form, and often induces a man to save his earnings which would otherwise be spent in the publichouse. Railways and street improvements have caused the abolition of many hundreds of houses which were occupied by the poor, and they are often now obliged to herd together in numbers under one roof, in order to be near their work and to get a roof over their heads. It appeared to Mr. Peabody that the best way of doing something to encourage Thrift amongst the poor was to provide them with convenient, healthy, and inexpensive dwellings. Accordingly, he placed half a million of money in the hands of certain persons as trustees, to see that his intentions were carried out, and that it should be spent in the erection of workmen's dwellings of a model construction, wishing, as he himself expressed it, directly to "ameliorate the condition and augment the comforts of the poor;" and he hoped that "the results would be appreciated, not only by the present, but by future generations of the people of London." In acknowledgment of his munificent generosity to her people, the Queen wrote an autograph letter to Mr. Peabody, and offered him various honours and distinctions, all of which he firmly refused. The ability to perform such noble actions could only have been achieved by a life of self-denial, industry, sobriety, and thrift. He died in London on the 4th November, 1869; and a bronze statue to his memory, the work of *Mr. Story, has been erected near the *Royal Exchange, London. Guizot. A great French states- A well-known MEN WHO HAVE charts, plans or maps. haven, a harbour, a safe resting adherence, sticking to. millionaire, a person owning a million of money. covet, to envy, to wish for. regulate, put in order. threescore, sixty; a score is twenty. competency, sufficiency,enough. 1571, and named it the Royal Exchange. It was twice destroyed by fire and rebuilt. The present Royal Exchange was built and opened by Queen Victoria, Oct. 28th, 1844. It is here the merchants of London transact their business. SUCCEEDED. ruthless, without care or pity. prompt, quick, at once. acquisition, the act of obtaining. dollar, four or five shillings. policy, rule or plan. frank, open, truthful. vigorously, with power and "WHAT man has done, man may do " is a thought which should encourage those who feel that difficulties beset their way, and that it is almost impossible for them ever to attain the object of their ambition, be it what it may. Steady perseverance in any course deliberately chosen in life, is the surest way to success, and the experience of those who have accomplished what they intended to do when they began their career is valuable as an encouragement to others. There is such a thing as "getting on," and it may be assumed that all men wish to do it. If you see a number of cabs on a stand, it is quite certain that any one of them would take a fare if he could get it. And a man in all ordinary cases, by entering a profession or a trade, becomes as a cab upon the stand waiting for a fare. If he stand idle in the market-place all day, it may be taken for granted that it is because no man has hired him-he has not "got on." But though it is pretty certain that all men desire to get on," it is not all that will take the trouble to do so; and Success does not usually come to those who do not seek her. Business men who have "got on," in looking back on their lives, are apt to think that their way of conducting themselves ensured the success. It is not always so, for accidents often determine men's lives. But it is interesting to those who are embarking on a voyage to study the maps and charts of other old sailors, who have steered well out of the way of shoals and quicksands, and, after a prosperous voyage, are enjoying the reward of their care and skill in the safety of a pleasant port and haven of rest. Many have left behind them such little maps and charts of their voyage in life, and it is well to study them and to make use of their experience in as far as it fits in with the circumstances of a man's own life, and commends itself to his own sense of what is right and true; for every man must, after all, be a law to himself, and guide his own life with discretion, for by his own conscience will he stand or fall. The founder of the celebrated banking house of *Rothschild, known all over the world, is said to have ascribed his success to a strict adherence to certain rules which he has left behind him. He says: 1. I combined three profits. I made the manufacturer my customer, and then I bought of my customer; that is, I supplied the manufacturer with the raw material and dyes-on each of which I made a profit-and took his manufactured goods, which I sold at a profit, and thus combined three profits. 2. Make a bargain at once. Be an off-hand man. 3. Be cautious and bold. It requires a great deal of boldness and a great deal of caution to make a fortune, and, when you have got it, it requires ten times as much wit to keep it. HINTS WORTH REMEMBERING. Mr. John McDonogh, the millionaire of *New Orleans, has engraved upon his tomb a series of maxims which he had prescribed as the rules for his guidance through life, and to which his success in business is mainly attributable. These rules would undoubtedly secure riches and honour, and as a whole are worthy of being accepted. 1. Remember always that labour is one of the conditions of our existence. 2. Time is gold; throw not one minute away, but place each one to account. 3. Do unto all men as you would be done by. 4. Never put off till to-morrow what you can do to-day. 5. Never bid another to do what you can do yourself. 6. Never covet what is not your own. 7. Never think any matter so trifling as not to deserve notice. 8. Never give out that which does not first come in. 9. Never spend but to produce. 10. Let the greatest order regulate the transactions of your life. 11. Study in your course of life to do the greatest amount of good. 12. Deprive yourself of nothing necessary to your comfort, but live in an honourable simplicity and frugality. 13. Labour, then, to the last moment of your existence. THE BOSTON MERCHANT'S MAXIMS. A merchant of Boston, of fifty years' standing, who is represented to have amassed a fortune, states some incidents in his early life which impressed upon his mind the utility of two maxims which he ever afterward adopted as guides of conduct. "Thence," he says, "I have had these *Mentors before me : "Do you what you undertake thoroughly. "Be faithful in all accepted trusts. |