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 popular morals. Moreover, they have stood the test of time, and the experience of every day still bears witness to their accuracy, force, and soundness. The Proverbs of Solomon are full of wisdom as to the force of industry, and the use and abuse of money:—"He that is slothful in work is brother to him that is a great waster." "Go to the ant, thou sluggard; consider her ways, and be wise." Poverty, says the preacher, shall come upon the idler, "as one that travelleth, and want as an armed man"; but of the industrious and upright, "the hand of the diligent maketh rich." "The drunkard and the glutton shall come to poverty; and drowsiness shall clothe a man with rags." "Seest thou a man diligent in his business? he shall stand before kings." But, above all, "It is better to get wisdom than gold; for wisdom is better than rubies, and all the things that may be desired are not to be compared to it."

Simple industry and thrift will go far towards making any person of ordinary working faculty comparatively independent in his means. Even a working man may be so, provided he will carefully husband his resources, and watch the little outlets of useless expenditure. A penny is a very small matter, yet the comfort of thousands of families depends upon the proper spending and saving of pennies. If a man allows the little pennies, the results of his hard work, to slip out of his fingers—some to the beershop, some this way and some that—he will find that his life is little raised above one of mere animal drudgery. On the other hand, if he take care of the pennies—putting some weekly into a benefit society or an insurance fund, others into a savings bank, and confiding the rest to his wife