H. W. R.

[20] This is not considered so in New York, where we generally expect a so-called “January rise,” which, however, sometimes does not come; and also sometimes expect a bear market in the fall of the year, when money is employed to move crops, which, however, also very often disappoints the operator.

[21] Somewhat superstitious. I have often observed it just the other way, although generally a very dull market is expected during the hot summer months.

H. W. R.

[22] This about corresponds with our spring and fall trade, when the newspapers teem with interviews with prominent merchants and bankers.

H. W. R.

[23] Of course, this applies, in a general way, more to the London than to the New York Stock Exchange.

H. W. R.

[24] This applies also to the New York market in so far as that after a large bull speculation there will be heavy realizations, and after a bear campaign or attack the covering process will take place.

[25] This applies to the so-called “lottery loans.”