usefully spend it in one’s lifetime, reaping the tribute of the world’s appreciation is well enough; but to frugally save for a long lifetime in order to do good or give pleasure to others after one’s eyes are closed in death is surely nobler still. All the useful productions of man in the United States, the dwellings, stores, shops, ships, roads, railroads, telegraphs and telephones; the schools, colleges, hospitals and church edifices; all the accumulated fuel and stores of manufactured and other goods, are the fruits of individual saving. The greatness and power of the United States depend upon the collected savings of generations gone by, and evidence their industry, prudence and self-denial. The class of Americans who have wasted their surplus or who have produced no more than they earned; those devil-may-care fellows so admired by sentimentalists, have been of no permanent material value to the country; they are of the parasite class; they have no part in the creation of its civilization which is represented by its acquisitions and depends upon them for its continuance. Many of these people give themselves airs of virtue and generosity because they are not “mean” as they say; they even brag that they spend as they go, and for that attitude toward life expect and sometimes receive applause from others as great fools as themselves. Their ignorance prevents their perceiving their own selfishness; and their vanity hides from them a suspicion of their worthlessness. The late Andrew Carnegie is credited with many sayings wise and foolish; of the latter one of the oftenest quoted is that it is a disgrace to die rich. No proverb more mistaken and mischievous was ever uttered. For since no man, however much he made but might have squandered it all, therefore to die rich implies some prudence and self denial, and usually means that the departed left the world better off than he found it. The only anti-social rich are the land grabbers. All who have become capitalists by trade, production or invention, or by efforts in aid thereof, are public benefactors. Here let us stop to pay a well-earned tribute to the past and present rank and file of the hard-working money savers of our country, above all to those of the past; to such of the departed ones and of the old superannuated fathers and mothers still feebly lingering among us, as have lovingly toiled and scraped and saved to leave something to their children and their descendants. They are and have been among the best the world produces, those honest, prudent, thrifty, self-denying Americans, those brave old progenitors of ours, whose honest toil and stinting and close bargaining for generations past built up the wealth which makes so many of us comfortable and which enabled America to give Germany her solar plexus blow. May their memories be dear to their descendants and be honored by all of us forever.