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"Experience seems to prove that the most effective agent in lessening the natural tendency to improvidence is the pleasure of possession."—Mr. Oulton, of the Liverpool School Board.

"Begin is the device ot Thrift."—Mr. Smiles.

"Exercise involves repetition, which, as regards bodily actions, ends in habits of action; and as regards impressions received by the mind, ends in clearness of perception."—Joseph Payne's Third Principle of Education.

"On every side and at every turn, we have to struggle against a great national deficiency, and the almost total absence of anything at all approaching an accurate conception of what education should be."—Report of London Working Women's College.

"To suffer people to be ill educated, and then to punish them for crimes which have originated in bad habits, has the appearance of a cruelty not less severe than any which is exercised under the most despotic Governments."—Professor Hodgson on The Exaggerated Estimates of Heading and Writing as a means of Education.

"Let us then, I beseech you, in the name of God, let us earnestly and heartily have recourse to education. We must begin at the beginning, we must prevent what is evil by implanting what is good; we must enlighten the understanding as well as control the will."—Quotation of Dr. Hodgson's.

"A man who can proportion his menus and his ambition, or bring the year round with expenditure which expresses his character, without embarrassing one day of his future, is already a master of life and a freeman."—R. W. Emerson on Wealth.