the inclination; and the unhappy object himself, destitute of health, character, and friends, is left to pine and sink in misery and contempt.

In

Intemperance in dress is another evil that ought to be carefully guarded against. most men this argues both weakness and effeminacy; but in men- servants an affectation of this kind is unpardonable-and in females it opens a door to temptation and extravagance, which but too frequently ends in ruin.

The virtue of Silence is highly commendable, and will contribute greatly to your ease and prosperity. Those who talk much cannot always talk well; and many much oftener incur censure than praise. The best proof of wisdom is to talk little, but to hear muchRemember," A silent tongue argues a wise head." Never talk of yourself, but when others speak of themselves, listen to them; -such attention will please them, and probably profit yourself, as it is a chance but something escapes them that may afford a clue to their whole character. If it be thus dangerous to speak much of one's self, it is much more so to take freedoms with others. A jest may tickle, but if it hurt any one, resentment may follow, that in some way or other may be injurious. Always remember to hold the secrets of the family sacred, as none, not even the least of these, may be divulged with impunity.

Quarrels are much more easily avoided than made up; let it not, therefore, be in the power of trifles to ruffle your temper. A weathercock is the sport of every wind; and a choleric man is sometimes exposed to the

For

scorn, at others to the resentment, and always to the abhorrence of all around him. these reasons rather wink at all small-injuries than study to avenge them-" He that to destroy a single bee that has offended him, should throw down the hive, instead of one enemy will have made a thousand."

It is abundantly better to study the good will of all, than to excite the resentment of any. Make a trial, therefore, of your affability, and you will find your own happiness and the goodwill of all around you, to be the certain result.

We would further recommend to you to practise frugality; it is a virtue which is intimately connected with, and leads to our best prospects in life; and if it be expedient to any, it is more especially so to such as you, who have, like the silk-worm, to spin your riches out of your own bosoms. It gives you credit with others, confidence in yourself, and enables you to look forward with satisfaction. In short, it renders even the independent man doubly independent. Nothing is more true, than the old proverb, that, a penny saved is a penny got ;"-nor is that saying less true, that" if you have sense to save your pence, your pounds will take care of themselves." If out of every shilling you get you save something, you will soon find yourself in the direct road to wealth.-Remember, that the most magnificent edifice is raised from a single stone, and every accession thereto, however small, helps to raise the superstructure.

Whilst on the important subject of frugality, we cannot do better than to recom mend to your notice THE SAVINgs Bank.

These most useful and excellent establishments are to be found in every district, and offer, to provident and well-disposed servants, a means of depositing small sums, in perfect safety, for the purpose of accumulating with interest, to be resorted to in case of illness,any unforeseen occurrence, or for the purpose of establishing themselves in some way of business that may make them comfortable to the end of their days. Indeed, the advantages of savings-banks are become so well known, that almost every one can appreciate the result of small savings and prudent foresight. It is an axiom universally admitted, that he who rests his expectations more on his own care and diligence, than on the aid of others, will escape many wants and disappointments, and enjoy many gratifications, which those who are not possessed of this happy spirit of prudence and independence, can never hope to attain; and we may add, that the sufferings of those in poverty and distress have been but too frequently increased, by the recollection that they might have been averted or decreased by proper attention.

The encouragement which these depositories hold out to young persons for the safe deposit of trifling sums, (even so low as a shilling,) is not unfrequently attended with the salutary effect of inducing a perseverance in saving, and of stimulating to habits of industry and frugality that lead to the happiest results. Those who adopt this plan, soon begin to feel their independence; and this feeling once acquired, the most pleasing consequences inevitably follow; for he who labours for his daily bread, and has learnt to live within C

his income, has learnt the art of independence; and he that is above want, though but a little, looks upon every fellow subject for his equal: indeed, so advantageous is an early habit in the art of saving, that no patrimony can be equal to it, and it will generally be found, that he who is sagacious enough to save a fortune, will enjoy it infinitely better than he who inherits it by patrimony, or has one given to him.

Every savings-bank has its appointed days and hours for transacting business, at which times, a committee of trustees and managers attend to pay and receive monies. Among other advantages which these banks give, they admit of the deposits and interest being taken out at a very short notice, at any time, by the depositers themselves, or by his or her executors, administrators, or other lawful claimants. Printed particulars of the specific terms and regulations, may be had gratis, at the respective offices.

The following is a sketch of the way in which money is made by saving, according to the terms of many savings-banks, established in and near the metropolis; and there are some (the Southwark, Limehouse, and others,) that give interest at the rate of a halfpenny per calendar month for every twelve shillings deposited, which is upwards of four per cent.

per annum.

Years

SAVINGS INTEREST

TOTAL.

1 Suppose, that in the course of this £ s. d £ s. d. £ s. d. year, you deposit in the Savings

Again, let us admonish you, as at first, to be Industrious. "Teach a man to be industrious and you will soon make him rich." And,

money got by Industry, is heaven's gift." Frugality and temperance, are virtues to be practised chiefly on your own account, but Industry is an indispensable duty that you owe to your employers and to society. Without frugality few would be rich, and with it few