Year: 1872

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A Cure for Hard Tines ssiias 7s


Go to woodwork earnestly, -intelli-
gently all the time. and live within. your
means. and so much within them, as to
lay by little money, It may be small
at first, but get into the habit Of laying by
some every week, and it will increase, =
Acquire the habit of saving something,
and you will be constantly learning how
to save more. 1t is bad plan to be. a
borrower in the start-better try and be
lender. Keep away from banks, which
have now became shaving shops, charging
twelve to sixteen per cent. No business
will justify such ruinous discounts, and
he who follows it up must come to the
wall, and that at no distant day. The
evidences of this fact are gathering thick
around us.


In prosperous times men feel that their
credit is increasing. and they are very
apt to run ahead of their means, expec-
ting good times to continue, but reverses
come and they are undone. To keep up
appearances, and ward off the evil hour
until better" times return, they resort to
loans, and the remorseless shaver, finding
them in his power, deals with heavy
hand, exacting usury that no legitimate
business will pay, and the consequence is,
that their affairs become worse aud worse.
Better wind up at once. loans, for after
years of anguish. they end in ruin at last.


Farming is depressed. and at best, land
will not pay six per cent; then what folly
to try and bear up under double that dis
count. Many think it great blessing to
have bank in village-it is such an
accommodation 1t is very convenient
as place of safe deposit for money, and
at the rate allowed BY law for discounts,
may be very useful, butwhen those rates
are doubled, all such institutions become
a curse. depressing all the great interests
that look to them for accommodation, and
adding to the wealth of the monied aris-
tocracy, and thereby giving it greater pow
er to grind the laboring classes into. the
dust. IF you have got into difficulties.
you will not be likely to get out of them
by borrowing money at twelve tostuenty
per cent. Wind up your business and
start in the new, and when you start, be
cautious to live within your means, and
not to encourage the crime of usury. -;
Idleness is a great curse. and the multi
tudes who are daily hanging around pub
lie places, wasting their timeE are drones
and consumers, and are consequently q
dead weight on society, which is bound
for their support. and in'one way or other
has to feed and clothe them. Sometimes
it seems as if one-half the white men and
colored men are idle. II they are paying
their own way, they are wasting their
means, which should be laid up to give
them the independence of having homes
of their own. Who can estimate the loss
to community, resulting from the vast
ed time of its able bodied men-labor
that might have made all the barren fields


1t is Of little use to speak Of the millions
thrown away on whisky and tobacco, as
the habits of their votaries are in general
past reformation; but to those who are
beginning life with fair prospects. OF. With
out pernicious habits, the success Of their
lives must 10 great measure depend on
their industry, sobriety, prudence and
economy. Keep away from drinking hou-
ses. from idle company ? and have the work
laid out for every day. and when the day
comes do the work, and more if you are
able-not many hurt themselves with over
work-at least hard workers are general
ly long-lived. Be careful to make pru-
dent bargains, and always to live within
your means, and by this method you will
soon acquire reputation and friends, and
then if it be necessary to 60 in debt in
order to acquire property, you can do SO
at the legal rate of interest, without ap-
plying to the Shylocks. A good plow
horse, and wagon horse, is worth dozen
of fast trotters. Fast young men. with
fast horses and stylish buggies and trotting
wagons, squander fortunes as fast as the
rum drinker-sometimes they beat him.
Learn trade, strive to be good work
man, and to gain reputation in your
business; marry healthy wife, and one
who can cook you nice meal, and keep
your house in order; be economical and
contented, and you will not be troubled
with hard times. ~ "st sa @@ Mcc.