The large quantity of surplus capital and consequent low rate of interest during the last, and in the present, year, induce its possessors to embark their money in schemes for promoting general utility. One of the advantages resulting from a state of peace is the influx of wealth that pours forth upon the country for its improvement. Yet it behoves the prudent, and those of small means, to be circumspect in their outlays; to see with their own eyes, and not through the medium of others. The premiums that shares in projects may bear in the market, are not even a shadow of criterion whereon to found a judgment for investment. This is well known to every discreet man who has an odd hundred to put out; and he who cannot rely on his own discrimination for a right selection from among the various schemes that are proffered to his choice, will do well to act as if none of them existed, and place his cash where the principal will at least be safe, and the interest, though small, be certain. This month presents schemes for Twenty Rail Road Companies, Twenty-two Banking, Loan, Investment, and Assurance Companies, Eleven Gas Companies, Eight British and Irish Mine Companies, Seventeen Foreign Mine Companies, Nine Shipping and Dock Companies, and Twenty-seven Miscellaneous Companies, Including A London Brick Company, A Patent Brick Company, A London Marine Bath Company, A Royal National Bath Company, A Great Westminster Milk Company, and A Metropolitan Water Company. An Alderney Dairy Company, A Metropolitan Alderney Dairy Company, A South London Milk Company, An East London Milk Company, A Metropolitan Milk Company.