they may all be blasted without the blessings of Heaven: and, therefore, ask that blessing humbly, and be not uncharitable to those that at present seem to want it, but comfort and help them. Remember, Job suffered, and was afterwards prosperous.

"And now, to conclude, 'Experience keeps a dear school, but fools will learn in no other,' as Poor Richard says, and scarce in that; for it is true, 'We may give advice, but we cannot give conduct.' However, remember this, 'They that will not be counselled cannot be helped;' and farther, that, 'If you will not hear, Reason, she will surely rap your knuckles,' as Poor Richard says.”

Thus the old gentleman ended his harangue. The people heard it, and approved the doctrine, and immediately practised the contrary, just as if it had been a common sermon ; for the auction opened, and they began to buy extravagantly. I found the good man had thoroughly studied my Almanacs, and digested all I had dropped on those topics du

ring the course of twenty five years. The frequent mention he made of me, must have tired any one else, but my vanity was wonderfully delighted with it, though I was conscious that not a tenth part of the wisdom was my own, which he ascribed to me; but rather the gleanings that I had made of the sense of all ages and nations. However, I resolved to be the better for the echo of it; and though I had at first determined to buy stuff for a new coat, I went away, resolved to wear my old one a little longer. Reader, if thou wilt do the same, thy profit will be as great as mine. I am, as ever, thine to serve thee,

RICHARD SAUNDERS.

ADVICE TO A YOUNG TRADESMAN,

from

AN OLD ONE.

BY DR. BENJAMIN FRANKLIN.

REMEMBER that time is money. He that can earn 10s a day by his labor, and goes abroad, or sits idle one half of that day, though he spend but 6d. during his diversion or idleness, ought not to reckon that the only expense; he has really spent, or rather thrown away, 58. besides,

Remember that credit is money. If a man lets 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 considerable sum, if a man has a 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;

58. turned, is six; turned again is 7s. 3d. and so on till it becomes a 100l. 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 daily be wasted in time or expense, unperceived, a man of credit may, on his own security, have the constant use and possession of 100. So much in stock, briskly turned by an industrious man, produces great ad

vantage.

Remember this saying. That 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; therefore, never keep borrowed money an