Year: 1878

HOW TO RISE.


You have lost your property. or are other
wise destitute, but let me say there are ways
in which you may live usefully, respectfully,
and progressively, and reach at length con-
dition of Independence, If not OF agreeable
dependence and when hfes battle is over you
shall lie down in your own resting place. and
not be searched for in the Potter's Field. First
you must accept heartily your situation. You
must not think of adventitious ways OF rising,
but resolve 10 depend entirely on yourself.
To women 1t applies as well as to men-tbe
gods help those who help themselves. reso-
Lutte woman is pretty sure to find one thing or
another TO do that Will be remunerative, and
her prospects of working out her pecuniary
salvation, think are better than those OF the
average man in the same circumstances. or
course her success all depends on losing no
time and in saving and laying mp her earnings.
Many never seem to imagine that little savings
will amount to any thlng-that little coins are
like little drops of water, which fill a bucket.
On the moderate scale OF laying up one dollar
per week, and keeping it at interest compound
ed at seven per cent It will amount in thirteen
years to $1,000, in twenty years to $4,000, and
in twenty years moro to $4,000. A woman
who has formed this habit enjoys more self
respect and more the respect OF others, and is
worth more as friend or compsnon than she
could be without il. She has done her duty.
She leaves the world a good example Of in
dustry and resolution, and it may be she has
been comforter OF many. And yet there are
cases where in circle OF relatives and dear
friends maiden sister or kindhearted aunt is
and helpful when circumstances require it.
Much will depend on the ability Of one to make
others happy, and the disposition, if need be,
to be helpful.


POVERTY NO BAR TO MARRIAGE.


This presupposes that both husband and
wife will work and save their earnings. Presi-
that man must ask his wife if he may be rich
1 saw a man to-day whom l knew many years
ago as a journeyman cabinet maker. He was
poor, and made himself poorer, as some would
say, by marrying poor girl But though there
was one more mouth to feed, there we're two
more hands to help. They knew that the Sc
under that law they wrought. Their children
learned the secret, and by diligence in school
they rose to be teachers, and are now hand
somely settled in life. The parents are living
an easy hfe, industrious, prudent, and happy,
and under no necessity OF tolhng. l have
watched with great interest several famuies
who began the married hfe very poor, in which
the wives with very little help, except from the
daily earnings OF their inefficient husbands, have
earned and managed to save enough to secure
In their own right neat little cottages free from
mortgage; have trained their children we'll, and
have won the respect OF all who know them
To do this family must for time practice
such ways OF economy as will expose them to
the imputation OF penurousness by their thrift
less neighbors but let them persevere; there
is no other way for them to become forehand-
ed Not TO do 1t is to be eternally poor and
dependent. 1 am aware that many choose
deliberately not to practice these habits OF self
denial; they prefer to enjoy life as it comes.
and be generous and free. Well, every young
married pair must choose for themselves. An
early life OF toll and saving Ii sure OF rich
reward the other way leads to the opposite
result AS we SOW IN temporal affairs, we shall
reap.


Many beginners in life cheat themselves
with promise that when times are better, or
some lucky day comes, they will begin to lay
by money. Delusions That attitude is utterly
false. The time to begin to lay by is to-day.
II it is only one dime, begin to-day. Increase
1t tomorrow. Deny yourself every luxury
until YOU see the ball is rolling, and then keep
1t rolling until the days of your poverty are
passed.


LIFE INSURANCE AND ANNUITIES.


The disclosures which have been made of the
extravaganza Of life-insurance management
have filed the public with sstonishment and
indignation. 1t is well known that all this ex-
travagance is paid for by the insured. A friend
of mine has an insurance on his life of 100000
He has paid up the policies in full The com
panies have failed, and bis policies are value
less and the provision which, he made with go
much cost for his family ls swept away. This
is the lot OF thousands But these abuses can
be and will be done away With. Some of the
guilty managers are already expiating then
crimes, and others will join them. An insttu-
ton SO well adapted to usefulness rsust con
tinue. There are many persons who have nc
faculty for laying up money, not even in
savinss-bsnk, who have done we'll to get theiI