FAILURE, self-sought Farnham Penny Bank Fast living, tendency to Felkin, on workmen's savings Ferguson Charity, the Ferguson, the astronomer Flaxman, the sculptor Flowers, use of Foote, and debt Forster, W.E., on Lister Fox, Head, and Co., and cooperation Fox, C.J., and debt Franklin, B., on thrift of time on self-imposed taxes his industry Friendly societies defects of working of objections to improvement of Funerals, extravagance of GENEROSITY, and economy Girard Charity, the Ghent, School Bank at Gibbon, on Fox Goethe, on individualism Goldsmith, O., and debt Good manners, art of among working classes Good taste, economy of and comfort Grey, Margaretta, on occupation of ladies Greenock Penny Bank Greg, W.B., on savings of working classes Gregory, O., on self-taught working men Griffiths, on pursuit of money Grundy, Mrs., fear of Guizot, on English Charities Guy's Hospital HALIFAX PENNY BANK Happiness in old age Health, pleasures of, 315; injuries to. 316-7 Heriot's Hospital, 309 Herschel, his industry. 77 Hill, Rowland, and Savings Banks, 149-50 Hogarth. 80 Home and civilization. 321; and children. 322; ignorance concerning, 323-4; reform, 340-1 Huddersfield Savings Bank, 154 Hull Anti-Mill Society, 102 Hume, H., and thrift, 68 Hume, J., on tone of living, 17 Hunter, J., and debt, 269 Hutton, Dr., 73 IDLENESS, wretchedness of, 6 Ignorance is power, 57-9 Improvidence, _see_ Thriftlessness Inchbald, Mrs., on thrift, 65 Incomes of the working classes, 41-9 Independence of a good mechanic, 50 Individualism, 72-3 Industry, _see_ Labour JOHNSON, S., on economy, 19; on poverty, 20; on Savage, 272; his poverty, 282-3; on debt, 283 Jonson, B., and poverty, 271 KEPLER, and poverty, 268 Knowledge, acquired by labour, 6 LABOUR, leads to wealth, 2; is never lost, 3; a necessity and pleasure, 4; St. Paul on, 6; gives knowledge, 6; and progress, 7; of English workmen, 36; and thrift, 96, 184; makes the man, 160 Laing, S., on good manners in France, 368 Lamartine and debt, 267 Lancaster, J., and Sunday schools Land and Building Societies Leeds, Industrial Society Permanent Building Society Life assurance, advantages of working of at a penny a day Life, uncertainty of Lister, of Bradford Little things, importance of Living, art of Loan Societies Lough, the sculptor, sketch of his life Luck, means good management does not make men Lytton, Lord, on money on public charities