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 advantage.

Remember this saying, "the good paymaster is lord of another man's purse.' He that is known to pay punctually, and exactly to 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 your friend's purse forever.

The most trifling actions that affect a man's credit, are to be regarded. The sound of your hammer at five in the morning, or nine at night, heard by a creditor, makes him easy six months longer: but, if he sees you at a billiard table, or hears 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 it in a lump. It shows, besides, that you are mindful of what you owe; 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 effect; you will discover how wonderfully small trifling expenses mount up to large sums, and will discern what might have been, and may for the future be saved, without 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 two words, industry and frugality; that is, waste neither time nor money, but make the best use of both. Without industry and frugality, 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.

Dr. Franklin says, in his own life, in order to insure my credit and character as a tradesman, I took care, not only to be really industrious and frugal, but also to avoid every appearance of the contrary. I was plainly dressed, and never seen in any place of public amusement. I never went a fishing or hunting: a book, indeed, enticed me sometimes from my work, but it was seldom, by stealth, and occasioned no scandal; and, to show that I did not think myself above my profession, I conveyed home, sometimes in a wheelbarrow, the paper I purchased at the warehouses. I thus obtained the reputation of being an industrious young man, and very punctual in my payments. The merchants who imported articles of stationary, solicited my custom; others offered to furnish me with books; and my little trade went on prosperously.

LESSON ONE HUNDRED AND SIXTH.

The Seasons moralized.

Behold the changes of the skies,
And see the circling seasons rise;
Hence, let the moral truth refined,
Improve the beauty of the mind.

Winter, late, with dreary reign,
Ruled the wide, unjoyous plain;
Gloomy storms, with solemn roar,
Shook the hoarse, resounding shore.

Sorrow cast her sadness round,
Life and joy forsook the ground,
Death, with wild, imperious sway,
Bade the expiring world decay.

Now cast around thy raptured eyes,
And see the beauteous spring arise;
See, flowers invest the hills again,
And streams remurmur o'er the plain.

Hark, hark, the joy inspiring grove
Echoes to the voice of love;
Balmy gales the sound prolong,
Wafting round the woodland song.

Such the scenes our life displays,
Swiftly fleet our rapid days;
The hour that rolls for ever on,
Tells us our years must soon be gone.

Sullen death, with mournful gloom,
Sweeps us downwards to the tomb;
Life, and health, and joy decay,
Nature sinks and dies away.

But the soul, in gayest bloom,
Disdains the bondage of the tomb;
Ascends above the clouds of even,
And, raptured, hails her native heaven.

Youth, and peace, and beauty there
For ever dance around the year;
An endless joy invests the pole,
And streams of ceaseless pleasure roll.

Light, and joy, and grace divine
With bright and lasting glory shine:
Jehovah's smiles, with heavenly ray,
Diffuse a clear, unbounded day.

LESSON ONE HUNDRED AND SEVENTH.

The Faithful Minister.

Bishop Latimer having one day preached, before King Henry the Eighth, a sermon which displeased his majesty, he was ordered to preach again on the next Sunday, and to make an apology for the offence he had given. After naming his text, the good bishop hus began his sermon.

Hugh Latimer, dost thou know to whom thou art his day to speak? To the high and mighty monarch, he king's most excellent majesty, who can take away hy life, if thou offendest: therefore, take heed that hou speakest not a word that may displease. But, Chen, consider well, Hugh, dost thou not know from whence thou comest, upon whose message thou art Bent? Even by the great and mighty God, who is always all-present, and who beholdeth all thy ways, and who is able to cast both body and soul into hell ogether: therefore, take care and deliver thy message faithfully!"

The bishop then proceeded with the same sermon, and confirmed it with more energy. The sermon being finished, the court was full of expectation to know what would be the fate of this honest and plain dealing bishop. After dinner, the king called for Latimer, ind, with a stern countenance, asked him, how he lurst be so bold as to preach in this manner.

He, falling on his knees, replied, that his duty to his God and to his prince had enforced him thereunto,

and that he had merely discharged his duty and his conscience in what he had spoken, and that his life was in his majesty's hands. Upon this, the king rose from his seat, and, taking the good man off his knees, embraced him in his arms, saying, 66 Blessed be God, I have so honest a servant."

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LESSON ONE HUNDRED AND EIGHTH.

The Miseries of War.

I hate that drum's discordant sound,
Parading round, and round, and round;
To thoughtless youth it pleasure yields,
And lures from cities and from fields:
To me it talks of ravaged plains,
And burning towns, and ruined swains,
And mangled limbs, and dying groans,
And widow's tears, and orphan's moans,
And all that misery's hand bestows,
To fill the catalogue of human woes.

LESSON ONE HUNDRED AND NINTH.

De Salo and the Poor Shoemaker.

As this counsellor of the parliament of Paris was returning from the courts of justice, one summer evening, in the year 1662, (a year rendered memorable in the annals of France by a severe famine, by which it was distinguished,) followed only by his servant, a man came up, and, putting a pistol to his breast, whilst his hand trembled exceedingly, demanded his money. 'My friend," said he, you have stopped an improper person; I have not much money about me, but it is all at your service;" and gave him two louisd'or.

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