the other boy.
The first boy at the end of the month has received wages the other boy
his savings, save for his clothing. The latter at the end of the year
has ordinarily saved more than the former, though all the time he may
have imagined he was not receiving sufficient wages, merely because the
monthly allowance of the farmer is commonly called "wages," instead of
by the right name, "monthly savings."

That which the farmer does for his boy, in providing him a home and
helping him to save his earnings, this Industrial Academy is now doing
for every boy, that is received into the membership of the Oak Hill
Family and makes his home there during the summer season.

At the Academy he not only finds steady employment, but is removed from
the places that call for worse than useless daily expenditures; and the
monthly allowance, made by the Superintendent, represents not his wages
but his monthly savings, in the deposit bank of the institution.

When a parent or boy makes the discovery, that the boys who remain at
the Academy during the summer months have more funds to their credit in
the Bank of the institution in the fall of the year, than many of those
who receive a higher daily wage elsewhere, and that they also make the
most rapid progress in their studies, they begin to see the difference
between working for savings and working for wages; and how much better
off is the boy, who takes the training and grows up under the
stimulating and elevating influence of a good educational institution.

INVESTMENTS

A personal expense is an expenditure of money for some article that may
indeed be necessary, as a pair of shoes, but it begins to depreciate in
value as soon as the expenditure has been made. A profitable investment
is an expenditure of money, time or talents, that is expected to
increase in value or yield an income. If a lamb is purchased it will
grow into a sheep and its value is doubled. If an acre of good land is
purchased it is sure to increase in value according to its quality and
location.

The ability to avoid personal expenses and to make profitable
investments is one of the things that determines our good or ill success
in life. The education of a thoughtful, earnest boy or girl is
ordinarily a good and profitable investment, for their value or
usefulness may be increased many times more than that of the lamb or the
acre of land. If they are gratefully responsive to their training no
better investment