Again we fall back on Franklin. “Remember,” he wrote, “that money is of a prolific generating nature. Money can beget money, and its offspring can beget more, and so on. Five shillings turned is six; turned again it is seven-and-threepence, and so on, till it becomes a hundred pounds. The more there is of it, the more it produces every turning, so that the profits rise quicker. He that kills a breeding sow, destroys all her offspring to the thousandth generation. He that murders a crown, destroys all that it might have produced, even scores of pounds.” Our last words must be of advice to young persons upon entering the world. Select the kind of business that suits your natural inclinations and temperament. A business man must keep at the hold, and steer his own ship. Do not take too much advice. If you prosper in business, do not make too much show. Work on positive facts. Do not let hope predominate too much. Don’t be visionary. Don’t put too much reliance on friends in business. Never accept a bill for a friend. You stand a chance of losing money and friend. Speak very little in business. Pump others rather than be pumped yourself. Consult wisely, and resolve firmly. Hesitation in business is bad; resolution, after proper consideration, is omnipotent and healthy. Time, money, and judgment are three essential things for a speculation. Go with the tide. Consider everybody sharper than yourself in order to be yourself on your guard. Take the meaning of people, not their words, as a guide in business. Seek an interview rather than communication by letter, and observe the person’s expression by his eyes. Keep your books posted up systematically. Beware of little expenses. A small leak will sink the ship. Make the best of a bad bargain. A policy of life assurance is the cheapest and safest mode of making provision for a man’s family. Finally, as Matthew Henry wrote—“Hope the best, get ready for the worst, and then take what God sends.” A spendthrift, who had nearly wasted all his patrimony, seeing an acquaintance in a coat not of the newest cut, told him he thought it had been his great-grandfather’s coat. “So it was,” said the gentleman; “and I have also my great-grandfather’s land, which is more than you can say.”