"Almost all the advantages which man possesses above the inferior
animals, arise from his power of acting in combination with his fellows;
and of accomplishing by the united efforts of numbers what could not be
accomplished by the detached efforts of indivduals."--_J.S. Mill_.

"For the future, our main security will be in the wider diffusion of
Property, and in all such measures as will facilitate this result. With
the possession of property will come Conservative instincts, and
disinclination for rash and reckless schemes.... We trust much,
therefore, to the rural population becoming Proprietors, and to the
urban population becoming Capitalists."--_W.R. Greg_.


The methods of practising economy are very simple. Spend less than you
earn. That is the first rule. A portion should always be set apart for
the future. The person who spends more than he earns, is a fool. The
civil law regards the spendthrift as akin to the lunatic, and frequently
takes from him the management of his own affairs.

The next rule is to pay ready money, and never, on any account, to run
into debt. The person who runs into debt is apt to get cheated; and if
he runs into debt to any extent, he will himself be apt to get
dishonest. "Who pays what he owes, enriches himself."

The next is, never to anticipate uncertain profits by expending them
before they are secured. The profits may never come, and in that case
you will have taken upon yourself a load of debt which you may never get
rid of. It will sit upon your shoulders like the old man in Sinbad.

Another method of economy is, to keep a regular account of all that you