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Knowledge without practice in religion, is like a sun without light.

Keen razors, and sharp speeches have cutting effects.

L. Let thy zeal for truth be consistent with charity

Love thy friend but look to thyself.
Love not the world, nor the things ofit.

Love may be produced by choice, but you cannot get free from it easily. Lies stand upon one leg, truth upon two.

M. Money is like dung, it does no good until it is spread.

Marry not for money only, but let love and money unite to make wedlock happy.

Misfortunes none are exempt from.

Many bad things are done only through custom.

Merit may be hidden under a ragged coat.

Many know not the value of water till the well is dry.

N. No man is truly wise or safe, that has not the fear of God before his

eyes. Never promise what you cannot perform. Necessity is the mother of invention.

Nothing is so honourable as old friendship.

0. Our pleasures for the most part, are short, false and deceitful; and like drunkenness, revenge the madness of one hour, with the sad repentance of many,

One cannot spend time better, than in learning to spend it well.

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Only good and wise men can be real friends,

P. Passions are good servants but bad masters.

Pay well and you will never want workProsperity is not without its troubles, nor adversity without its comforts.

Passion makes them fools, which otherwise are not so; and shows them to be fools, which

men.

are so.

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Riches

may

be admitted into our houses but not into our hearts.

Riches are gotten with pain, kept with care, and lost with grief.—The cares of riches lie heavier upon a good man, than the inconvenience of an honest poverty.

Reputation is often got without merit, and lost without crime.

S.
Spare when young, and spend when old.
Sacrifice not thy conscience for money.

Study more how to die, then how to live.

Suspicion always paints in the darkest colour.

T The best way to humble a proud man is to take no notice of hirn.

Try to be good, although the world laugh you to scorn.

Though the coat be ever so fine that a fool wears, it is but a fool's coat still.

V. Virtue is its own reward, and vice its own punishment.

Virtue is nevertheless venerable for being out of fashion.

Virtue scorns a lie for its cover, and truth needs no orator to recommend it.

W.
Wisdom is both desirable and attainable,

Wisdom is often hid under a thread-bare coat.

When sin leaves us, we flatter ourselves that we leave it.

Where virtue guardeth the citadel, suspicion may assail, but shall never take it.

Y. Young men when once dyed in pleasure and vanity will scarce ever take any other colour.

2. Zeno, hearing a young man speak too free, ly, told him for this reason we have two ears, and but one tongue, that we should hear much and talk little,

Zeal without knowledge is like gunpowder ---soon blown in the air.

ADVICE

TO A

YOUNG TRADESMAN,

FROM

AN OLD ONE.

BY DR. BENJAMIN FRANKLIN.

REMEMBER that time is money:

He that can earn ten shillings a day by his labour, and goes abroad, or sits idle, one half of that day, though he spends but six-pence during his diversion or idleness, ought not to reckon that the only expence; he has really spent, or rather thrown

away, five shillings 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 a 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; 5s. turned is six ; turned again it is 7s. 6d. and so on, till it becomes £100. 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.

The more

He that murders a crown, destroys all it might have produced, even scores of pounds.

Remember that six pounds a year are but a groat a day. For this little sum, which may daily be wasted in time or expence, unperceived, a man of credit may, on his own secu. rity, have the constant use and possession of £100. So much in stock, briskly turned by an industrious man, produces great advantage.

Remember this saying, That the good paymaster is lord of another man's purse. He that is known to pay punctually and exactly to 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 uya. therefore, never keep borrowed money an hour beyond the time you promised, lest a disappointment shut up your friend's purse for

ever.

The most trifling actions that affect a man's credit, are to be regarded. The sound of your hammer at five in the morning, or nine at night, heard by a creditor, makes him easy six months longer. But, if he sees you at a billiard table, or hears your voice at a tavern, when

you should be at work, he sends for his money the next day. Finer clothes than he or his wife wears, or greater expence in any particular than he affords himself, shocks his pride, and he duns you to humble you. Cre- . ditors are a kind of people that have the sharpest eyes and ears, as well as the best memories, of any in the world.

Good-natured creditors (and such one would always chuse to deal with if one could) feel pain when they are obliged to ask for money. Spare them that pain, and they will love you

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