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Rh your economy turns, and the least relaxation in which makes it impossible for the office at home to make you a general return of your whole receipt, which they must be always obliged to do on the 10th of September and on the 10th of March. Without this, one half year is suffered to run into another, and like putting off writing a common letter, if deferred endlessly, it hangs a weight upon the mind, or else is entirely forgot. Accounts accumulate, parties die, vouchers are lost, every circumstance is lost sight of, and frauds and carelessness are encouraged. An unprincipled man with the least ability sees that the odds are that he never will be detected; and an honest man with a spark of indolence, is drawn into ruining both you and himself. Whereas to prevent all this, the slightest possible effort of the mind is requisite, namely, to insist upon punctuality from men of business whose profession it is; the reasonableness of which cannot stand a moment's argument. After this is done nothing more is requisite than a cast of the eye, for the whole may be made linear.

"2. Weekly expenditure.—Private trade has but one character, and is never to be trusted. It must be governed by the character of the many and not of the few. The character of the many always has been and always will be that of dissipation and idleness. The tradesman partakes of this character, as well as his customer; and he will be always sure to take care of himself, which is constantly in his power, at the expense of the customer who does not pay regularly. His prices after a certain time never can be questioned. The honest tradesman, if he is not regularly paid, must charge accordingly. They cannot be blamed for it, nor do they deny it; and what interest must they charge to compensate the delay of 15 or 20 per cent. profit, the inconvenience of his advances breaking in upon his capital, and the risk attending other debts; all of which must comparatively fall upon the irregular customer: for whoever pays regularly can go from one to another after inquiring and comparing the prices at home or abroad.