am not in circumstances sufficient to defray the expense of a jou.ney to New-York, in order to purchase goods at the first hand; which has been attended with considerable loss. Rely ing therefore on your former friendship, I have presumed to solicit your assistance, to purchase, from time to time, what goods I may happen to want, for which a draft shall be remit. ted on delivery. At present, I have only sent for a few art.cles, as you will see by the inclosed order. I doubt not of your getting them as good and as cheap as possible; and if there be any thing I can do to serve you in this part of the country, you may depend on its being executed with the utmost fidelity and dispatch.

Sir,

I am, Sir,

Your sincere friend.

LETTER XXX.-The Answer.

YOURS 1 received, and am extremely glad to hear of your being so comfortably situated. There is a pleasure in looking back to those youthful days we spent together in harmless amusements, and it gives me great pleasure to think that I have it in my power to be in any way of service to my friend. The goods you ordered are sent by the schooner Neptune, captain Hudson, to the care of Mr. Trueman, Lansingburg. They are as good and as cheap as any to be had, and I hope you will be a considerable gainer. With respect to your kind proffer of service, I heartily thank you, and shall, as occasion requires, trouble you with something of that nature. In the mean time be sure to command me in every thing wherein I can serve you, as it will give the greatest pleasure to your sincere friend.

LETTER XXXI.-From a Country Shopkeeper, to a Dealer in Philadelphia, complaining of the badness of his Goods.

Sir,

WHEN I first began to correspond with you, it was my fixed resolution to act with integrity and honor, expecting the same in return. I must, indeed, confess, that the goods you sent, for some time, were as good as any I could purchase from another, and so far I had not any reason to complain. But now the case is quite different. The two last parcels are so bad, that I dare not offer them to my customers. From what Sir does this proceed? Have I ever been deficient in my pay

ments? No, you cannot accuse me with any thing of tha. nature. I am therefore obliged to tell you, that unless you send me others in their room, I must either withdraw my correspon dence, or shut up my shop. You may choose which you please; and let me beg to have your answer by return of post, as I am in immediate want of these goods; and in danger of losing my customers by a delay. In so doing you will oblige Your well-wisher.

LETTER XXXII.-The Answer.

Sir, I RECEIVED yours, and am extremely sorry to hear tha the goods sent you are so bad. I know I had some such in my ware-house, but was determined to sell them at a low rate, without ever thinking of their being sent to any of my customers, particularly so valuable a correspondent as yourself. By some mistake, my clerks have inadvertently sent them, for which I am extremely sorry; but in order to make you amends, I have sent by this day's wagon those which I had originally intended for you, at my own expense. I hope you will excuse this, and be assured you shall never be served in such a manner for the future.

I am, Sir, your humble servant.

LETTER XXXIII.-From a Tenant to a Landlord, excusing delay of Payment.

Sir,

I HAVE been your tenant above ten years in the house where I now live, and you know I have never failed to pay my rent quarterly, when due. At present I am extremely sorry to inform, you, that from a variety of losses and disappointments, I am under the necessity of begging that you will indulge me one quarter longer. By that time I hope to have it in my power to answer your just demand, and the favor shall ever be gratefully acknowledged, by

Sir,

Your obedient humble servant.

LETTER XXXIV.-The Answer.

It was never my intention to oppress you. I have had long trial of your honesty, and therefore you may rest perfectly satisfied concerning your present request. No demand shall be made by me upon you for rent, until it suits vou to

pay it; for I am well convinced you will not keep it from me any longer.

I am yours sincerely

LETTER XXXV.—From a Country Farmer on a similar

Honored Sir,

occasion.

I AM extremely sorry, that through a variety of unfore seen accidents, I am obliged to write to you on such a subject as this. The season last year was bad, but I was enabled to pay ya.. This has turned out much worse, and it being so long before we could get the grain home, it is not yet fit to be sold. I only beg your patience for about two months longer when I hope to pay you faithfully, and with gratitude. I am, Sir, your humble servant.

Mr. Clover,

LETTER XXXVI.-The Answer.

I HOPE from the whole of my conduct ever since you first became my tenant, that you cannot have any reason to allege any thing against me. I never treated you with rigor, as I always considered you an industrious honest man. Make yourself perfectly easy concerning the payment of your rent, till I come to the country next month, and if things are as you represent them (and I doubt not but they are) you may be assured of every reasonable indulgence.

I am yours.

LETTER XXXVII.-Letter from Dr. Franklin to his Friend A. B. containing Useful Hints to Young Trades

men.

Sir,

As you have desired it of me, I write the following hints, which have been of service to me, and may, if observed, be so to you.

Remember that time is money. He that can earn ten shillings a day by his labor, and goes abroad, or sits idle one half of that day, though he spend but sixpence during his diversion or idleness, ought not to reckon that the only expense; he has really spent, or rather thrown away, five shillings besides.

Remember that credit is money. If a man lets his money ie in my hands after it is due, he gives me the interest, or so much as I can make of it during that time; this amounts to a

considerable sum where the man has good and large credit, and makes good use of it,

Remember that money is of a prolific generating nature. Money can beget money, and its offspring can beget more and so on. Five shillings turned is six; turned again t is seven and three-pence; and so on till it becomes a hundred pounds. The more there is of it, the more it produces every turning, so that the profits rise quicker and quicker. He that kills a breeding sow, destroys all her offspring to the thousandth generation. He that murders a dollar, destroys all that it might have produced, even scores of pounds.

Remember that six pounds a year, is but a groat a day. For this little sum, which may be daily wasted either in time or expense, unperceived, a man of credit may, on his own security, have the constant possession and use of a hundred pounds. So much in stock, briskly turned by an industrious man, produces great advantages.

Remember this saying, "The good paymaster is lord of another man's purse." He that is known to pay punctually and exactly at the time he promises, may at any time, and on any occasion, raise all the money his friends can spare. This is sometimes of great use. After industry and frugality, nothing contributes more to the raising of a young man in the world, than punctuality and justice in all his dealings; therefore never keep borrowed money an hour beyond the time you promised, lest a disappointment shut up a friend's purse for

ever.

The most trifling actions, that affect a man's credit are to be regarded. The sound of a hammer at five in the morning, or nine at night, heard by a creditor, makes him easy six months longer; but if he see you at the billiard table, or hear your voice at a tavern, when you should be at work, he sends for his money the next day, demands it before he can receive .t in a lump.

It shows, besides, that you are mindful of what you owe; and it makes you appear a careful as well as an honest man, and that still increases your credit.

Beware of thinking all your own that you possess, and of living accordingly. It is a mistake that many people who have credit fall into. To prevent this, keep an exact account for some time, both of your expenses and your income. If you take the pains at first to mention particulars, it will have this good affect; you will discover how wonderfully small trifling expenses amount up to large sums, and will discern, what might have been, and may for the future be saved, with out occasioning any great inconvenience.

In short, the way to wealth, if you desire it, is as plain as the way to market. It depends chiefly on these two words, industry, and frugality; that is, neither waste time nor money, but make the best use of both. Without industry and fru· gality nothing will do, and with them every thing. He that gets all he can honestly, and saves all he gets (necessary expenses excepted) will certainly become rich-if that Being who governs the world, to whom all should look for a blessing on their honest endeavors, doth not in his wise providence otherwise determine.

PART II.

LETTERS ON LOVE, COURTSHIP, AND MARRIAGE.

LETTER I.-From a Young Gentleman to a Young Lady, with whom he was in Love.

Madam,

I HAVE three times attempted to give you a verbal rela tion of the contents of this letter; but my heart as often failed me. I know not in what light it may be considered, only if I can form any notion of my own heart, from the impression made on it by your many amiable accomplishments, my happiness in this world will in a great measure depend on your answer. I am not precipitate, Madam, nor would I desire your hand, if your heart did not accompany it. My circumstances are independent, and my character hitherto unblem ished, of which you shall have the most undoubted proof. You have already seen some of my relations at your aunt's in Sixth Street, particularly my mother, with whom I now live. Your aunt will inform you concerning our family, and if it be to your satisfaction, I shall not only consider myself as extremely happy, but shall also make it the principal study of my future life, to spend my days in the company of her whom I prefer to all others in the world. I shall wait for your nswer with the utmost impatience, and am,

Madam, your real adınirer.