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The utility of this currency became by time and experience so evident, that the principles upon which it was founded were never afterwards much disputed; so that it grew soon to fiftyfive thousand pounds, and in 1739 to eighty thousand pounds; trade, building, and inhabitants, all the while increasing. Though I now think there are limits, beyond which the quantity may be hurtful. I soon after obtained, through my friend Hamilton, the printing of the Newcastle paper money, another profitable job, as I then thought it; small things appearing great to those in small circumstances; and these to me were really great advantages, as they were great encouragements. Mr. Hamilton procured for me also the printing of the laws and votes of that government, which continued in my hands as long as I followed the business. I now opened a small stationer's shop. I had in it blanks of all kinds; the correctest that ever appeared among us. I was assisted in that by my friend Breintnal. I had also paper, parchment, chapmen’s books, &c. One Whitemarsh, a compositor I had known in London, an excellent workman, now came to me, and worked with me constantly and diligently; and I took an apprentice, the son of Aquila Rose. I began now gradually to pay off the debt I was under for the printing-house. In order to secure my credit and character as a tradesman, I took care not only to be in reality industrious and frugal, but to avoid the appearances to the contrary. I dressed plain, and was seen at no places of idle diversion. I never went out a fishing or shooting; a book indeed sometimes debauched me from my work, but that was seldom, was private, and gave no scandal; and, to show that I was not above my business, I sometimes brought home the paper I purchased at the stores through the streets on a wheelbarrow. Thus being esteemed an industrious, thriving young man, and paying duly for what I bought, the merchants who imported stationery solicited my custom; others proposed supplying me with books, and I went on prosperously. In the mean time, Keimer's credit and business declining daily, he was at last forced to sell his printing-house to satisfy his creditors. He went to Barbadoes, and there lived some years in very poor circumstances. His apprentice, David Harry, whom I had instructed while I worked with him, set up in his place at Philadelphia, having bought his materials. I was at first apprehensive of a powerful rival in Harry, as his friends were very able, and had a good deal of interest. I therefore proposed a partnership to him, which he fortunately for me rejected with scorn. He was very proud, dressed like a gentleman, lived expensively, took much diversion and pleasure abroad, ran in debt, and neglected his business; upon which all business left him, and, finding nothing to do, he followed Keimer to Barbadoes, taking the printing-house with him. There this apprentice employed his former master as a journeyman; they quarrelled often, and Harry went continually behindhand, and at length was obliged to sell his types and return to country work in Pennsylvania. The person who bought them employed Keimer to use them, but a few years after he died. There remained now no other printer in Philadelphia, but the old Bradford; but he was rich and easy, did a little in the business by straggling hands, but was not anxious about it. However, as he held the post-office, it was imagined he had better opportunities of obtaining news, his paper was thought a better distributer of advertisements than mine, and therefore had many more; which was a profitable thing to him, and a disadvantage to me. For, though I did indeed receive and send papers by the post, yet the public opinion was otherwise; for what I did send was by bribing the riders, who took them privately; Bradford being unkind enough to forbid it, which occasioned some resentment on my part; and I thought so meanly of the practice, that, when I afterwards came into his situation, I took care never to imitate it. I had hitherto continued to board with Godfrey, who lived in a part of my house with his wife and children, and had one side of the shop for his glazier's business, though he worked little, being always, absorbed in his mathematics. Mrs. Godfrey projected a match for me with a relation's daughter, took opportunities of bringing us often together, till a serious courtship on my part ensued; the girl being in herself very deserving. The old folks encouraged me by continual invitations to supper, and by leaving us together, till at length it was time to explain. Mrs. Godfrey managed our little treaty. I let her know that I expected as much money with their daughter as would pay off my remaining debt for the printing-house; which I believe was not then above a hundred pounds. She brought me word they had no such sum to spare; I said they might mortgage their house in the loan-office. The answer to this, after some days, was, that they did not approve the match; that, on inquiry of Bradford, they had been informed the printing business was not a profitable one, the types would soon be worn out and more wanted; that Keimer and David Harry had failed, one after the other, and I should probably soon follow them; and therefore I was forbidden the house, and the daughter was shut up. Whether this was a real change of sentiment, or only artifice, on a supposition of our being too far engaged in affection to retract, and therefore that we should steal a marriage, which would leave them at liberty to give or withhold what they pleased, I know not. But I suspected the motive, resented it, . and went no more. Mrs. Godfrey brought me afterwards some more favorable accounts of their disposition, and would have drawn me on again; but I declared absolutely my resolution to have nothing more to do with that family. This was resented by the Godfreys, we differed, and they removed, leaving me the whole house, and I resolved to take no more inmates. But this affair having turned my thoughts to marriage, I looked round me and made overtures of acquaintance in other places; but soon found that, the business of a printer being generally thought a poor one, I was not to expect money with a wife, unless with such a one as I should not otherwise think agreeable. In the mean time, that hard to be governed passion of youth had hurried me frequently into intrigues with low women that fell in my way, which were attended with some expense and great inconvenience, besides a continual risk to m health by a distemper, which of all things I dreaded, though by great good luck I escaped it. A friendly correspondence as neighbors had continued between me and Miss Read's family, who all had a regard for me from the time of my first lodging in their house. I was often invited there and consulted in their affairs, wherein I sometimes was of service. I pitied poor Miss Read’s unfortunate situation, who was generally dejected, seldom cheerful, and avoided company. I considered my giddiness and inconstancy when in London as in a great degree the cause of her unhappiness; though the mother was good enough to think the fault more her own than mine, as she had prevented our marrying before I went thither, and persuaded the other match in my absence. Our mutual affection was revived, but there were now great objections to our union. That match was indeed looked upon as invalid, a preceding wife being said to be living in England; but this could not easily be proved, because of the distance, &c.; and, though there was a report of his death, it was not certain. Then, though it should be true, he had left many debts, which his successor might be called upon to pay. We ventured, however, over all these difficulties, and I took her to wife Sept. 1st, 1730. None of the inconveniences happened that we had apprehended;

she proved a good and faithful helpmate, assisted me much by attending to the shop; we throve together, and ever mutually endeavored to make each other happy. Thus I corrected that great erratum as well as I could.

About this time, our club meeting, not at a tavern, but in a

little room of Mr. Grace's, set apart for that purpose, a propo

sition was made by me, that, since our books were often referred to in our disquisitions upon the queries, it might be convenient to us to have them all together where we met, that upon occasion they might be consulted; and by thus clubbing our books in a common library, we should, while we liked to keep them together, have each of us the advantage of using the books of all the other members, which would be nearly as beneficial as if each owned the whole. It was liked and agreed to, and we filled one end of the room with such books as we could best spare. The number was not so great as we expected; and, though they had been of great use, yet some inconveniences occurring for want of due care of them, the collection after about a year was separated, and each took his books home again.

And now I set on foot my first project of a public nature, that for a subscription library. I drew up the proposals, got them put into form by our great Scrivener, Brockden, and, by the help of my friends in the Junto, procured fifty subscribers of forty shillings each to begin with, and ten shillings a year for fifty years, the term our company was to continue. We afterwards obtained a charter, the company being increased to one hundred. This was the mother of all the North American subscription libraries, now so numerous. It is become a great thing itself, and continually goes on increasing. These libraries have improved the general conversation of the Americans, made the common tradesmen and farmers as intelligent as most gentlemen from other countries, and perhaps have contributed in some degree to the stand so generally made throughout the colonies in defence of their privileges.*

* Here the Twyford letter, forming the First Part of the Autobiography, ends. The Second Part, of which the next chapter is the commencement, was begun at Passy, twelve years after the First was written, namely, in 1783. It is preceded by the following paragraphs, referring to letters from Benjamin Vaughan and Abel James, urging Franklin to resume his Autobiography, the First Part of which they had read in manuscript:

“It is some time since I received the above letters, but I have been too busy till now to think of complying with the request they contain. It might, too, be much better done if I were at home among my papers, which would aid my memory, and help to ascertain dates; but my return being uncertain, and having just now a little leisure, I will endeavor to recollect and write what I can; if I live to get home, it may there be corrected and improved.

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Second Part of the Autobiography—The Philadelphia Library — A Good Wife—Family Habits — Religious Views–Moral Perfection aimed at— A Group of Virtues—Scheme for their Attainment — Mottoes and Prayers —Story of the Speckled Axe — Result of the Scheme — Project of a Treatise on the Art of Virtue.

At the time I established myself in Pennsylvania, there was not a good bookseller's shop in any of the colonies to the southward of Boston. In New York and Philadelphia, the printers were indeed stationers, but they sold only paper, almanacs, ballads, and a few common school-books. Those who loved read. ing were obliged to send for their books from England; the members of the Junto had each a few. We had left the ale-house, where we first met, and hired a room to hold our club in. I proposed that we should all of us bring our books to that room ; where they would not only be ready to consult in our conferences, but become a common benefit, each of us being at liberty to borrow such as he wished to read at home. This was accordingly done, and for some time contented us.

Finding the advantage of this little collection, I proposed to render the benefit from the books more common, by commencing a public subscription library. I drew a sketch of the plan and rules that would be necessary, and got a skilful conveyancer, Mr. Charles Brockden, to put the whole in form of articles of agreement to be subscribed; by which each subscriber engaged to pay a certain sum down for the first purchase of the books, and an annual contribution for increasing them.

So few were the readers at that time in Philadelphia, and the majority of us so poor, that I was not able, with great industry, to find more than fifty persons, mostly young tradesmen, willing to pay down for this purpose forty shillings each, and ten shillings per annum. With this little fund we began. The books were imported; the library was opened one day in the week for lending them to the subscribers, on their promissory notes to pay double the value if not duly returned. The institution soon manifested its utility, was imitated by other towns,

“Not having any copy here of what is already written, Iknow not whether an account is given of the means I used to establish the Philadelphia public library, - which from a small beginning is now become so considerable, though I remember to have come down to near the time of that transaction (1730). I will therefore begin here with an account of it, which may be struck out if found to have been already given.”

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