Beware
Of entrance to a quarrel, but, being in,
Bear 't that the opposed may beware of thee.
Give every man thy ear, but few thy voice;
Take each man's censure, but reserve thy judgment.
Costly thy habit as thy purse can buy.
But not express'd in fancy; rich, not gaudy;
For the apparel oft proclaims the man. * * *
Neither a borrower nor a lender be:
For loan oft loses both itself and friend,
And borrowing dulls the edge of husbandry.
This above all: to thine own self be true,
And it must follow, as the night the day,
Thou canst not then be false to any man.
--"Hamlet," 1 :3.

POOR RICHARD'S SAYINGS.
(Benjamin Franklin.)

Drive thy business! Let not thy business drive thee!

Diligence is the mother of good luck.

Now I have a sheep and a cow, everybody bids me good morrow.

If you would know the value of money, go and try to borrow some.

Great estates may venture more, but little boats should keep near shore.

What maintains one vice would bring up two children.

God helps them that help themselves.

Poverty often deprives a man of all spirit and virtue, 'Tis hard for an
empty bag to stand upright.

Beware of little expenses; a small leak will sink a great ship.

For age and want, save while you may. No morning sun lasts a whole day.

HOW TO MAKE CHANGE QUICKLY.

Always consider the amount of purchase as if that much money were
already counted out, then add to amount of purchase enough small change
to make an even dollar, counting out the even dollars last until full
amount is made up.

If the purchase amounts to 57 cents, and you are handed $2.00 in
payment, count out 43 cents first to make an even dollar. Then layout
the other dollar.

Should the purchase be $3.69, to be taken out of $20.00, begin with
$3.69 as the basis and make up even $4.00 by laying out 31 cents. This
31 cents with the amount of the purchase you will consider as $4.00, and
count out even dollars to make up the $20.00 which the customer has
handed in.

MERCHANTS' COST AND PRICE MARKS.

All merchants use private cipher marks to note cost or selling price of
goods. The cipher is usually made up from some short word or sentence of
nine or ten letters, as:

C O R N E L I U S, A
1 2 3 4 5 6 7 8 9 0

Five dollars, according to this key, would be eaa. But generally an
extra letter is used to prevent repeating the mark for 0. If the sign
for a second 0 in t