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But this was a single instance; and we may it. Are almost venture to write MIRACLE upon there not numbers of both sexes among our young gentry, in this degenerate age, whose lives thus run to utter waste, without the least tendency to usefulness?

When I meet with persons of such a worthless character as this, it brings to my mind some scraps of Horace :

"Nos numerus sumus, et fruges consumere nati.
-Alcinoique juventus,

Cui pulchrum fuit in medios dormire dies," &c.

PARAPHRASE.

There are a number of us creep

Into this world, to eat and sleep;
And know no reason why they're born,
But merely to consume the corn,
Devour the cattle, fowl, and fish,

And leave behind an empty dish:

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Tho' crows and ravens do the same,
Unlucky birds of hateful name;

Ravens or crows might fill their places,
And swallow corn and eat carcases.
Then if their tomb-stone, when they die,
Ben't taught to flatter and to lie,
There's nothing better will be said,
Than that they've eat up all their bread,
Drank all their drink, and gone to bed.

There are other fragments of that heathen poet, which occur on such occasions; one in the first of his Satires, the other in the last of his Epistles,

which seem to represent life only as a season of luxury.

Exacto contentus tempore vitæ

Cedat uti conviva satur

Lusisti satis, edisti satis atque bibisti;
Tempus abire tibi."

Which may be thus put into English:

.

Life's but a feast: and when we die,
Horace would say, if he were by,
Friend, thou hast eat and drunk enough,
"Tis time now to be marching off (; ca
Then like a well-fed guest depart,

With cheerful looks, and ease at heart; i

Bid all your friends good night, and say,

You've done the business of the day.

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ADVICE TO A YOUNG TRADESMAN, WRITTEN ANNO

1748.

TO MY FRIEND, A. B.

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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 spends 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 lie 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 considerablé sum where a man has good and large credit, and makes good use of it.

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› Remember, that money is of the prolific generating nature. Money can beget money, and its offspring can beget more, and so on. Five shillings turned is six, turned again it is seven and three-pence, and so on till it becomes an 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 crown, 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) á man of credit may, on his own security, have the constant possession and use of an 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 jus

tice 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 for ever.

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.

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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. AN OLD TRADESMAN. ¡

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NECESSARY HINTS TO THOSE THAT WOULD BE

RICH.

THE use of money is all the advantage there is

in having money.

For six pounds a-year you may have the use of one hundred pounds, provided you are a man of known prudence and honesty.

He that spends a groat a-day idly, spends idly above six pounds a-year, which is the price for the use of one hundred pounds.

He that wastes idly a groat's worth of his time per day, one day with another, wastes the privilege of using one hundred pounds each day.

He that idly loses five shillings' worth of time, loses five shillings, and might as prudently throw five shillings into the sea.

He that loses five shillings, not only loses that sum, but all the advantage that might be made by

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