MARCH 1885. MARCH. 1898. School Savings Banks IN THE UNITED STATES A MANUAL FOR THE USE OF TEACHERS. RULES AND REGULATIONS. HINTS AND SUGGESTIONS FOR THE INTRODUCTION AND THE PRACTICAL WORKING OF THE SCHOOL SAVINGS BANK SYSTEM. CDLLECTIDN DF PROVERBS. THIRD EDITION, BY J. H. TH IR Y, of Lon(j Rland City, N. Y. New York: THE AMERICAN BANKER, 29 Murray Street, 189S. ^PHIS treatise is respectfully dedicated ^ to the following functionaries in grateful acknowledgement of their co¬ operation in the cause of School Savings Banks in the United States: The HON. W. T. HARRIS, LLD. Commissioner of Education of the United States. HON. JNO. EATON, Ex-Commissioner of Education of the United States. HON. CHARLES R. SKINNER, Superintendent of Public Instruction, State of New York, AND HON. A. S. DRAPER, Ex-Superintendent of Public Instruction, State of New York, now President of the University of Illinois. t By their humble servant, J. H. THIRY. Entered in the office of the Lillrarian at Washington, D. C., by J. H. Thiet, in the year 1898. \ “% o o w t ^ I t CONTENTS. Page 1 1 2 2 2 4 4 6 7 8 8 9 9 10 11 ) t, il I # t i Introduction, ........ Steps to be Taken Previous to the Introduction of tbe System, Contents of Circular, ....... Giving Notice, . . . REGULATIONS,. The Part Savings Banks Play in School Savings Banks, The Legislation of School Savings Banks in connection with the Banks which are willing to receive the Deposits of the Scholars, The Blank Forms— Printed Form No. 1, (Outside Weekly Card) . . . . “ “ No. 1, (Inside Weekly Card) .... “ “ No 2, (Teacher’s Monthly List of Depositors) “ “ No 3, (Deposit Slip) ..... “ “ No. 4, (Blank Check to withdraw money) . “ “ No. 5, (Envelope to contain weekly collection) “ “ No. 6, (Ledger heading which may be used by the Prin¬ cipal only) . ..... Collection of Proverbs, Quotations, etc. .... w ■* Bl; W-* ‘r.. I' " J V ' . 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The fourth edition of the rules and regulations for the introduction and practical working lof the system published in 1892 being nearly ex¬ hausted, and numerous applications for copies being daily received from all parts of the United States, the introducer of the plan, with the view of fostering and encouraging the spreading of the system, and also with the aim of answering more promptly and more effectively the appeal made for information by those who seek its introduction, and by some others who wish to acquire a knowledge of its adaptability to the school curricula, takes pleasure in offering this fifth edition of the rules and regulations. A copy will be mailed free of charge to any one who will apply to J. H. Thiry. The printed forms, and the practical features of the system adopted in the schools of Long Island City since 1885 are and have been considered the shortest, simplest and most effective in every respect that could be devised as regards labor in the school room, and clerical work in the banks. Twelve years of experience have suggested no improvement in them, STEPS TO BE TAKEN PREVIOUS TO THE INTRODUCTION OF THE SYSTEM. 1. —School Boards do not require authorization of the State or nation to enable them to introduce the banking feature in the schools; they are invested with the necessary power. If the teachers, principal or the superintendent be the first mover in the cause, application for au¬ thority must be made to the School Board. 2. —After receiving the authorization, the superintendent or principal should endeavor to secure the co-operation of a savings bank near the school, which will receive the weekly savings of the scholars, arrange matters regarding the hour for deposits, and decide the question of blank forms, also by whom the cost of the printing should be supported, etc. 3. —Having received the necessary authorization, and fixed the date of the first day for the collection of the savings of the scholars, the School Board, the superintendent, or even the principal, should issue. 2 a few days previous to the starting-, a circular addressed to the parents, the press and the friends of the schools. THIS CIRCULAR OUGHT TO CONTAIN. First—The reasons which prompt the board to introduce the system. Second—The date of the day tha t the system will be put in operation. Third—An appeal for the earnest co-operation of the teachers, par¬ ents, the local press, the friends of the children and the schools. Fourth—A sketch of the rules and regulations for the successful working of the plan. With the circular should be sent a copy of the weekly deposit card (as sample No. 1, page 6). Such card to be returned to the teacher by the scholar the day of collection. Money deposited in the school fund by the scholars ought not to be a drain upon the resources of the parents. We seek rather a sound and healthy growth of the system than the accumu¬ lation of a large amount of money for the success of school banks is measured more particularly by the number of depositors than by the amount of money collected. The same circular should impress parents that school savings banks are not savings banks for adults; the money a child de¬ posits should be the product of his own labor, or be derived from a right source; and teachers, and the public in general, that school savings banks, managed wisely, will become most salutary agencies in education. GIVING NOTICE. On the Friday previous to the depositing day (Monday) the superin¬ tendent or principal may prepare a brief address to the pupils at the closing exercises, stating the advantages derived from the practioal les¬ sons of thrift and economy, and the evils resulting from a wrongful use of pocket money. Scholars should then be informed that on the day following (Monday) teachers will be prepared to receive for deposit all sums from a penny to a dollar, and that these sums will be deposited the same day in the local savings bank in the name of each depositor, who will receive a regulalr savings bank book when the amounts shall have reached a dollar or more. After dismissing the school on Friday, the superintendent or princi¬ pal will gather the teachers together, and, informing them of the steps already taken for the introduction of the system, will explain the use of the blank forms, and teach them more in fifteen minutes than they could learn in a month’s practice. REGULATIONS. In calling a name from the roll-book of the class the child must say, if he has anything to deposit, “Yes, one cent,” or “Yes, five cents,” or whatever sum he has. He must immediately rise from his seat and deliver his money with his weekly card (see specimen No. 1, page 6) to the teacher, who counts the money and inscribes the amount in the Monday column of the roll-book, and upon the weekly card upon which the name of the pupil, the teacher, and amount of previous deposits are inscribed. — 3 — In calling the roll, if nothing has been saved, the scholar must answer “no” and the teacher makes a mark to that effect, at the same time marking the attendance. When the teacher has concluded calling the roll and collecting the savings, the money collected in the class is counted to see if the amount corresponds with the total amount inscribed in the roll-book. If the amounts tally, the money is immediately sent to the principal or superintendent in a sealed envelope (specimen 5, page 9). This ends the teacher’s work, except that, with the collection of the last Monday of each month, a list is sent to the principal on this same day (specimen No. 2, page 10) of all the depositors of the class, with name and amount to be credited in the savings bank to each depositor who has contributed to the school fund fifty cents and over, during the month. Sums less than fifty cents, although kept in the bank to the credit of the principal, will be credited to the “Greneral fund” until the scholar has reached the sum fixed. Then it will be credited to the schol¬ ar’s account. As to the principal; He receives immediately after collection, in a sealed envelope, the amount collected by each of the teachers separately; he does not require a special book; the printed form, (specimen No. 2, page 8) and received at the end of each month from the teacher, is sent to the bank with the bank books of the pupils who have contributed fifty cents and above. That same list is returned the week after, from the bank to the principal, with the bank books of the pupils inscribed in the list No. 2, cited above. So, these monthly lists in his possession take the place of a special book. But if he desires to keep a separate book to inscribe the weekly deposits of teachers, the specimen No. 6, page 10, is well calculated to meet that need, and to save expenses, can be easily made by hand. As for details of the weekly deposits by individual pupils, if he needs them, he can secure them by borrowing the roll-books of the teachers. These roll-books are the property of the school, and as such are preserved by the authorities as official records. When the first general deposit of a school is sent to the bank by the principal, he receives in return a bank book in which is recorded the total amount deposited by all the teachers. W^hen money is deposited, a bank ticket (specimen No. 3, page 8) must accompany each weekly deposit to the bank. This ticket No. 3 is also used by the teacher in connection with the deposit list No. 2, at the end of each month, by in¬ scribing thereon the number of bank book, amount to be deposited, and name of pupils, and sending it with the pass book to the bank. The moral influence derived from the gleaning of so many pennies, which previously were spent for unnecessary things often injurious to body, mind and soul, is enough to make all those who wish to see the future citizen more industrious, law abiding and useful to himself and to the State, rejoice and assist in carrying on the good work. Drop into a bank on a Monday forenoon which is lending a helping hand to this new juvenile and economic educator, and you will see enter a school janitor with a smile upon his face, and a box or parcel under* his arm, which contains the collection of the pennies saved during the previous week by the pupils of a school. The contents of these boxes and parcels contain many silent stories. It is a sowing of the seed which will produce a hopeful harvest. Though the bank books of the scholars are sent to the bank once every three months for balancing, the principal need not send to the bank the pass book of a child who has not deposited 50 cents and above during the past three months. At their request, the principal will allow the little depositors to take their bank books home once a month, say — 4 — on Friday, to be returned the following- Monday. During vacation, or when a pupil leaves school, the bank book will be surrendered to the child, who may deposit or withdraw money directly from the bank, the cashier acting during vacation for the principal. At the reopening of the school the principal will request the cashier of the bank to furnish him a list of the school banking operations during the vacation, and will inscribe upon his own journal the amount deposited or withdrawn by each pupil during the above vacation. With the view of reducing the clerical work in the bank and at the same time remedying the inconvenience caused by some depositors living far from the savings banks, the superintendent or the principal may receive on Monday morning, day of collection, applications to -withdraw part or all the money in the bank of scholar depositors. The superin¬ tendent or the principal will pay the checks presented with some of the money already collected that day, and will send such receipted checks (see form No, 4, page 9) to the bank with the collection of the day. The amount of these checks will be received at the bank as cash, and en¬ tered in the account of the principal or superintendent, and charged to the individual account of the depositors interested. The superintendent or the principal, acting as the de facto treasurer of the school, should render, at the end of each school term, to the Board of Education, at its regular meeting, an account of all the banking trans¬ actions in his school during the term, stating the work done, number of depositors, amount deposited, withdrawn and remaining due depositors, followed by a description of the advantages or inconvenience offered by the system from observations taken during the last school term. Such information and statistics could be embodied in the Annual Report of the Board of Education. THE PART SAVINGS BANKS PLAY IN SCHOOL SAVINGS BANKS. % No-w that we have described the details for the introduction in the school of the savings bank system, let us step into a savings bank which has arranged to receive the deposits of the scholars. Savings banks being regarded as benevolent institutions, their object is to receive the savings of the working people, and invest the same for them, and make these savings earn money as labor does. The doors of savings banks are open to the people of all ages, color and nationalities, and their healthful influence in the community is extended even to minors. In many cities and towns of our country, the savings banks have opened their doors to 28,335 pupils of 280 schools of America, and they have al¬ ready received in deposits during the last few years $451,211.37 by the intermediation of teachers, who act as their trustees in a certain meas¬ ure. Of this sum $158,197,14 remains due little depositors. THE LEGISLATION OF SCHOOL SAVINGS BANKS IN CONNECTION WITH THE BANKS WHICH ARE WILLING TO RECEIVE THE DEPOSITS OF THE SCHOLARS. When the trustees of a savings bank have offered to the school au¬ thorities to receive the deposits of the scholars by the co-operation of the superintendent or the principal of the school it is advisable: 1. That the bank have a special ledger to record the scholars’ deposits, pro-viding the number of depositors -will amount to 500 and above. 2. That the bank give to each of the superintendents, or the principal sending the weekly collections to the bank, a separate bank book. The — 5 — superintendent or principal will fill out a deposit slip (as sample No. 3> for the amount received from their school each Monday morning, then send the money together with his book and slip to the bank. The amount will be placed to their credit. The scholars having contributed $1.00 are entitled to receive each a bank book, and as such, his future account in the bank will be treated the same as any individual account. The monthly list (sample No. 2) drawn by the teacher and sent to the principal wuth the collection of the last Monday of each month will include all the names of the several scholars with amounts which they are to be credited with. The list of all the teachers of a school will be sent to the bank by the principal. It is from these lists that the cashier of the bank will enter on each pupil’s pass-book and on the bank’s ledger the amount to be credited on the pupil’s pass-book. The total monthly amount of the several lists of the same school will be deducted from the principal’s pass-book and charged on the bank’s ledger to the superintendent or principal’s account, they giving a check for the same. The above manner of transacting school banking affairs has been in operation in a great many schools and banks the past few years with success, but, by way of reducing the clerical work in the banks, it is advisable that in a bank having 2,000 scholar depositors and above, weekly deposits should be allowed to accumulate and the transfer to the pupil’s pass-book takes place only at the end of every quarter. This question is left tO' the judgment of the school and bank authorities, as also the one relating to the interest to be allowed to scholar depositors. In most of the post office savings banks in Europe no interest is al¬ lowed to individual depositors for sums less than five dollars, nor for a period less than a month. The average rate of. interest is 2% per cent. In Italy the savings banks do not allow interest to depositors. In concluding the above remarks relating to school savings bank legislation, the writer may add that he has referred to the most vital points, leaving some of its minor details to the judgment of school and bank authorities and to the discretion of superintendents and principals. The rules laid down here for the limitation of weekly deposits, as well as the amount fixed entitling a pupil to receive the regular bank book,-may-be altered so as to make them compatible with some local peculiarities. But under any circumstances the time fixed to receive the savings of the scholars cannot be changed, viz.: Precisely at 9 o’clock every Monday morning at the opening of the morning session. If it should be decided to have the collection of the savings taken outside of school time, or even to allow an officer of the local savings bank to in¬ terfere in the school rooms with the collections, better not to introduce the system, for it would be unfair to overtax the teacher, and at the same time deprive the scholars of their recreation time. School banking being considered as an important factor in education must be practiced under the supervision of the teacher, and in conjunc¬ tion with other school work. The presence in the school of an agent of the bank to collect the savings of the children would rob them of the educative value expected. 6 THE BLANK FORMS. The following blank forms meet all requirement for the practical and successful working of the plan. By the most competent judges, they are considered superior to those now in use in Europe. The Roll Book is the first needed form. It is not necessary to represent it here. Any system of roll book will answer the purpose for recording the school savings bank fund. PRINTED FORM NO. 1. (OUTSmK—FOE INSroE FORM SEE NEXT PAGE.) Pupil’s Weekly Card.—T his card is given to the pupil when he makes his first deposit, and the name of the depositor, the teacher, and the amount deposited must be inscribed thereon. The scholar retains the card and it must be presented every Monday if a deposit is to be added. The cards are gener¬ ally furnished by the school board. In the hands of the scholars such a card has proven the most eflScient means of inducing them to make a start in the work of saving and continuing it afterwards : “ The habit of saving is an essential part of a true practical education.” •o CX 3 00 >1 O — '5 t—c bt c >- a X o X >> Q. 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M ^ ® ® ® ® ® ® c ? a ^ u V o (-1 ® .a o a ® a « m4 ® .o ® p mm 0) mm mm ® .O ® .o ® > > > > o ® ® o o o c o O o ® ® ® ® o o !2: Q my Q Q H • 1 1 1 • 1 • 1 f • « 1 • 1 • 1 • 1 1 t • • 1 f 1 1 1 • • 1 • • • • • 1 • • • t 1 1 i 1 < 1 1 • • 1 • t • 1 I ^ 1 •-*. • 1 • 1 t • « t • • 1 ' ^ 1 i < 1 • 1 1 • • 1 • 1 1 1 1 1 • 1 • 1 1 • 1 1 • 1 • • • • ■ ■ * 1 • 1 • 1 • 1 1 Ol 05 CO • 1 j 1 1 1 1 lO o? • t 1 « • 1 1 1 1 1 1 ® ® tH ® ® CO H 2 CO o .o r£ .£ CO (M fM mm mm mm mm ® ^ 6, ^ W o ® ® *+J 4<9 0. 4^ ® -M o O rO O Q s 0 a Oh ® Ph ® Ch ® (P ® ® 4^ o 4d O •“S C/2 02 02 02 O O . o 8 — PRINTED FORM NO. 2. (teaCHERTS MONTHLY LIS'! OF DEPOSITORS.) This list is sent at tlie end of each months with the last collection of the month, to the Superintendent or Principal by every teacher of a school, with the bank books; and must contain the names of the depositors and amounts collected during the month, to be credited in the bank. These lists are sent to the bank by the Superintendent or Principal whenever transfers to the children’s bank books are to be made. These same lists are returned by the bank to the Superintendent or Principal, a couple of days after, with the pass books of the little depositors, who are allowed to take them home the last Fri¬ day of the month, to be returned the following Monday : Deposited in the LCNG ISLAND SAVINGS BANK, to the credit of the following pupils of Graminer B Class, Third Ward School of Long Island City. Em.'na Lawrence, Teacher. Acer. Nos. NAMES. Deposited. .18 Deposited. .18 Deposited. .18 Deposited. .18 Deposited. .18 ■$ CCS. $ cts. $ cts. $ cts. $ cts. 639,567 Ernestine E. McGee... 2 10 4 00 1 10 1 10 8 20 656,432 Peter Knauer. 3 00 5 00 1 4 00 1 30 13 39 656,321 Alexander Swalenberg. 1 00 2 50 00 1 25 5 75 1 27 25 PRINTED FORM NO. 3. This is the ordinary deposit slip used by both Principal and teacher. By the Principal, in sending to the bank the weekly collection of his teachers, with the bank book he previously received from the bank in making the first deposit for the school under his charge. The bank book of the Principal indicates the total amount the school is credited with to the bank and also serves to free him from responsibility. Although he deposits the money of the school in the bank, he cannot personally withdraw any. The same slip is also used by the teachers at the end of each month to inscribe on it the amount deposited by each pupil. Such slip to be placed inside of the pass book of each depositor and sent to the Principal who forwards them to the bank. The bank officers inscribe only the deposits in the bank books of the scholars and not the teachers nor the principal. CO "la *5 Book No Date. Amoimt 189... $ Na 7 ne tJ5 c: o — 9 PRINTED FORM NO. 4. •Tlie blank check is delivered by the Principal to the owner of the pass book who wishes to withdraw part, or all the money deposited. The pass book must be presented to the bank with the check signed by the owner of the bank book, his parents or guardians and the Principal, without which the bank will refuse to pay the money called for. THE PASS BOOK MUST BE PBESENTED WITH THE CHECK, Long Island City . 189 $ . LONa ISLAND CIT7 SAVINGS BANK, COR. JACKSON AVENUE AND THIRD STREET. Pay . his parents or guardians . Dollars. and charge to account of Book No Principal. Signature. PRINTED FORM NO. 5. As soon as the savings of a class are collected, counted and found to corre¬ spond with the total in the roll book, the money is put in one envelope, sealed and endorsed as below and sent to the Principal, who makes the list of names and amount collected by eaeh teacher. Six teachers, six envelopes (See Form 6 for Principal’s list.) The total amount is recorded on a check, as No. 3 and sent with the money and his bank book to the bank, which bank book is re¬ turned by the deliverer of the same. At his leisure time the cashier of the bank breaks the seal and counts the money. Generally the school janitor takes the money to the bank. Thus far no error or trouble has been experienced, although the system has been in operation twelve years. Grammer B School r. 1 I EMMA LAWRENCE. ! j i October 26, 1890. $27.25 lO FORM NO. 6. This blank form has proven to he the most concise and efficient form for the Principal or Superintendent to keep the record of the weekly deposits of the teachers. It has been in use in the Third Ward school of Long Island City, by its Principal, Mrs. Mary E. McGee, since 1885, and it seems to answer in every respect the needs of the Superintendent or Principal. BANKING. Third Ward School of Long Island City^ Sept. 9 to Oct. 7, 1897. Mrs. Mary E. McGee, Principal Sept. 9. Sept 16. Sept. 23 Sept. 30. Oct. 30. Miss. E. Lawrence, Teacher_ $6.10 $11.50 $6.10 $0.35 $0.66 “ E. Waddell. “ .... 8.15 6 25 10.35 4.09 6.35 “ E Lynch, “ .... 11.10 11.30 10.80 9 56 9.54 “ E. Chadsy, “ - 6 21 3.77 5.17 3.95 4.84 $31.50 $32 92 $32.42 $17.86 $21.38 If the system is to be introduced at all, it ought to enter in our school rooms as an educational factor and not as a purely capitalistic idea. It must become part of the ordinary programme of school work, disturbing no other element of the work, gaining a strong foothold by its merit. It is for the above reasons that (1) deposits of the scholars should be recorded in the roll- book, thus coming into accord with the other studies on the programme; that is to say, a teacher does not need another book for recording the deposits. (2) That Monday ( at the beginning of the morning session) is the day on which the savings of the scholars should be collected. (3) That the money be deposited the same day, by the Principal or the Superintendent, in a sav¬ ings bank, or sound trust company, and in such a manner as to enable the depositor to withdraw a part or all of his money at any time. Further information and the privilege to print and use the copyrighted card will be given free of charge by MRS SARA LOUISA OBERHOLTZER, 1905 Tioga St., Philadelphia, Pa., or J. H. THIRY, 181 Academy St., Long Island City, N.Y. January 31, 1898. For Copies of the above Rules and Regulations, apply to the publisher, the Editor of The American Banker, 29 Murray Street, New York. Price, 25 cents per copy. COLLECTION OF PROVERBS, QUOTATIONS, ETC. Selected and Arranged by J. H. THIRY of Long Island City, N, Y. This selection, like other contributions that the compiler has laid before the public during the last few years, is the result of a never varying inten¬ tion to stimulate and eucourage our teachers to extend the sphere of school savings banks throughout the public schools of the United States. The history of wit, quotations and proverbial forms of expression is the story of nations. Long before Ihe invention of printing, (1438) a great many proverbs and pithy sayings of wise men passed from lip to lip as the unwritten laws of morality and action. Later, some i)hilosophtrs embodied them in their literary productions. They have proven to be strong factors in determining the actions and characters of the most famous men among our forefathers. Proverbs and quotations are not only of importance for what they contain of matured thought, but also for what they suggest. Many of these old sayings refer to the advantages of thrift and economy, a circumstance which has im¬ pelled the writer to collect and arrange them in the following pages so that they could conveniently serve as reference and as a very useful compendium to the new rules and regulations of the school savings bank system. From this selection the teachers may draw some inspirations and ideas, if they wish to prepare addresses or write contributions to the press with a view of stimu¬ lating a spirit of thrift and economy among the people, and most particularly among the scholars. * “A bad compromise is better than a successful stiit.” “ A crooked stick will have a crooked shadow.” “ A crown in pocket doth you more credit than an angel spent.” “ A dead bee maketh no honey.” ‘‘ A debauched son of a noble family is a foul stream from a clear spring.” ‘‘ A dog will not cry if you beat him with a bone.” ” A drunkard’s pur.se is a bottle.” ” A father is a treasure, a brother a comfort, but a friend is both.” ” A fool, if he holds his tongue, passes for wise.” ‘‘A gentleman should have more in his pocket than on his back.” ” A gentleman without an estate is a pudding without suet.” ” A gift with a kind countenance is a double present.” * ‘ A good beginning makes a good ending.” “ A good p’ esence is a letter of recommendabon.” “A great fortune in the hands of a fool is a great misfortune.” “ A great load of gold is more burdensome than a light load of grave.” “A handful of common sense is wmrth a bushel of learning.” {Spanish proverb.) ‘‘A knavish confession should have a cane for absolution.^’ ‘‘A liar is a bravado toward God and a coward toward man.” ‘‘A light purse makes a heavy heart.” ” A liquorish tone is the purse’s canker.” ‘‘A httle debt makes a debtor, but a CTeat one an enemy,” ” A little house well filled, a little land well tilled and a little wife well vrilled are great riches.'’’ ‘‘ A man among children will long be a child, a child among men will soon be a man.” ‘‘ A man as he manages himself may die old at thiity, or young at eighty.” “A man forewarned is forearmed.’^ ‘‘ A man in passion ndes a horse that runs away with him.” “ A man knows no more to any purpose than he practices.” “ A man, like a watch, is to be valued for his goings.” “A man may be young in years, j-et old in hours.’’ “ A man may lead his horse to water, but cannot make him drink.” ” A man may talk like a wise man and yet like a fool.” “ A man of cruelty is God’s enemy.”' “A man of gladness seldom falls into madness.” A man of words and not of deeds, is like a garden full of weeds.” “A man without money is like a bow without an arrow.” ” A man that keeps riches and enjoy them not, is like an ass that carries gold and eats thistles.” ” A man without reason is a beast in season.” ‘‘ A man’s folly is his worst foe, and his discretion his best friend.” ‘‘A man’s gift makec room for him.” ” A mariner must have his eye upon the rocks and sands as well as upon the north star.” • '‘A man’s mind is a meek mirror.” A merchant s happiness hangs upon chances, winds and waves.” A merry compenion is music on a journey.” “ A nice wife and a hack door do often make rich men iH>or.’ “A penny more buys the whistle; a penny saved is a i»enny gained.” “A penny weight ot’ love is wortii a pound of law.” “A pensive soulfe6ty is the best policy. ’ (Xorth ) "Hunger ami c(dd deliver a man to bis enemy.” "Hunger and thirst scarcely i ill any, but gluttony and drink kill a great many.” " Hunger fetches the wolf out of the woods.” " Hs pocri-y can find out a cloak for every rain.” (Podsley.) " He IS poor whose expenses exceed his income.” [break it.” " Habit is a cable, we weave a tliread of it ever / day, and it becomes so strong that we cannot " If you pay what you owe, what you’re worth you’ll know. ’ "I sell nothing on trust till to-morrow.” "I taught you to swim, audnow vou’d drown me.” "Idle men are the devil's play fello'^s.” "If a wise man shoidd never miscarry, the fool would burst.” "If a word be worih a shekel, silence Is worth two.” " If all fools wore white c ap-*, we sh mid see a flock of geese.” {Ilcrhert.) " If better were vnthiii, better would come out.” "If e ery m.in mend one all sh til be mendeu.” *' If I ha«l nor. lifted up the stone, you would not have found the jewel.” " If my aunt had been a man, shea have been my uncle.” "If the brain sows no corn, it plants thistlr'S.” . " If the devil catches a man idle, ht-’U set him at work.” "If the niggard should once taste the sweetness of giving, he’d give all away." “ If thou hast not a capon, feed on an onion.” " If thou wonldst keep money, save money; if thou wouldst reap money, sow money.” "If wishes were butter cakes, beggar might bite; if wishes were horses beggars would ride.” "If you are too fortunate, you wid not know yourselt, and If you are too unfortunate, nobody will know you.” " If you cannot bite never show your teeth.” " If you had fewer friends and more enemies, you would have been a better man.” " If > oa had as liitle money as manners, you’d he the poorest of all your kin.'' "If yon hare a mau, eat his bread, and if you love h m, do the same.” "If you have no enemy, it is a sign that fortune has forgotten you.” "If you leap into a well. Providence is not bound to fetch you out.” "If you make not much of three pences, you il never he worth a groat.” " I f yon oh ize those who can never pay you, you make Providence your debtor.” " If you piay with a fo 1 at home, he'll play with you in the market.'’ • If you put nothing into your purse, > ou cm take nothmg out.” "If you run alter two rabbits, you will catch neither.” " If you touch pot, you must touch penny.” " If you trust before you try, you may repent before you die.” "If you wish a thing done, go; if not. send.” "If you wish good advice, consult an old man.” " If you would enjoy the fruit, pluck not th t flower.” " If you would know t e value of a ducat, trj’ to borrow one.” "If youth knew what age would crave, it would both get and save.” "Ignorance is a voluntary misfortune.” "Ign >rance is the mother of impudence." "Ill doers are ill thinkers; ill egging make ill begging.” "Ill luck is worse than found money'.” " Impatience never gets preferment.” " In a calm sea every one is a pilot ” " In a thousand pounds of law there’s not an ounce of I 've.” "In courte'y rather pay a penny too much than too little.” “ In for a penny’, in for a pound.” {Ray—Spaninh prooerb.) " In good year corn is hay, in ill year s raw is corn.” "In spending lies the advantage; in the end things will mend.” "In the greatest ill the good man hath hope left.’’ " In time of mirth take heed.” “ In time of prosperity, friends will be plenty; " In time of adversity, no one amongst twenty.” {Howel.) "Industry is foituue s right hand, aud frugality her left. ’ "Into a mouth shot, fl es fly not.” {Harvey.) "Il is an equal failing to trust everj’body and to trust nobody." “It is at conrts as it is in pounds, some fish, some frotrs.” “ It is Irom want of thinking that most men are undone.” “ It is good to fear the worst, the best can save itse f." “ It is impossible to sin against charity when we do nought against truth.” “ It is not a sin to sell dear, but to make small measure.” “ It is money that makes the mare to go.” “ It is not w'ant, but abundance, that makes avarice.” “ It is too late to call again yesterday.” (Heywood.) “ It is too lai 6 to spare when the bottom is bare.” “It requires greater virturea to support good than bad fortune.” “In > outh the tastes are changed from heat to blood; in old age they are preserved fr mi habit.” “ It is not sufficient to have good qualities, we must be al)le to make ])roper use of them.” “ In order to be applauded for what we do, we must not too much applaud ourselves.” “It is often i e ter not to see an in.sult than to avenge it.” {Aeneca ) “ It is by accumulat'iig ai d saving that the world advances. If we .spend all as we go. we seldom achieve much. The savage alternately feasts and starves, for he seldom saves for a rainy day.” “ If a man has brains, the thing he needs above all is balance.” {E. C. He^ioett.) “ It is ea>ier for a camel to g > through the eve of a need.e than for a rich ma.u to enter the king¬ dom of Heaven. ” (Text of the Scripture.) “ Keep the company of good men, and j"ou shall be of their number.” (Herbert.) “ Kindnesses, like grain, increase by sowing.” Kn .ves and fools divide the world.” “ Knowledge is a second light, and hath bright eyes.” “ Knowledge is no burden; knowledge is power.” “ Iiaughtef is the hiccough of a fool.” “Laws catch flies, b..t let i he hornets go free.” “Lay thy hand upon thy halfpenny twice before thou partcst with it." “ Laziness travels so slowly tijat pover y soon ovei takes it.” “ Learning makes a good mau better and an ill man worse.” “Learning makes iit company for himself.” “ Let your purse be your master.” (Bays.) “ Life without a friend is death without a witness.” (Herbert.) “ Light gains make a he ny purse.” “ Little and often fills the purse.” “ little Strokes fell great oaks.” “ Love and business ti-ach eloquence.” (Herbert.) “ Life is the best school and conscience the b-st guide.” “ ITIaids want nothing but husband.s, and when they have them, they want eA^erj lhing.” “ Make not the irieud too cheap to thee, nor thyself to thy frie . d.” “ Malice very seldom wants a mark to shoot at.” “ Manner and money make a gentleman.” “Many a dogi.s hanged for his skin, and many a man is killed for his purse.” (Clarke.) “ Many come to bring their clothes to church r^iher than themselves.” “ Many e.states are npent in the getting.” “ Many have been ruined by buying good penny worths ” “ Many littles make a mi kle.” (Camden.) “May the man be damned and never grow fat, who wears two faces under one hat.” “ Memory is the treasurt-r of the mind.” “ Mischief comes by pounds and goes away by ounces.” “ Misfortune comes on wings and departs on foot.” “ Money in purse will be always in fashion.” “Money is a good servant but a bad master.” “ M mey is often lost for want of money.” “Money is the sinew of love as well as of war.” “ Money we want and cannot i orrow, j-et drink we must to slacken sorrow.” “ Mother’s darlings make but milk-sop heroes.” “Much coin much care.” “ Miser’s money goes twice to market.” “Money soothes more than a gentleman’s words.” “ Nature teaches us to love our friend.s, but religion our enemies.” “ Necessity and oppor unity may make a coward valiant.” “Necessity is the mother of invention.” “Neither great poverty nor great riches will hear reason.” “Never fish in tioubled waters—Never qu t cortaicty for hope.” “Never too late to learn--New brooms sweep clean.” “ Night is the mother of thought.” “Nimble nine pences better than a slow shilling.” “ No autumn fruit without spring blossoms.” “No cross no crown.” “ No estate can make him rich that has a poor heart.” “No gain on earth without its loss; “No back of ours without its cross. “ No pleasure here without it pain, “ Thus earth and earthly things are vain.” (Clarke.) “No garden without its weeds.” “ No man is the worse for k nowing the worst of himself.” “ No man lives so pnor as ho w'as born.” “ No pains no gains—Business is the salt of life.” “No penny no pater noster. (Heywood ) “Not to oversee workmen is to lo ivo them yonr house open.” “ Napoleon I. often said: ‘ The word impossible is not iu my dictlonarj';’ and it took TTatorloo to stamp it theie.” “ Next to the originator of a good sentence is the quoter of it.” (Emerson ) “ Neither do men light a candle and put it under a bushel, but on a candlestick and it givetb light to all that are in the house.” — i6 — *Of money, wit and virtue, believe one-fourth of ^vhat you hear.” “ Of nothing come nothing, of saving cometh having.” “ Once warned half armed.” “ One favor qualifies for another.” “One good head is better than a hundred strong hands.” “ One to-day is worth two to-morrow’s.” “ One hand washes the other and both the face.” “ One ounce of discretion is worth a pound of wit.” “ Pain is forgotten where gain comes. Pain past is pleasure. ” “ Painted pictures are dead speakers.” “Pardon all men but never thyself.” “ Patience is a flower tha*; grows not in every garden.” “ Patience with poverty is a poor man’s remedy.” “ Pay what you owe and what you are worth you’ll know." “ Pen and ink is wit’s plough.” “ Penny and penny laid up will be many.’ “ Penny in pocket is a good companion.” “ Penny wise and pound foolish.” “ Plenty brings pride, pride plea, plea pain, pain peace, peace plentv.” {Gascoyne.) “ Plough deep whilst sluggards sleep and you shall have corn to sell and keep. ’ “ Poets are bom but orators are made.” “Poverty breeds strife.” “Precepts may lead, but examples draw.” “Procrastination is the thief of time—Promise is debt.” “ Prosperity gets followers but adversity disiinguishes them.” “ Provide for the worst the best will save itself.” “Public reproof hardens shame.” “ Punctuality is the soul of business.” “ Quick believers need broad shoulders.” “ Quarrels would not last long if the fault was only on one side.” “ Itather go to bed supperless than rise in debt.” “Eeady money is ready medicine.” “ Eeason governs the wise man and cudgels the fool.” “ Reason teaches young men to live well and prepares old men to die welL” “ Religion is the best armor but the worst cloak.^’ “Reputation serves to virtue as light does to a picture.” “Rest and success are fellows.” “Riches serves a wise man but commands a fooL” “Right wrongs no man.” “ Rudeness always recoils upon those who exhibit it.” “ Save a man from his friends and leave him to sruggle with his enemies.” “ Saving is getting.” “ Scrape and save, and thou shalt have—Lend and trast, and thou shalt starve.” “ See a pin pick it up, all day you’ll have good luck.” “ Self do,'self have.” “ Show me a liar, and I will show you a thief.” {Herbert and Clarke.) “ Short acquaintance brings repentance.” “Silence is wisdom and gets fiiends.” “Sins and debts are always more than we think them to be.” “ Six feet of earth makes all men equal.” “ Slander flings stones at itself.” “ Sluggards are never great scholars.” “ Some make a conscience of spitting at the church, 3 'et rob t’ae altar.” “ Sometimes words hurt more than swords.” “Soon gotten, soon spent; ill gotten, ill spent.” “ Soon hot, soon cold; soon learn, soon forgotten; soon ripe, soon rotten.” “ Sorrow and evil life soon maketh an old wife.” “Sparing is the first gaining.” “ Spare the rod aud spoil the child.” “Speak not of a dead man at the table.” (Herbert.) “Speak well of your friends; of your enemies, say nothing.” “ Speak what you will, bad men wiU turn it ill.” “ Speech is the picture of the mind.” “ Spend where you may save; save not where you must spend.” “ Straight trees have crooked roots.” “ Suspicion has double eyes.” “Schools are the direct means to one of the great ends of civilized society.” “ Stones and stickes are thrown only at fruit bearing trees.” “ Set a beggar on horse-back and he’ll ride to destruction.” “ Take care of the pences the pounds will take care of themselves.” [home.” “ Tens of thousands have withstood the generous im puls'*, remembering that: Charity begins at “The best physicians are Dr. Diet, Dr Quiet and Dr. Merry man.” “ The host throw of the dice is to throw them away.” “ The charitable give out at the door and God puts in at t’:e window.” “ The farthing is good that maketh the penn.y.” “ The folly of one man is the fortune of another.” “ The greatest mischief you can do the envious, is to do well.” “ The greatest things are done by the help of small ones.” “The greatest wealth is contentment with a little.” “ The heathen’s fortune is the Christian’s Providence.” “ The higher the ape goes, the more he shows his tail.” “ The lazj’- man’s the beggar’s brother.” “ The less wit a man has, the less he knows that he wants it.” “The lucky pennyworth sells soonest.” “ The memoi^ of happiness makes misery woeful.” “ The money you refuse will never do you good.” — 17 — “ The most dangerous of wild beasts is a slanderer: of tame ones a flatterer.” The persuasions of the fortunate sways the doubtful.” The poor man’s labor is the rich man’s wealth.” {Denham.) The poor man’s shilling is but a penny.” “ The prodigal robs his heirs, the miser himself.” ‘‘ The purse-strings are the most common ties of friendship.” ‘‘The rich follow wealth and the poor the rich.” ” The rich widow cries with one eye and laughs with the other.’ ‘ ‘ 1 he smi h’s mare and the cobbler’s wife are always the worst shod.” ‘‘ The smith and his penny are both black.” {Herbert.) ‘‘The tougue is the rudder of our ship.” ‘‘The wife that expects to have a good name is always at home as if she were lame; and the maid that is honest her chiefest delight is still to be doing from morning till night. ” ‘‘ The wise man draws more advantage from his enemies than a fool from bis friends.” ‘‘ The worth of a thing is best known by the want of it ” ‘* They ate wise in other men’s matters and foul in tneir own. - This is often true of solicitors.” ‘‘There is a devU in every berry of the grape.” “ There is a God’s poor and a devil’s poor.—The first from Providence and the other from vice." ‘‘ There is more pleasure in loving than in being beloved.” ‘‘ There is no companion like the penny.” “ 'I'here is a salve for every sore.’*^ ‘‘ There is no joy without alloy.” ” There is no virtue that poverty destroyeth not.” ‘‘ There is no art that can make a fool wise.” ‘‘ There is no accord where every man would be a lord.” “ There is no such flatterer than the man’s self.” ‘‘ There is no such comfort in having children, as there is sorrow in parting with them.” ‘‘ Th' re is little to be feared from those who- put your sword in his hand.” “ Though one grain fiUs not the sack, it helps.” “ Though the sore be healed yet a scar remain.” “ Trash and trumpery is the way to beggary. ’ “ Thrift is go d revenue—Thrift is the philosopher’s stone.” “ Throw HO gift at the giver’s head; half a loaf is better than no bread.” “ Thy secret is tby prisoner; if though let it go thou art a prisoner to it.” “Thy thrift is thy friend’s mirth.—Help yourself aud your friends wi.l bless you.” “ Time aud tide wait for no man.” “Time is a file that wears aud makes no noise.” “ ’'i'ls a wicked world aud we make part of it.” “’Tis bad to do evil but worse to boast of it.” {Heywood.) “ ’Tis a good hor.se that never stumbles aud a good wife that never grumbles.” “ To a good spender God is a treasurer.” “ To borrow on usury brings sudden beggary.” “To give and to have doth a wise brain crave.” “ To him that will, ways are not wanting.” {Herbert.) * “To him that you tell your secret you resign your linerty.” “ 'To g lin, teacheth how to spend.’’ “ 'Too late repents the rat when caught by a cat.” “Too much familiaiity bresds contempt.” {Clarke.) “ Train up a ch Id in the way he should go.” “ Trust not a new friend nor an old enemy.” “ Trust nor contend, nor lay wagers, or lend, and you wdl have peace to your end.” “Truth hath a good face, but bad .-lothes.” “'Truth and oil are ever above.—Truth is God’s daughter.” ‘* Truth finds foes where it makes none.” “ Truth hath always a fast bottom.” “ 'Truth may be blamed but shall never be shamed.” “ Try before you trust.” “ Try yoar skill in gilt first and then in gold.” “ Two dogs strove for a bone aud a third ran away with it.” “ Two fools m a house are too many by a couple.” “ Two things a man should never be angry at: What he can help and what he cannot help.’’ “ 'Two things doth prolong thy life; a qu et heart and a loving wife.” [in one.” “ Two women in one house, two cats aud one mouse, two dogs and one bone, will never accord “ To be liberal we must be economical.” i8 — “ Thoughtless j-outh makes sorrowful a^e.” Teach one child to save and others will follow the example, till industry and fmgality becomes as common as vice and misery are at present.” “The world abhors closeness and all but admires extravagance; yet a slack hand shows weakness, a tight hand strength.” “ The lessons of thrift and economy are a capital to the children of poor parents and an interest to the children of the rich.” “ The art of being able to make good use of moderate abilities wins esteem and often confers more reputation than real merit.” “ The higher the rise the greater the fall.” “ Trust not your money to one whose eyes are bent on the ground.” “ The man who said his mouth never uttered a lie probably spoke through his nose.” “ The fountain for wealth and fortune is good health, good habits, care, industry and honesty.” “ The citizenship of a State must be cast in a common mould and that mould is the common ' school.” (Horace Mann.) “ The first real st- p toward Heaven is to start now.” “ Under the broom is silver and gold.” “Under the purse is hunger and cold.” “ Use not to day what to-morrow you may want.” “ Use pastime so as not to lose time. ’ . “ Use soft wo ds and hard arguments.” “ Vainglory blossoms but never bears.” “ Valor would fight but discretion would run away.” “ Venture thy opinion but not thyself for thy opinion.” “ Vice makes virtue shine.” “ Virtue is tied to no degree of man.” “ Virtue would not go far if a little vanity walketh not with it.” “ Virtues all agrree but vices fight one another.” “AVake not a sleeping lion.—Walkgroundly—Talk profoundly—Drink roundly—Sleepsoundly.” “"Wa it of care admits despair.” “ War is death’s feast.” “ War makes thieves and peace brings them to the gallows.” “Waste makes want.— Waste not, want not.” “ Water afar oft quencheth no fire.” (Herbert.) “ Water, fire and soldiers quickly make room.” “We are all Adam’s children, but silk maketh the difference.” (Fuller.) “We are born crying, live complaining and die disappointed.” “We are bound to be honest but not to be rich.” “ We are never so happy or unfortunate as we think ourseh'es.” “We are never young enough to sin ; never old enough to repent.” “We are more mindful of injurie.s than benefits.” “We can live without our friends but not without our neighbors.” “ We carry our greatest enemies with us.” “ We do nothing but in presence of two great witnesses, (God and our own cocscience).” “ We hate delay; yet it makes us wise.” “We have all forgotten more than we can remember.” “ We may give aavice, but we cannot give conduct.” “ We never know the worth of water tib the well is dry.” “Wealth got by labor is sweet in the enjoyment.” ‘ ‘ Weal t h is best known b f want. ’ ’ “ Wealth is like rheum, it falleth on the weakest part.” “Wealth is not his who gets it, but his who enjoys it.” “ Well begun is half done. (Clarke.) ,Well ti iveth that God loveth.” “ Well thriveth that well suffereth.” “ What a day may bring, a day may take away.” “What costs little is little esteemed -AVhat God will no frost can kill.” “ Whatgreater crime than Joss of time—What is done by night appears by day.” “What may be done at any time will be done at no time.” “What soberness conceals druokenuess reveals.” “ What is every man s business, is no man's business.” “What makes strife ’twixt man and wife.” “What your glass told you will no^ be told by coun.sel. ’ (Herbert.) “ When a wdse man errs, he errs with a vengeance.” “ When all men say you are an ass, it is time to b ay.” “ When children stand quiet they have done some harm.” “ When every one takes care of himself, care is taken of all.” “ When fortune smiles upon thee, take advantage.” “ When ill luck falls asleep, let nobody wake her.” “ When I lent I was a friend, when I asked I was unkind.” “ When love is in the case the doctor’s an ass.” “ Wh-n old age is evii youth can learn no good.” “ When riches increases, ihe body decreaseth.” “ When thrift and you Jell first at a Ifay, you played the m in and thrift ran away. “ When two friends have a common purse one sings and the other weeps.” “When the cat is away, the mice may play.” (Clarke.) “ When the iron is hot, strike.” (Heywood.) “When thrift's in town, then some are in the field.” “When we do ill the devil temptgth us, when we do nothing we tempt him.” “ When we have go d we are in fear; when we have none we are in danger.” “Where co.in s not common, common must be scant.” “ Where God helps, naught harms.” “Where honor ceaseth there knowledge decreaseth.” “ Whet e ignorance is bliss, ’tis fol y to be wi.se. ’ “"Where it’s the weakest there the thread breaketh.” “Where one is wise two are happy.” “ Where there is a wiU there is a way. ” “ Wliere there is whispering there is lying.” “Where there are bees there is honey.” “ Where there are no receivers there are no thieves.” (Heywood.) “ Where there is much love there is iniich mistake.” “Where there is no love all are faults. ’ “ Where wea.th there friends.” “Where vice is, vengeance follows.” “ Where you see a jester, a fool is not far off.” ‘ ‘ Where your will is ready your feet are light.” {Herbert.) “ Wh rever a man dwell, he shall be suro to have a thorn bush near his door.” {Clarke.) “ While there is life there is hope.” “White silver draws black lines.” “Who always buys and sells feels not what he spends.” *■ Who buys hath need of a hundred eyes, who sells hath tnough of one.” “Who dainties love, shall beggar piove.” “AVho depends upon another man’s table often dines late.” “Who give to all denies all.” {Harvey.) “Who has a good trade through all waters may wade.” “ Who Inis land has war.” “ Who has not a good tongue, ought to have good hands.” “ Who looks not i efore finds himself behind.” “Who nothing have shall nothing save.” “ ho on the sabbath pares his liorn, it were better for him had he never been born.” “ Who robs a scholar ro is twenty men.” {liayn.) “Who speaks of the wolf sets his tail.” ( Wordroephe ) “ Who spends more than lie should shall nor have lo siiend when he would.” “Who t at build his hou-o of sallows And ]»rirks his blind horse over tiio fallows. And suftei cth his wife to go seek hallows Is worth to bo hanged on the gallows.” “ Who spends before he thrives will beg b fore ho thinks.” “Who w« ddeth ere ho be wise shall die ere he thrive. {Heywood.) “Who will not keep a penny shall nt-ver have many.” {Clarke.) “ Who will in time present from pleasure refrain, Shull i I time to come the more nleasin e attain.” “ Who would borrow when he hath not let him borrow when he hath.” “Whom V e 1 ve best to them we c.iu say least.” “ Wn » so m jckoththe jmor, reproached his maker.” “ Who so of wealth taketh not heed he shall find his fault in time of need.” “ Wickedness wiih beauty is the devil’s hook baited.” “Willlul waste brings woeful want.” “Will is th-j cause of woe. ” “Willows are weak. y« t they bind other wood.” {Herbert.) “ Wine hath d'owned more men than the sea.” “Wine is aturn-coat; first a friend then an enemy.” “ Wine neither keei s secrets nor fulfills promises.” “Winter finds ont what summer lays up.” “Wisdom Sometimes walks in clouted shoes.” “ Wisdom in a poor man is a diamond set in lead.” “ Wise men change thoir minds; fools never.’' “ AVise meu have their mouth in their hearts fools their heart in their mouth.” “ Wise meu iu the woild are like timber trees in a ledge; here and lliete one ” “ Wi h rsaiidwoul ers at e no good householders.” {Heywood.) “ AVit bought is better than wit taught.” “ With empty bauds meu may no hawks lure.”- “ AAut is folly uul. S3 a wise man hai the keepin" of it.” “ AVith a fool and knave there is no conclusion.’’ “ AVith time and patience the leaves of a mulherry-tree become satin.” {Walponiana.) “AViih ut pains no gains.” “ AVob es lose theineeth but not their memory.” “ Wou d you know what money is go borrow some.” {Herbert.) “ AVhat maintains a vice would support two children.” “ Wheie School Savings Banks have been in practice under the direction of a wise and skilled tcachir, t ley will remain a permanent element iu the system. ’ “When poor, li >eial; when rich, sriugy.” “ AVbere religion speaks reason has only one right to h«ar.” “We maki our own destinies, Providence furnishes tUe raw material only” “ AVe have to crawl before we walk.” “ AVo so vV seeds of future deeds by every word we speak and every act we perform.—Sow well if you wish a good harvest.” “Work patiently and energetically and he content with a slow but sure progress. Eemember tliat one stroke of the chisel never formed a statue.” “ Wrinkkd purses make wrinkled faces.” “ When I was born I v ept and every day I live tells me why.” “ AVhen drink enters wisdom departs.” “ AVhere force prevails right perishes.” “ Tears know mot e than books.” “ You cannot make a horn of a pig’s tail ” “ A'ou cannot make a silk purse of a sow’s ear.” “ A’ou have always a ready mouth for a ripe cherry.” “You have daily to do with the devil anti pretend to be frightened at a mouse.” “ You have good manner.s but never carry them about you.” “ Yi ulook for hot water under the ice.” “ A’ou may know by a penny how a shilling spends.” “You will never be master of gold enough lo break your back.” “ Young men think old men fools, but old men know that young meu be fools.”