"In my seventeenth year I entered as apprentice to the coach-making business, in which I remained four years, till I became 'of age.' I made for my employer a machine for mortising the hubs of carriages, which proved very profitable to him, and was, perhaps, the first of its kind used in this country. When I was twenty-one years old my employer offered to build me a shop and set me up in business, but as I always had a horror of being burdened with debt, and having no capital of my own, I declined his kind offer. He himself became a bankrupt. I have made it a rule to pay everything as I go. If, in the course of business, anything is due from me to any one, and the money is not called for, I make it my business oh the last Saturday before Christmas to take it to his business place." It was during this period of his life, from seventeen to twenty-one, that he felt most painfully the defects of his education. He had acquired manual skill, but he felt acutely that this quality alone was rather that of a beaver than of a man. He had an inquisitive, energetic understanding, which could not be content without knowledge far beyond that of the most advanced beaver. Hungering for such knowledge, he bought some books: but in those days there were few books of an elementary kind adapted to the needs of a lonely, uninstructed boy. His books puzzled more than they enlightened him; and so, when his work was done, he looked about the little bustling city to see if there was not some kind of evening school in which he could get the kind of help he needed. There was nothing of the kind, either in New York or in any city then. Nor were there free schools of any kind. He found a teacher, however, who, for a small compensation, gave him instruction in the evening in arithmetic and other branches. It was at this time that he formed the resolution which he carried out forty-five years later. He said to himself:-- "If ever I prosper in business so as to acquire more property than I need, I will try to found an institution in the city of New York, wherein apprentice boys and young mechanics shall have a chance to get knowledge in the evening." This purpose was not the dream of a sentimental youth. It was a clear and positive intention, which he kept steadily in view through all vicissitudes until he was able to enter upon its accomplishment.