98 THE HOME, FARM AND BUSINESS CYCLOPEDIA. 



only said of him that he is extremely well dressed, he will remember that 

 no man in great capitals, without pre-eminent claims of fortune, birth, or 

 beauty, ever really finds a place in haut ton without some cultivation of 

 mind. All the men I have ever known who have lifted themselves into 

 authority in the inner circles of fashion have been men of considerable in- 

 tellectual accomplishment. They have either had wit or humour to a fine 

 degree, or admirably strong sense and judgment, or keen penetration into 

 character ; they have been, from qualities far below the surface, either 

 charming or instructive companions. 



Mere dandies are but cut flowers in a bouquet once faded, they can 

 never reblossom. In the drawing-room, as every where else, Mind in the 

 long-run prevails. And, oh, well-booted Achaian ! for all those substantial 

 good things which money well managed commands, and which, year after 

 year, as you advance in life, you will covet and sigh for, yon sloven, thick- 

 shoed and with cravat awry, whose mind, as he hurries by the bow-win- 

 dow at White's, sows each fleeting moment with thoughts which grow not 

 blossoms for bouquets, but corn sheaves for garners, will, before he is forty, 

 be far more the fashion than you ! He is commanding the time out of 

 which you are fading. And time, oh, my friend ! is money. Time wasted 

 can never conduce to money well managed. 



PROVERBS, NEW AND OLD. 



Never sacrifice safety to large expected returns. 

 Never make a loan on importunity. 



Never loan a borrowing friend more than you are willing to lose if he 

 can't pay. 



Never speculate deeper than you are able to lose if you lose it all. 



Never borrow money to speculate with. 



Owe no man any thing. 



Be satisfied with a moderate rent to a good tenant. 



Keep well insured, and watch your policy. 



Never consult a man on business who does not manage well his own. 



Avoid a second mortgage for a fresh loan. 



He that maketh haste to be rich is not wise. 



Poverty is no bar to marriage if both parties will work and save. 



The gods help those who help themselves men or women. 



God promises nothing to idleness. 



A man must ask his wife if he may be rich. 



Little coins, like little drops of water, will fill a bucket. 



