APPENDIX. XXXliC 



regulations for which may be consulted by those who wish to 

 imitate such good examples; and also the "Pamphleteer," vol. 

 7, for an analysis of those of the various British Saving 

 Batik associations. One rule ought to be observed: to make 

 them as simple as possible. 



The following table, taken from a series of papers on the 

 subject, in a Philadelphia paper, will " show at what rate the 

 weekly savings will increase at a compound interest of 4 per 

 cent, per annum." 



W.N. a day labourer, has a wife and four children, and 

 earns §6 per week. It cosls him S3 50 per week to keep his 

 family; he pays ^50 per year rent, his fire-wood costs him £20, 

 and clothes and other expenses §40: so that his expenses 

 amount to g5 50 per week; and his savings are 50 cents, ex- 

 clusive of what his wife can earn. This half dollar per week 

 is in all probability foolishly squandered, in the greater num- 

 ber of instances; whereas if deposited in a Saving Bank, ii 

 would accumulate in twenty years to nearly 8800, by the table; 

 and at 6 per cent, (which the Bank might afford to allow him) 

 to about S900 — a sum which would afford comfort and shelter 

 to him in the evening of life, and be far sweeter in the enjoy 

 meiit than the most magnificent charity. 



A. R. a drayman, in good business, and having a wife and 

 two children, lives at about the same rate as the former: he can 

 earn from 12 to 15 dollars (say 15) per week — deduct g5 for 

 peeping his horse, dull weeks, &e. and he can lay up gi 5' 



