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'^ifttaders desiring a personal reply earn address Hiss,Flo. in care of this newspaper. THERE IS A 1924 STANDARD FOR GIRLS Dear Miss ’Flo—I am a young . woman of 24. I possess a rea sonable amount of intelligence. I am neither ugly nor ignorant, but I am the most unpopular girl in town. My friends tell me that I am too prudish—too old-fash ioned, and that men prefer flip pancy and flapperisms to intel ligence and modesty. Now I simply cannot be a flapper with no other aim in life than a good time. Why do men prefer the empty shallowness of the flapper to the wisdom and industry of that modest girl? B. B. * * • I think, B. B., that you rather exaggerate things. Men do ap preciate the qualities you men tion, but sometimes the outside glitter of the butterfly fascinates them, and they are ensnared to such a degree that it is impossible for them to know whether the glitter is merely an outside polish • [ or solid gold. Fqr that reason, we occasionally see pretty, shal low, foolish girls carrying off the marriage prizes that should, by all logical reasoning, go to the domestic woman who makes the most efficient wife in the world when she has a chance to prove it Then, too, there are extremes, neither of which go well with a man. Sometimes a girl is too prudish. Sometimes she sets a standard of morals for herself which would have been popular a generation ago. The girl of to day is decidedly different from the girl of yesterday, and the old standard won’t work. Things that were considered positively immoral a hundred years ago are accepted without question today. It isn’t that the morals of women have been low ered. It is simply that they have a greater degree of freedom and independence, and they are using it. The girl of today, who wishes to enjoy a fair share of popular ity, must keep up with the times. She must unbend to a certain ex tent, and, figuratively speaking, learn to jazz. I am not advising you to do anything which your conscience tells yon not to do, but perhaps you are too much lika> a girl I know. She goes through life ready to be embarrassed at the least pro vocation, and she is always afraid that her conduct will be mis understood. She tries to avoid trouble so ostentatiously that she is constantly finding herself in embarrassing positions. She wouldn’t think of doing this—nor think of doing that—it might not look well. As a result she is always cre ating the wrong impression. She frightens her friends away. They laugh at her, and she is very much hurt at their lack of regard for her feelings. She is facing a slick-haired sheik, who carries his young man comes along and i3 sufficiently interested to try and force her to lose her prudishness and broaden her outlook on life. This is one extreme. The other extreme, no more popular with men than the first, is the girl who will go to almost any limit to be thought a good sport. She is a silly creature, and her only ambition is to chase butterflies. Your Credit’s Good ■ So Don’t Fail to Remember Your Dear Ones at Homes and Your Friends by Coming'to Geo. Kelly’s Department Store And Pick Out a Xmas Present for Them and Pay the Bill After Xmas Your Can Use Our Convenient Club Plan If You Wish - Make the Little Ones Happy $4.50 Dandy Bikes Rubber tired wheels for boys or girls. Thursday,JFriday, Saturday Doll Coaches, $2.50 to $20.00 Doll Beds, $9.00 to $18.50 Child’s Rocking Chair, Plain Reed and Upholstered, $4.50 to $7.50 Handsome Coals for Women and Misses Bolivia*, Angora Suede and double-faced coat ing*. New Browns, Grey*, Penny*, Black and Navy. $60.00 for $39.50 Women’s & Misses Smart Dresses - $19.75, $24.50, $29.50 Beautifully fashioned from Canton Crepes, Crepe de Chine, Flat Crepes, Poiret Twill and Jerseys. $1.00 per week Beautiful Electric and Gas Floor and Table Lamps (every kind) « ' Prices from $4.25 to- $65.00 Wkite Gold Wrnt Watch, $19.75 Gents’ O. F. 12 Size Polls hed Keystone Case, plain or fancy dials, Elgin move ment $22.50 to $95 Diamond Rings, Wonderful Bar* gains, $35.00 Overcoats and Suits for Men and Boys. Stylish Ulsters in Guard and College Models. A Smart Soft Hat and< Pair Shoes, complete outfit and pay the bill on our Club Plan. A 20 Per Cent. Reduction made on all of our big stock of living Room, - Dining Room and Bed Room Suites. Golden Oaks, French and Ameri can Walnuts, Ivory, Velours and Tapestries. ’ Box frames and over stuffed. ... ... „ 4. Bargains in Sewing Cabinets, Smoking Stands, End Tables, Book Rack, Tea Wagons, Odd Chairs, Phonographs X EDISON PHONOGRAPHS AND RECORDS 1 , \ ■ 1 . " Geo. Kelly’s Department Store 1814-16-18-18}^ ATLANTIC AYE. ATLANTIC CITY, N. J. Stanley Company of America GUARANTEEING PRINCIPAL AND INTEREST $400,000 Stanley Company of Atlantic City, N. J. First (Closed) Mortgage 6% Guaranteed Sinking Fund Bonds (on Leasehold) Dated January 1, 1925 Due January 1, 1934 Interest payable January 1 and July 1, without deduction for Federal NormaUncome Tax up to 2% per annum. Coupon bonds issued , in denomination of $1,000. Redeemable as a whole, at 102 and accrued interest to date of redemption; or by lot for the Sinking Fund on January First of each year1 from 1927 to 1933, both inclusive, upon thirty days’ notice at 100 and accrued interest A sinking fund will be provided sufficient to redeem the entire issue by maturity Equitable Trust Company, Atlantic City, N. J., Trustee The following information is furnished to us by Mr. Jules E. Mastbaum, Presi dent of the Stanley Company of America and the Stanley Company of Atlantic City, N. J.: STANLEY COMPANY OF AMERICA “The Stanley Company of America, which guarantee these bonds, principal and interest by endorsement, was incorporated in June, 1919, as a consolidation of various representative organizations engaged in the exhibition of motion pictures, and in the promotion of public entertainment, principally in and about the City of Philadelphia. “At the time of incorporation, the Company’s theatres numbered twenty-nine, all located in Philadelphia and Camden. Since that time this number has been increased to eighty-seven, all of which are owned or controlled by the Stanley Company of America. These theatres are situated in Philadelphia, Harrisburg, Reading, Allentown, South Bethlehem, Pottsville, Wilkes-Barre, Scranton, Pittsburgh, Chester, West Chester, Camden, Atlantic City, Baltimore, New York City and Washington, D. C. “In September, 1923, an alliance with the B. F. Keith interests became operative whereby the vaudeville houses of the Stanley Company.of America now offer Keith attraction in Philadelphia. FINANCIAL V < "The Stanley Company of America owns valuable real estate and leaseholds in Philadelphia and surrounding cities. The present market value of these properties is estimated to_be approximately $5,000,000 in excess of the values carried on the books of the Company. “Tha market value of the ouitanding stock of the Stanley Company of America is in excess of seven million dollars. STANLEY COMPANY OF ATLANTIC CITY “The entire capital stock of the Stanley Company of Atlantic City is owned by the "Stanley Company of America. The .officers of the Atlantic City Company are also officers of the Stanley Company of America. SECURITY “These First Mortgage Guaranteed Sinkng Fund Bonds are secured by a closed first mortgage lien on the leasehold with improvements thereon, upon the property extending 170 feet along the Boardwalk and 170 feet along Kentucky Avenue. The site is one of the most desirable in Atlantic City, being situated on the' Ocean Front in the heart of the hotel, shopping and theatre district. PROPERTY “Upon this property are now situated modern stores, facings the Boardwalk. AIL of these have been occupied continuously since their. erection by responsible tenants operating high-class retail establishments. The property will be further improved by. the erection of a motion picture and vaudeville theatre of the most modern type of construction and design, having a seating capacity of about 2,000 people. The estimated cost of this improvement is approximately $700,000. VALUES “The value of the leasehold property after completion of the new building has been . appraised at more than $1,200,000 by responsible real estate experts... REVENUES “The revenue from the stores amounts to $110,000 annually. This income, together with the estimated net income from the operation of the motion picture and vaudeville theatre, after deducting all operating expenses and real estate taxes, is estimated at not less than $170,000 per annum. These estimated net earnings are at the approximate rate of 7.1 times the maximum interest charges on this issue, and 2.3 times the combined maximum interest and sinking fund charges. , THE LEASE “The Stanley Company of Atlantic Gity has acquired the lease of the ground, which extends Until September 30th, 1957, or nearly 23 years beyond the maturity of these bonds. The lease has been assigned to the Equitable Trust Company of Atlantic City, Trustee, and provision is made that no mortgage or lien can be created on the land or buildings ranking prior to or ratably with this mortgage during existence of the mortgage. SINKING FUND , ^ “The mortgage provides for a sinking fund beginning January 1,1927, sufficient to retire $50,000 of these bonds annually. The sinking fund is to be applied by the Trustee to the purchase of the bonds in the open market if obtainable at or below 100 and accrued interest, or if not obtainable, to the redemption of bonds by lot at 100 and accrued interest. Through the operation of the sinking fund the equity in the mortgaged prop erty will be constantly increased and all of the outstanding bonds retired by maturity.” We offer these bonds when, as and if issued, subject to the approval of legal matters by counsel. It is expected that Intrim Receipts will be ready for delivery on or about December 10, 1924. • - , % ' Price 98%. To Yield Nearly 6.20% Interest at the rate of 6% per annum will be deducted from the purchase price from --day of delivery and payment to January 1,! 1925. \ Bond Department Equitable Trust Company Atlantic City, N. J. The statements herein have been accepted by us as accurate, but are in no event to be construed as representations by us