The several short articles herein contained were first written and published twenty-five years ago as an expression of the writer's convictions. Having come to the conclusion that conditions, in many respects, have not improved—in fact have become more alarming; and in consequence the future outlook in these most strenuous and extravagant times more uncertain, the writer was prompted to incorporate these ideals in a booklet and dedicate the same to his younger friends. G. A. BAUMAN,       Quincy

It is the young man and young woman of to-day, with a practical education, who will adorn our best homes of the future. It is the manager and the financier who is the practical one. It is the young man with good habits who has a bank account, who shows evidence of becoming a financier. It is the young woman who trains herself with the duties of home-work, that will become a manager. It is the observing, the prudent, who will be the practical one. The majority of our young friends of to-day are b

It is a question not so important how to save, as how to promote the growth of your savings. It is sometimes an easy matter to know how to make money, but knowing how to keep it and especially how to place it where it will earn the most, consistent with its safe keeping, is a matter that needs careful consideration. How many a hard-earned dollar finds its way into some visionary scheme; is invested in some fictitious, widely advertised enterprise, with agents on every hand offering glaring profi

Common sense is the only true promoter of mankind and yet how few of our present generation strive to obtain the knowledge. Our boys and girls may have had their proper beginning at school, in due time successfully passed the usual graduation exercises, and some more may have received a costly course at college, yet those having been deprived of the most important instruction stand before the world as helpless as in their beginning. To learn to work is the foundation in constructing the knowledg