Perhaps you say, "But why pinch and save for something which may never happen?" If you speak as one solitary individual, it is true, you may die before old age; it is the rare family, however, in which some member does not need a provision for a last period of helplessness. Then, there are those things called adversities, and those things called opportunities, which turn to adversities if they cannot be used. Do you know many people, who have not at some time been in a difficulty where they needed money, or who have not had a chance that depended on an outfit or a pledge? Is it reasonable to expect to run to some one else for help at such times? And, by the way, to whom would you run? To the friend who is the open-handed, good companion, or to the careful, farseeing friend? Of the two, which is the more to be depended upon, the more finely honourable, the more worthy to be imitated? There are two very usual ways of keeping savings. Life insurance is one of them. It is more than a way of keeping savings, for in most cases, the amount finally received is more than the amount paid in. It has this advantage, and also the advantage that the savings thus laid by are only available at a time of great need--sickness, accident or death--or sometimes, after a long period of years. It has the corresponding disadvantages that these savings are not available for small needs, and also that they may be lost, if for any reason the subsequent premiums cannot be paid. A savings-bank account is another way of keeping savings. Savings banks will take money in very small sums and will pay a reasonable interest on it. This method of keeping savings has the advantage that the money can be drawn whenever it is needed, but the resulting disadvantage that the account may be small at the moment of sudden need. If it is possible, as it often is, to have both a life insurance and a savings-bank account, a household may feel well protected against calamity, and well provided against sudden wants. If some member of a family has a life insurance, a definite premium will have to be paid at definite times. A savings-bank account is not so insistent. But to succeed in saving and to do it with as little discomfort as possible, it is better to put ten dollars or ten cents into an account on the first day of the month, and forget about it, than to save five cents in carfare on Monday, one cent on a newspaper on Tuesday, ten cents on lunch on Wednesday, and so on.