The growing consciousness of the value of these complex demands of our modern civilization, when intelligently gratified, acts at the present day as a cogent incentive to make money, not for the mere sake of accumulation, but to spend. Gross accumulation with scant expenditure has always been sanctioned here; but to grow rich and yet be lavish has only within a comparatively recent period among us seemed reconcilable with religious or national principles. Even yet he who many times a millionaire still walks unkempt, or merely plain and honest, has not entirely lost the halo of hero worship. But, though the old man is permitted to do as he prefers, better things are demanded of his sons and daughters. Nor can the argument that some of the greatest men in our history have been nurtured and brought up in cabins and away from refining influences be soundly used against the advisability of making the most of income, even though we now and then ask ourselves whether modern living is producing statesmen of equally firm mould. But we thrill no longer at mention of a log cabin or rail splitting, and the very name of hard cider suggests rather unpleasantly the corner grocery store and the pie-permeated, hair-cloth suited New England parlor. Merely because other nations have long been aware that it was wise and not immoral to try to live comfortably and beautifully our change of faith is no less absorbing to us. We confidently expect to win fresh laurels by our originality, intelligence, and unselfishness in this new old field. Already have we made such strides that our establishments on this side of the water make up in genuine comfort what they lack in ancient manorial picturesqueness and ghost-haunted grace. Each one of us who is in earnest is asking how he is to make the most of what he has or earns, so as to attain that charm of refined living which is civilization’s best flower--living which if merely material and unanimated by intelligence and noble aims is without charm, but which is made vastly more difficult of realization in case we are without means or refuse to spend them adequately. The _Dwelling_. I. Mr. and Mrs. Julius Cæsar, who, as you may remember, divide their income into parts with mathematical precision, were not as well off in this world’s goods at the time of their marriage as they are now. Neither Mr. Cæsar’s father nor Mrs. Cæsar’s grandmother was then dead, and consequently the newly wedded pair, though set up by their respective families with a comfortable income, felt that it was incumbent upon them to practise strict economy. Then it was that Julius conceived what seemed to them both the happy idea of buying a house dirt cheap in a neighborhood which was not yet improved, and improving the neighborhood, instead of paying an exorbitant price for a residence in a street which was already all it should be.