suppose it to be a dollar; we find the amount at twenty-one years to be, improved at 7 per cent, $13,232, a snug little capital to commence life with, or purchase an annuity to make him independent of want.

On page 98 appears a table which shows what an expenditure of $10 made from the age of one year to 25 years will cost, or, on the other hand, what the same amount will produce if compounded at 7 per cent for 30, 40, 50, 60, and 70 years- that is, if the same amount in money had been put at interest, how much it would amount to at those periods.

And

This table explains itself. It will be seen by it that an expenditure of $10 at one year of age, if invested at 7 per cent, would be $76.12 at 30 years of age, $149.74 at 40, $294.57 at 50, $579.46 at 60, $1,139.89 at 70, $2,242.24 at 80 years of age, and so on. if repeated every year to the end of twenty-five years, the result would be the gross sums of each line added up for the various ages, 30, 40, 50, 60, 70, and 80. Thus it will be seen what ample provision can be made for a child by a little self-denial and a judicious investment of a very small sum each year, a sum that would never be missed from the household expendi

tures.

In like manner, by reference to the tables of earnings in the back part of the book, say for twenty-five years, either the child or the parent can see that the saving of a cent daily will amount, at 7 per cent, to $205 when he is twenty-five years old; of 5 cents per

TABLE

Showing an expenditure of $10 at any age from 1 to 25 years, and the amount such would be if improved at compound interest at 7 per cent at 30, 40, 50, 60, 70, and 80 years of such person's age.

At 80 years.

day, to $1,025; of 10 cents a day, to $2,050; of 25 cents a day, to $5,125; of 50 cents, to $10,250; and so on. Is it saying too much to assert that an independence for a child is within the reach and power of almost any one? "But," says the reader, "I may be able to get the money; but how can I get the increase?" We say, Read on; you will find out that in time as you progress.

Now, young boy or girl, there is a word to be said to you. Clothing first costs money, and it costs money also to replace it. If you had a $10 bill, would you sit down and rub it out on the pavement till you had nothing of it left? Would you consider any one sane whom you should see doing such a thing? What would you think, then, of one who would thus use a $100 or $200 bill? It is easy to tell what you would say if you saw any one doing such a thing, that he was out of his mind or sadly wanting in intellect. If he had a fortune and could not find objects of charity to bestow it upon, such rubbing out of value might be a justifiable amusement. But if he had not, it is a moral and political wrong; and probably the public charity or that of friends would have to replace the loss or pay the bill. They might do the same, in result, with dress, and your foolish notions might regard them as stylish. The reader is left to finish up the balance of the argument.

The child, however, should regard his apparel as so many bank bills, and use it accordingly. If the child

rips, tears, uselessly wears out, or destroys his clothing, he does no better or worse than he who sits upon the sidewalk and rubs out a bank-bill, and has nothing to show for it but his folly. Then, to make money, be careful of what you have; use good clothing for the best purposes, and old for uses where the new would be destroyed or uselessly defaced. Think of the bank-bills on your back, and think how long you can make them last and look fresh and appropriately neat. It is but a common event to damage your dress ten dollars in a day; this, in fifty years, would produce about two hundred dollars-a quite heavy loss, and, if saved, an equally large gain.

The same care and thought should be had about all things which are useful and cost money; and he will probably have more of this world's goods and be quickest independent of labor who attends most closely to such suggestions.

No expenditure should be made by parent or child, if neither has yet attained an independence, without first considering the cost, as referred to in that scalenot what it costs to-day, but what it costs on the day fixed for the independence. If the same amount of thought, energy, time, toil, and sacrifice, be made in properly spending, investing, and generally caring for money after it is got, as there is in getting it, there would be no danger as to the result. None would be without an independence, few without a fortune, and none in distress, poverty, or want, who could gain employment.

CHAPTER V.

BUSINESS QUALITIES.

I have no idea of a merchant acquiring fortune as a general wins a battle, at a single blow.

NAPOLEON.

It seldom happens that great fortunes are made by any one regularly established and well-known branch of business, but in consequence of a long life of industry, frugality, and attention. ADAM SMITH.

It can not be denied but outward accidents conduce much to success, favor, opportunity, occasion, but chiefly the mould of a man's fortune is in his own hands. LORD BACON.

Do you wish to be great? Then begin by being little. Do you desire to construct a vast and lofty fabric? Think first about the foundations of humility. The higher your structure is to be, the deeper must be its foundations. Modest humility is Beauty's crown.

ST. AUGUSTINE.

T is not the intention of this chapter to attempt a profound and exhaustive analysis of the human mind, after the manner of the mental philosophers, or even to set forth all the qualities of mind and heart that may contribute to business success. It is simply desired to mention the more prominent of them, and mainly to