pleases. Only mind your business, so sure as you do this, so sure shall you have a business to mind. Put by a penny a day, and do not omit to do this for a pound. This is a great secret in the art of getting money. It will promote industry, prevent extravagance, and give you confidence in yourself. Depend upon it, that if you can steadily practice the putting by a penny a day, you will soon lay by twopence; and that twopence, like the penny, will increase, until your savings will surprise you. Little will get much, and much more, and a rich man you must be. But mind, never borrow. If you borrow of an enemy, which, by-the-bye, is not an easy thing to do, he will come upon you for it just when you are not prepared to meet his demand. If you borrow of a friend, he will re quire a pound's worth of acknowledgements and friendly acts for every penny he lends you. No, no, let nothing tempt you to borrow, and then you will find people almost ready to put their money into your pockets. If you borrow, you depend on others; if you do not, you have to depend on yourself; and rely upon it, that if you cannot serve yourself, you can never be served by the whole world. Mind your business, put by a penny a day, and never borrow; and if you do not in time become a rich man, I will be bound to forfeit all my estates in the West Indies. To be wise, it is only necessary to reflect on what you see. The mere sight of things amounts to nothing; a fool may go round the world, and come back a fool at last, because he has no reflection. One man learns more from a mole-hill than another does from a mountain. When gazing at a cook-shop will satisfy your hunger, and looking on a fountain assuage your thirst, then, and not till then, will you become wise by seeing many things. The body is strengthened not by the food it eats, but by the portion of it which it digests; and we become wise, not by what we see, but by our reflections on the things around us. Reflect on what you see, and you must become wise. If happiness consists in large possessions, reputation, and a good table, I have told you how to procure them, for the rich are sure to have large possessions, and large possessions secure a good table, and will generally purchase reputation. All that you have to do, therefore, is to enjoy them when you have got them; so that if you follow my advice, you cannot fail to be rich, and wise, and happy, after your own fashion. But, hark ye! I have been rich, and wise, and happy too, after this fashion, and have found, according to the old proverb, that "All is not gold that glitters." When a man has much property he is like a target, stuck up to be shot at. If he have ships, they may founder at sea. If he have houses, they may be burnt down; and if he have money in the funds, the funds may fall in price. His bargains may turn out bad, and his servants may rob him, so that while a poor man will sleep soundly on a hard bed, he can get but little rest on a soft one. If a man, who has much, wants more, he is in want; and a man in want must be poor, in the midst of his riches. Such is the uncertain tenure of riches, that the man who rolls along in his carriage to-day may be a beggar to-morrow in spite of every precau tion. What then is the use of being rich, and wise, and happy, one moment, if you may be poor, and foolish, and unhappy the next! Give me the riches, the wisdom, and the happiness, that will endure in death as well as in life, in eternity as well as in time. I will speak plainly what I believe to be the truth, that there are no real riches but those that will endure for ever; no real wisdom which does not contemplate eternity; and no real happiness without a well-grounded hope of a better world. These are the riches, the wisdom, and the happiness which I recommend you to strive to obtain. Let others, if they will, be satisfied with a bag of money, a book-case, a badge of distinction, and a well-spread table; but do not you be bribed by possessions which you must relinquish on this side the grave. Without the riches, and |