the power of his good right arm, and the potent influence of his pure principles, firmly and perpetually maintained. When poverty, and what the world calls disgrace stared him in the face. he shuddered not, but pressed onward. Wealth! what cares he for that, as long as his heart is pure and his walk upright? He knows, and his country knows, and his country tells, that the little finger of an honest and upright young man is worth more than the whole body of an effeminate and dishonest rich man. These are the men who make the country-who bring to it whatever of iron sinew and unfailing spirit it possesses or desires.

"Instead of saying that man is the creature of circumstances, it would be nearer the mark to say that man is the architect of circumstances. It is character which builds an existence out of circumstances. From the same materials one man builds palaces, another hovels; one warehouses, another villas. Bricks and mortar are bricks and mortar until the architect can make them something else. Thus it is that in the same family, in the same circumstances, one man rears a stately edifice, while his brother, vacillating and incompetent, lives forever amid ruins. The block of granite, which was an obstacle on the pathway of the weak, becomes a stepping-stone on the pathway of the strong."

MORAL COURAGE

Have the courage to discharge a debt while you have the money in your pocket.

Have the courage to do without that which you do not need, however much you may admire it.

Have the courage to speak your mind when you should do so, and hold your tongue when it is better you should be silent.

Have the courage to speak to a poor friend in a threadbare coat, even in the street and when a rich one is nigh. The effort is less than many take it to be, and the act is worthy of a king. Have the courage to set down every penny you spend, and add it up weekly.

Have the courage to admit that you have been in the wrong, and you will remove the fact from the mind of others, putting a desirable impression in the place of an unfavorable one.

Have the courage to face a difficulty. Difficulties, like thieves, often disappear at a glance.

Have the courage to tell a man why you will not lend him

your money; he will respect you more than if you tell him you can't.

Have the courage to cut the most agreeable acquaintance you possess, when he convinces you he lacks principle. "A friend should bear with a friend's infirmities"-not his vices.

Have the courage to wear your old garments till you can afford to pay for new ones.

Have the courage to pass the bottle without filling your glass, and to laugh at those who urge you to the contrary.

Have the courage to review your own conduct; to condemn it where you detect faults; to amend it to the best of your ability; to make good resolves for your future guidance, and to keep them.

FRANKLIN'S MAXIMS

1. Temperance.-Eat not to dullness; drink not to elevation. 2. Silence. Speak not but what may benefit others or yourself; avoid trifling conversation.

3. Order.-Let all things have their places; let each part of your business have its time.

4. Resolution.-Resolve to perform what you ought; perform without fail what you resolve.

5. Frugality.-Make no expense but to do good to others or yourself; that is, waste nothing.

6. Industry.-Lose no time; be always employed at something useful; cut off all unnecessary actions.

7 Sincerity.-Use no hurtful deceit; think innocently and justly; and if you speak, speak accordingly.

8. Justice.-Wrong none by doing injuries, or omitting the benefits that are your duty.

9. Moderation.-Avoid extremes; forbear resenting injuries as much as you think they deserve.

10. Cleanliness.-Tolerate no uncleanliness in body, clothes, or habitation.

11. Tranquillity.-Be not disturbed at trifles, or at accidents, common or unavoidable.

HABITS OF A BUSINESS MAN

A sacred regard to the principles of justice ought to form the basis of every commercial transaction, and regulate the conduct of the upright man of business

He is strict in keeping his engagements.

He does nothing carelessly or in a hurry.

He employs no person to do for him what he can do for himself.

He keeps everything in its proper place, and does everything at its proper time.

He leaves nothing undone that ought to be done, and which circumstances permit him to do.

He keeps his designs and business from the knowledge of others.

He is prompt, decisive, civil, and obliging to his customers. He does not overtrade his capital.

He prefers cash to credit, but, if credit is necessary, as short a time as possible.

He prefers small profits and certain returns to large profits and uncertain settlements.

He is clear and explicit in making a bargain.

He leaves nothing of consequence to memory which he can commit to writing.

He will not be above his business.

He keeps copies of all important letters written by him, and

carefully preserves all which he receives.

He is methodical in his habits and arrangements.

He is always at the head of his business.

He holds it as an axiom, that he whose credit is doubted should not be trusted.

He constantly examines his books, and sees that they are properly kept.

He makes a balance of the true state of his affairs at regular intervals.

He avoids law suits and accommodation bills.

He is economical in his expenditure, and lives within his income.

He is cautious in becoming security for any person.

He is generous, but not until he has been just.

Let a man of business conform strictly to these habits; when once formed they are easily retained, and success will result from their practice.

Let him take pleasure in his business, and it will become a recreation to him.

Let him hope for the best, be prepared for the worst, and bear resolutely whatever happens.

Cultivate a spirit of diligence, both in your temporal and

spiritual employ.

Strictly adhere to your business; religion

commands this. There may be difficulties in your calling, and so there are in every situation; but let not this relax your exertions, lest you give occasion for the enemy to speak ill of you. Idleness has led to a thousand evil consequences; while, in itself, it is a most unhappy state of mind to labor under. It is good to be employed. Action is really the life, business, and rest of the soul. "Idleness," as South says, "offers up the soul as a blank to the Devil, for him to write what he will upon it."

CAREFULNESS IN MONEY MATTERS

Punctuality in money matters is one of the greatest sources of comfort and prosperity to the man in business; indeed, to every man. Punctuality in payment may be said to double our means. The man of disorderly habits, with no proper account of income and expenditure, and no just estimate of the relative proportion of his means and obligations, is perpetually exposed to the annoyance and vexation of having demands made upon him, not so much beyond his means as disproportioned to the chance provisions of the moment.

A sensible employé will make his employer's interests his own; and to that end he will endeavor to acquire a thorough knowledge of the details of the business, and do all in his power to honorably advance the interests of the house; for by so doing he will make himself in a great measure indispensable to his employer, which, of course, will undoubtedly have a beneficent effect on his own welfare.

Time is money; therefore devote every moment of it to the attainment of some definite object; and this must be done, if at all, in a methodical manner. If there is any information in this or any other book which you wish to acquire, do not simply read, but study it. Vigor of body begets vigor of mind; therefore take care of your body and keep good hours, and remember that one hour's sleep before midnight is better than two afterwards.

SURETYSHIP

Amongst all other things of the world, take care of thy estate, which thou shalt ever preserve, if thou observe three things: first, that thou know what thou hast; what everything is worth that thou hast; and to see that thou art not wasted by thy servants and officers. The second is, that thou never spend any.