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Does nothing carelessly or in a hurry. Employs nobody to do what he can easily do himself.

Keeps everything in its proper place. Leaves nothing undone that ought to be done, and which circumstances permit him to do.

Keeps his designs and business from the view of others.

Is prompt and decisive with customers, and does not over-trade his capital. Prefers short credits to long ones; and cash to credit at all times, either in buying or selling; and small profits in credit cases with little risk, to the chance of better gains with more hazard.

He is clear and explicit in all his bargains.

Leaves nothing of consequence to memory which he can and ought to commit to writing.

Keeps copies of all his important letters which he sends away, and has every letter, invoice, etc., belonging to his business, titled, classed, and put away, Never suffers his desk to be confused by many papers lying upon it.

Is always at the head of his business, well knowing that if he leaves it, it will leave him.

Holds it as a maxim that he whose credit is suspected is not one to be trusted.

Is constantly examining his books, and sees through all his affairs as far as care and attention will enable him..

Balances regularly at stated times, and then makes out and transmits all his accounts current to his customers, both at home and abroad.

Avoids as much as possible all sorts of accommodation in money matters, and lawsuits where there is the least hazard,

He is economical in his expenditure, always living within his income.

Keeps a memorandum-book in his pocket, in which he notes every particular relative to appointments, addresses, and petty cash matters.

Is cautious how he becomes security for any person; and is generous when urged by motives of humanity.

Let a man act strictly to these habits

ever remembering that he hath no profits by his pains whom Providence doth not prosper and success will attend his efforts.

Taking a Store or Place of Business. If you are about to take a place of business, you will do well to consider the following remarks:

SMALL CAPITALISTS. Let us take the case of a person who has no intimate knowledge of any particular trade, but having a very small capital, is about to embark it in the exchange of commodities for cash, in order to obtain an honest livelihood thereby. It is clear, that unless such a person starts with proper precaution and judgment, the capital will be expended without adequate results; rent and taxes will accumulate, the stock will lie dead or become deteriorated, and loss and ruin must follow. For the least absorption acting upon a small capital will soon dry up its source; and we need not picture the trouble that will arise when the mainspring of a tradesman's success abides by him no more.

LARGER CAPITALISTS. The case of the larger capitalist can scarcely be considered an exception to the same rule. For it is probable that the larger capitalist, upon commencing a business, would sink more of his funds in a larger stock-would incur liability

to a heavier rent; and the attendant | taxes, the wages of assistants and servants, would be greater, and, therefore, if the return came not speedily, similar consequences must sooner or later

ensue.

LOCALITIES. Large or small capitalists should, therefore, upon entering on a storekeeping speculation, consider well the nature of the locality in which they propose to carry on trade, the number of the population, the habits and wants of the people, and the extent to which they are already supplied with the goods which the new adventurer proposes to offer them.

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formed, and to take advantage of the now improved condition of the locality. It seems, therefore, desirable for the small capitalist rather to run the risk of a more expensive rent, in a wellpeopled district, than to resort to places of slow and uncertain demand; for the welfare of the small dealer depends entirely upon the frequency with which his limited stock is cleared out and replaced by fresh supplies. PRECAUTIONS. But should the small capitalist still prefer opening in a suburban district, where competition is less severe, and rents and rates less burdensome, there are certain precautions which he will do well to observe, He should particularly guard against opening a shop to supply what may be termed the superfluities of life; for the inhabitants of suburban districts are those who, like himself, have resorted to a cheap residence for the sake of economy. Or, if this be not the case -if they are people of independent means, who prefer the "detached villa" to the town house, squeezed up on both sides, they have the means of riding and driving to town, and will prefer choosing articles of taste and luxury from the best marts, enriched by the finest display.

NEW NEIGHBORHOODS. — There is a tendency among small capitalists to rush into new neighborhoods with the expectation of making an early connection. Low rents also serve as an attraction to these localities. We have found, however, in our experience, that the early suburban places seldom succeed. They are generally entered upon at the very earliest moment that the state of the locality will permit often before the house is finished the store is tenanted, and goods exposed for sale even while the streets are unpaved, and while the roads are as rough and uneven as country lanes. The consequence is, that as the few NECESSITIES OR LUXURIES.-The inhabitants of these localities have fre- suburban storekeeper should, therequent communication with adjacent fore, confine himself to supplying the towns, they, as a matter of habit or necessities of life. Hungry people disof choice, supply their chief wants like to fetch their bread from five miles thereat; and the suburban dealer de- off; and to bring vegetables from a pends principally for support upon the long distance would evidently be a accidental forgetfulness of his neigh-matter of considerable inconvenience. bor, who omits to bring something from the cheaper and better market; or upon the changes of the weather, which may sometimes favor him by rendering a "trip to town" exceedingly undesirable.

FAILURES. "While the grass is growing the horse is starving;" and thus, while the new district is becoming peopled, the funds of the small tradesman are gradually eaten up, and he puts up his shutters just at the time when a more cautious speculator steps in to profit by the connection already

The baker, the butcher, the grocer, etc., are those who find their trade first established in suburban localities. And not until these are doing well should the tailor, the shoemaker, the hatter, the draper, the hosier, and others, expect to find a return for their capital and reward for their labor.

CIVILITY. In larger localities, where competition abounds, the small dealer frequently outstrips his more powerful rival by one element of suc cess, which may be added to any stock without cost, but cannot be withheld

without loss. That element is civility. It has already been spoken of elsewhere, but must be enforced here, as aiding the little means of the small trader to a wonderful degree. A kind and obliging manner carries with it an indescribable charm. It must not be a manner which indicates a mean, grovelling, time-serving spirit, but a plain, open, and agreeable demeanor, which seems to desire to oblige for the pleasure of doing so, and not for the sake of squeezing an extra penny out of a customer's pocket.

INTEGRITY.The sole reliance of the storekeeper should be in the integrity of his transactions, and in the civility of his demeanor. He should make it the interest and the pleasure of the customer to come to his place. If he does this, he will form the very best" connections," and so long as he continues this system of business, they will never desert him.

He

DUTIES OF A STOREKEEPER. should cheerfully render his best labor and knowledge to serve those who approach his counter, and place confidence in his transactions; make himself alike to rich and poor, but never resort to mean subterfuge and deception to gain approbation and support. He should be frugal in his expenditure, that, in deriving profits from trade, he may not trespass unduly upon the interests of others; he should so hold the balance between man and man that he should feel nothing to reprove his conscience when the day comes for him to repose from his labors and live upon the fruits of his industry. Let the public discover such a man, and they will flock around him for their own sakes.

Early Rising. The difference between rising every morning at six and at eight, in the course of forty years, amounts to 29,200 hours, or three years one hundred and twenty-one days and sixteen hours, which are equal to eight nours a day for exactly ten years. So that rising at six will be the same as if ten years of life (a weighty consideration) were added, wherein we may

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command eight hours every day for the cultivation of our minds and the despatch of business.

FRUGALITY.-The great philosopher, Dr. Franklin, inspired the mouthpiece of his own eloquence, “Poor Richard," with "many a gem of purest ray serene," encased in the homely garb of proverbial truisms. On the subject of frugality we cannot do better than take the worthy Mentor for our text, and from it address our remarks. A man may, if he knows not how to save as he gets, "keep his nose all his life to the grindstone, and die not worth a groat at last. A fat kitchen makes a lean will."

Many estates are spent in getting,

Since women for tea forsook spinning and knitting, And men for punch forsook hewing and splitting."

If you would be wealthy, think of saving as well as of getting. The Indies have not made Spain rich, because her out-goes are greater than her in

comes.

Away with your expensive follies, and you will not have so much cause to complain of hard times, heavy taxes, and chargeable families.

"What maintains one vice would bring up two children."

You may think, perhaps, that a little tea, or superfluities now and then, diet a little more costly, clothes a little finer, and a little entertainment now and then, can be no great matter; but remember, "Many a little makes a mickle."

Beware of little expenses: "A small leak will sink a great ship," as Poor Richard says; and again, "Who dainties love, shall beggars prove;" and moreover, "Fools make feasts and wise men eat them."

Here you are all got together to this sale of fineries and nick-nacks. You call them goods; but if you do not take care they will prove evils to some of you. You expect they will be sold cheap, and perhaps they may, for less than they cost; but if you have no occasion for them they must be dear to you.

Remember what Poor Richard says,

64 Buy what thou hast no need of, and ere long thou shalt sell thy necessaries."

"At a great pennyworth, pause awhile," He means, perhaps, that the cheapness is apparent only, and not real; or the bargain, by straitening thee in thy business, may do thee more harm than good; for in another place he says, Many have been ruined by buying good pennyworths,"

"It is foolish to lay out money in the purchase of repentance;" and yet this folly is practised every day at auctions for want of minding the Almanack,

Cash and Credit. If you would get rich, don't deal in bill books. Credit is the "Tempter in a new shape," Buy goods on trust, and you will purchase a thousand articles that cash would never have dreamed of. A dollar in the hand looks larger than ten dollars seen through the perspective of a three months' bill, Cash is practical, while credit takes horribly to taste and romance. Let cash buy a dinner, and you will have a beefsteak flanked with onions, Send credit to market, and he will return with eight pairs of woodcocks and a peck of mushrooms, Credit believes in diamond pins and champagne suppers, Cash is more easily satisfied," "Give him three meals a day, and he doesn't care much if two of them are made up of roasted potatoes and a little dirty salt, Cash is a good adviser, while credit is a good fellow to be on visiting terms with. If you want double chins and contentment, do business with cash.

Don't Run in Debt.

"Don't run in debt; "never mind, never mind
If your clothes are faded and torn:
Seam them up, make them do; it is better by far
Than to have the heart weary and worn.

Good friends, let me beg of you, don't run in debt
If the chairs and the sofas are old,
They will fit your back better than any new set,
Unless they are paid for with gold,

If the house is too small draw the closer together,
Keep it warm with a hearty good will;

A big one unpaid for, in all kinds of weather,
Will send to your warm heart a chill,

Don't run in debt - now, dear girls, take a hint,
If the fashions have changed since last season,
Old Nature is out in the very same tint,

And old Nature, we think, has some reason. But just say to your friend, that you cannot afford To spend time to keep up with the fashion: That your purse is too light, and your honor too bright,

To be tarnished with such silly passion. Gents, don't run in debt-let your friends, if they

can,

Have fine houses, and feathers, and flowers; But, unless they are paid for, be more of a man Than to envy their sunshiny hours.

If you've money to spare, I have nothing to say —
Spend your silver and gold as you please;
But mind you, the man who his bill has to pay
Is the man who is never at ease.

Kind husbands, don't run into debt any more;
"T will fill your wives' cup full of sorrow
To know that a neighbor may call at your door,
With a claim you must settle to-morrow.

Oh! taka my advice—it is good, it is true!
But, lest you may some of you doubt it,
I'll whisper a secret now, seeing 't is you -
I have tried it, and know all about it;
The chain of a debtor is heavy and cold,
Its links all corrosion and rust;
Gild it o'er as you will, it is never of gold,
Then spurn it aside with disgust,

The Art of Carving.-CEREMONIES OF THE TABLE, ETO,- - A dinner-table should be well laid, well lighted, and always afford a little spare room. It is better to invite one friend less in number, than to destroy the comfort of the whole party.

THE LAYING OUT OF A TABLE must greatly depend upon the nature of the dinner or supper, the taste of the host, the description of the company, and the appliances possessed. It would be useless, therefore, to lay down specific rules. The whiteness of the tablecloth, the clearness of glass, the polish

Who'll love you the more for the shape of your hat, of plate, and the judicious distribution

Or your ruff, or the tie of your shoe,

The cut of your vest, or your boots, or cravat, If they know you're in debt for the new?

There's no comfort, I tell you, in walking the street
In fine clothes, if you know you're in debt;
And feel that, perchance, you some tradesman may
meet,

Who will sheer-"They're not paid for yet,"

of ornamental groups of fruits and flowers, are matters deserving the utmost attention,

A SIDEBOARD will greatly relieve a crowded table, upon which may be placed many things incidental to the

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