Year: 1872

n note for friend, unless either he
gives you ample security, or you can
afford to pay it should your friend fail
to. More men nave been ruined by in
dorsing for others than in any other
way. Many of the best businessmen,
nowadays, utterly refuse to indorse
e,r any one, and this is by far the best
plan.


3. Never fail 10 pay debt upon the
very day you have promised to, and
upon no account ever let your note be
protested.


4. Never allow yourself to he dunned
twice for Il bill. If you are not pre-
pared to pay it when first presented,
fix n day when You will certainly pay it,
and fail not to be ready with the money
when the day comes. by observing
these rules your credit will soon come
to be A l, and You will always be able
to command the best bargains, because,
as the people say, "you are as good as
the bank"


5. Never have money " laying around
loose" or carry much with you, or keep
much on hand in your house. People
will find out your habits in this regard,
and people will talk, and the first thing
you know, Il professional cracksmGn'
will pay you visit.


6. When a slm of money isreceived,
invest it, first by paying any debts YOU
owe, second by securing everything you
really need, either for your family or
your farm, and third, if not required
for either Of these purposes loan it out
an good securities.


Z. Beware of owning too much un-
produc, i've real estate. The taxes make
this an improbable investment.


8. Invest III no enterprise that you
can not to some extent look after your
self, or which YOU do not fully under
stand. Much capital is every year
fooled away by investment in concerns
managed by tricky or impracticable
men, which never pay dividend, and
sooner or later are sold out to pay the
debts that have overwhelmed them.


.. Beware of speculation. 1t is only
gambling by another name; and the
person indulginy in it is far more likely
to loose SO in il than to make one.


10. If you should be in debt for
your homestead, or indeed for any prop
erty, insure Your life for an amount
sufficient to pay the debt, should You
unexpectedly drop off, and thus avoid
the possibility of your heirs loosing The
whole property in question. through
inability to pay oil ihc claims against It,


IL. Never. permit your expenses, in
the course of IL year, to exceed your in-
come. Bankruptcy is the natural re-
suit.


II. Collcc: any account that may be
due you without unnecessary delay
All claims weaken by age, and the
longer collection is postponed, the
greater the chance of not recovering it
ut all.


13. IF you have slow debtor, COM
promise your claim rather than let it
hang along indefinitely. One dollar
now is better than IN indefnate pros
pect of five Better take what you can
get and call it square in such eases.


II. Never so into law without the
greatest reasons. 1t is u game that
both sides get hurt at, and the chances
are about one in three that you will get
what You consider Justice.


Is. The best provision that can be
made for ones family is Il thorough ed
ucation for each one; we mean educa-
ton in it's broadest sense, embracing
the entire preparation for usual life,
and for self-maintenance This is bet
ter, for every son and daughter, than
even the fortune of an Astor would be.


DRUG STORE PERIL.-A correspondent
OF the New Orleans Picayune makes
some pertinent remarks on the unlawful
licensing of uneducated druggists. AS
an illustration of the vital importance
Of n thornuwh I.unwIoJ,ro ,f