Dealers in various lines of ware do not hesitate to sell to the Negroes the most costly articles on the installment plan, taking care to place charges thereon far above their real value. Thus the meagre earnings of the race are so largely absorbed in the manner indicated. It means perpetual poverty to the masses unless corrected. Negroes must be taught to live simply, in keeping with their financial condition. Penny saving banks must everywhere be established, and forces set to work to urge the Negroes to save their money, thus counteracting the influence of the myriad loan offices that tempt them to their financial ruin. THE WINDS HAVE VEERED. The age in which we live is fast shifting from a basis in which brute force is a great factor, to one in which skill and intelligence are the prime essentials. The day of the man who has naught to offer save his native strength is fast drawing to a close, and his night is all but upon us. The general refinement of taste requiring a higher order of intelligence to satisfy it; the inventive genius of man bringing into use complicated machinery--these are influences at work rendering necessary a greater measure of skill and a higher order of intelligence in the modern laborer. If the Negro would not be lost in the shift of the age, he must be trained with a view to the requirements of modern civilization. To this end Technological schools must be established throughout the South and other centers of Negro labor. "THE FIELD IS THE WORLD." The Negroes have evinced a keen desire for education, until now there are more educated young men and women than there is congenial labor for them. The schools have sent them forth far faster than conditions have permitted them to be absorbed. The Negro parent that has to submit to great privations to educate his child, viewing education from the simple standpoint of its ability to afford a livelihood, has now under consideration the advisability of continuing his effort to educate his offspring. The pupil, confronted with so many of his fellows that have gone through school and failed of congenial employment, is inclined to lay down his books and bring his school days to a close. To relieve this very annoying congestion, Negroes must invade all the avenues of trade and found enterprises that will give employment to the trained members of the race. The labor of the race is fully able to sustain all branches of endeavor incident to civilized life. Simultaneous with this development of the home field, Puerto Rico, Cuba, Hawaii, the Philippines and Africa must be utilized to relieve this congestion. The well equipped young men and women must be inoculated with more of the pioneer spirit. WHERE THE GALE BLOWS FIERCEST.