II. _Idleness_ and _Industry_. (pages 409, 411.) 1. Time wasted in doing nothing (page 409), _sloth_. (In this connection see fable, _Industry and Sloth_, Volume I, page 300. Consult index in _this_ volume). 2. Time wasted in _sleep_ (page 410). 3. Time wasted in _wishing_ and _hoping_ (page 411). 4. Industry lost by putting off till tomorrow (page 412). 5. Steadiness in industry wins (page 412). III. _Folly._ (pages 414-416). 1. Of trusting to others (page 414). 2. Of neglect of small matters (page 414). 3. Of extravagance and the sensibleness of frugality (page 414). 4. Of vice (page 415). 5. Of high living (page 415). 6. Of purchasing unnecessary things (page 415). 7. Of luxury (page 416). IV. _Pride._ (page 417). 1. Of dress (page 417). 2. In table luxuries (page 417). 3. Of appearance (page 417). V. _The Madness of Debt._ (pages 417-420). 1. Brings shame (page 417). 2. Causes lying (page 418). 3. Destroys virtue (page 418). 4. Brings slavery (page 419). 5. Prevents success (page 420). VI. Ask for the _Blessing of Heaven_ (page 420). VII. Accept _Counsel_. Do not wait for _Experience_. Following the arrangement of the analysis above we may group a series of typical maxims, each of which can be made the basis of one of those little fireside talks which bear so prominent a part in the recollection of every man and woman who had the blessing to be brought up in a real home where father and mother joined in a sincere effort to bring up their children to honest, earnest, successful maturity. I. "We are taxed twice as much by our _Idleness_, three times as much by our _Pride_ and four times as much by our _Folly_." II. _Idleness and Industry._ 1. "Sloth, like rust, consumes faster than labor wears; while the used key is always bright." 2. "The sleeping fox catches no poultry." 3. "He that lives on hope will die fasting." 4. "Industry need not wish." 5. "Have you somewhat to do tomorrow? Do it today." 6. "Three removes are as bad as a fire." III. _Folly._ 1. "If you would have a faithful servant and one that you like, serve yourself." 2. "For want of a nail the shoe was lost; for want of a shoe the horse was lost; for want of a horse the rider was lost." 3. "A fat kitchen makes a lean will." 4. "What maintains one vice would bring up two children." 5. "Who dainties love shall beggars prove." 6. "At a great pennyworth pause awhile." 7. "Silks and satins, scarlets and velvets put out the kitchen fire." IV. _Pride._ 1. "Fond pride of dress is, sure, a very curse. Ere fancy you consult, consult your purse." 2. "Pride breakfasted with plenty, dined with poverty and supped with infamy." 3. "What is a butterfly? At best He's but a caterpillar drest."