIFICATES.
[To THE EDITOR OF THE " SPECTATOR."] SIR,—Your correspondent, under this heading, is evidently ignorant of the routine of these Certificates or he never could have proposed that they should be sold antedated. This would be an injustice to other purchasers, and an extra expense to the Government, nor would it be really any great inducement to purchase, only appealing to the avarice of a. very few. Those who have worked among the artisan classes know by experience that the difference of interest earned, or the time, scarcely affects them at all. The points they consider are whether the capital sum is safe, and whether they can realize this on any emergency. These being satisfactorily settled with War Savings Certificates, the best appeal is based on patriotism and the benefit to be reaped from thrift. A month earlier or later will have no weight whatever with one who will withdraw within a year, and makes no differ- ence in a matter of five years. As one who has sold nearly twelve thousand Certificates among the employees of one firm, I write from actual experience that antedating has no attraction. Never- theless I would urge the formation of an Association whereby the small contributor does get antedated Certificates through com- bination with others.—I am, Sir, &c., CHAS. W. A. BROOKE. Dunstable.
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