the summer, at any rate, was just the lazy, dreamy kind of life to suit an indolent nature like his, and Jack saw he need no longer delay his departure because there was no one to take his place. On the contrary, it would solve a difficulty, for it had hitherto been rather a puzzle to know what to do with Charlie since John Shelley only required one under-shepherd, and he did not seem to have any inclination for any other kind of work. Accordingly, all through the White Ram Jack was making up his mind to tear himself away from Fairy, in the hope of eventually winning for himself a position he could ask her to share, and the thought of the coming separation did not tend to make him happier. Every morning he started with the rest of the Lewes company of shearers, with his father at their head, for some farm, where they spent their day in shearing the sheep, pausing about twelve and again about two o’clock to “light up,” that is to sharpen their shears, eat cakes, and drink beer, the meal of the day being supper when they got back after their labours were over. (_To be continued._) EVERY GIRL A BUSINESS WOMAN. A PRACTICAL GUIDE TO THE WORLD OF INDUSTRY AND THRIFT. BY JAMES MASON. PART III. We are going now to speak about money: not, however, about how to get it, but about what to do with it after it is got. About the occupations by which money is made, we shall not at present say anything. Many of them have already been treated of in THE GIRL’S OWN PAPER. When people have money there are three things they can do with it; they can spend it, or place it out at interest, or tie it up in a parcel and hide it away. Perhaps they do not need at the moment to spend it; in that case of the two ways that are left the only wise one is to place it out at interest. And what is _interest_? Interest is the sum paid by anyone who gets the loan of money, for the use of it. Selina, say, gets the loan of £50 for a year—not for nothing—oh, no, she pays £2 for the twelve months. This £2 is the interest. At the end of the year the lender receives back her £50 and £2 added to it, so, you see, it is for a good reason that we recommend lending in preference to unfruitful hoarding. Money—and this is a wise rule—should never be allowed to lie idle. The sum lent is known as the _principal_, and on the principal the interest is calculated at so much _per cent._ (by the hundred); that is to say, at so much for every £100. For instance, 5 per cent. means £5 for the use of every £100; 2½ per cent., £2 10s. for the use of every £100; and 3¾ per cent., £3 15s. for the use of every £100. Selina’s loan, in the preceding paragraph, is at 4 per cent., in other words, £4 for £100; so, of course, for £50 she just pays £2. When you see a rate of interest quoted you may safely conclude that it is for a year—_per annum_ (by the year), is the correct phrase—unless something is said to the contrary.