or; not m than hese are co these he seve e should It is bad manners to be lazy, idle, useless, and with cause; not to be engaged in some pursuit, producti selves and society; and to run in debt. These derelictions are no more excusable than wrong, because they are done by others, and are fas To live expensively or carelessly, because others to say that it is uncomfortable to live with dry and economy, when the means are at hand for free and dulgences when we are in debt, is also bad mann And it is also bad manners for tradesmen and m increase their style of living according to the me their reach, without the least regard to a rigid calcul day to day of the proportion which their disburseme their profits. They involve themselves in a course of extravag which requires constant and dead expenses, without what this may lead to; and without any certain sou pendence to fall back upon, if it is not met by their Large houses, with costly furniture, servants, ments, conveyances, traveling and fashionable dress and plate are bought, and a style of expensive livi manently started on credit, or paid for with business laid by, without the slightest regard to whether this i can rest upon the basis of sure profits and certain co The result is speedy ruin, murmurs about uncolle and the false and imprudent assertion that a failure i is evidence of enterprise, without which no trade ca Then come the shameful subterfuges of bankrup insolvent protections, perjured concealments, fraudule tions, and unlawful protections of property. There is not one broken mechanic or tradesman in sand whose failure cannot be directly traced back t fligate expenses of living, and his reckless and censu on credit. The passion is to push business; to make large sale without proper caution, to distant and unknown and persons; to swell and inflate business; to count up 7 Meantime, habits of living and affectat indulged in, which exactly correspond to appetites of the dissolute and successful ga Without the slightest pretensions to edu with the coarsest propensities, ignorance a vulgar connections and associates, they vainly attempt to copy the style and imita spectable persons. The gross inclinations with which the creased and aggravated. The little of ind character they ever had is blunted and b indulgence. No man of stern integrity and pure ho in mere speculations, depending upon un contingencies, without capital. No prud will do so, even with sufficient capital to b The ordinary pursuits immediately conn with the wants and necessary occasions speculations. The produce of grain and stock of mecha commercial interchanges and trade, and al to, are subjects of certain and honorable I If they are judiciously commenced, an fully prosecuted, they never fail of success being uncertain, the public suffer great inco for want of honest mechanics and traders. It is a constant source of trouble and ve munity to encounter their falsehoods, de tricks. There is not a respectable person in will not bear testimony to the fact, that ev ous, and competent mechanic and tradesma fully to his business, is an object of intere age by the public. Such persons, with economy and pruden health, and meet with no unavoidable acci e are S and ent , and and of re e in ey of raved ngage erilous man ures. ntified e not Curing there caren their injury e com 8, and y that dustri s faithDatron e their fire or CELC MADI UL CULL ланиID Ц MusiuODD. It is the secret cause of the poverty of the journey arrogance, petty falsehoods, and breaking down of the e the dashing profligacy and disgraceful bankruptcy of th man, the manufacturer, and the merchant. No man has any right to begin any business upo beyond his capital and custom. He may commence one cent of money, with a capital in character and cred he is criminal to misuse or put in jeopardy. He has no right to buy or contract for goods whic not a reasonable certainty that he can turn into cash, for within his stipulated credit; and whenever he upon an adventure to hold on to for an unexpected r market, or to push off on credit to uncertain, doubtful tant purchasers, whose means and integrity he does cannot know to be good, he lends his integrity to his and puts upon his creditors the peril of his secret ente If he succeeds, it is the luck of the gambler. Hi debased by familiarity with secret fraud, and he will r villainy. All these malversations are bad manners, and it is ners to demand an excuse for, or furnish any legal ex from, the payment of all lawful debts. The proposition is impudent and unjust, that any has obtained your labor, goods, or money is not to wards held to have them, or their equivalent in value And that he shall not be personally required to ample and sufficient reason for their non-production. He has obtained them from you with honest or f intentions. If the object was dishonest, he is a thie whom you cannot defend yourself. No one can fa secret motives of the artful and smooth-faced swindler If he obtained them upon the representation of h property acquired by inheritance or personal acquisi he has just that much more in addition to your prop latter is yours until it is paid for, and the other is pl your indemnity. the faith of his integrity a If you trusted him upon he has got your coods: and where oro they? Τα worked for, or you have earned and saved, for your goods: it was yours; you honest It is the means by which you live. Y out it; and he has got it. your means to sustain it. turn your goods, nor explain the reason w He takes your And is he not He sets you at defiance-calls you inhu secuting, and claims sympathy, excuse, ex tion from that law which he has violated. No man has ever pretended but that su amenable to his creditors, and that this is You obtain your judgment when all have been made; take out your process; of the proper officer, who is commanded i linquent, and obtain your debt. The demand is met by a flat refusal to required to produce property-your pro tute, out of which satisfaction of the debt He has had your property; the presum has it; but this he denies. What is to be done? Is he to go Scot t tended. He is to explain-to give an a become of the property; and, inasmuch of unfairness rest upon him until he does go and explain. He has made the crisis himself, and he has got your goods; defaulted in payme fered judgment; and now the time has give up his property, or show why he can things. He must therefore now go into custody just suspicion of fraud that rests on him. This has ever been the law; but such i dalous disregard of right and justice in ticians, who never pay their debts, that re pudiated it; and this just redress agains gates has been reproached as a relic of the more than any other act inherently wrong in itself; than a papal indulgence would justify murder, or a s validating the validity of a contract. They have not only excused and indemnified a del all answerability to his creditor of what he has done property, but they have openly legalized plunder, u pretext of compassion and philanthropy to the poor. They have not ordered that, if a mechanic is poor no tools to work with, and no furniture, &c., to ke with, and says that he wants them, the public shall be get him $20 worth of tools, and some $100 worth of which shall be loaned to him on a free and perpetual empt from liability for all rent and debts; but they further, and decreed that any man who can by trick, fraud, get this amount of goods on credit, shall ho exorably against all the world, and especially against tical subject of his fraud. Crime is stimulated by indulgence. So soon as th for private plunder was understood, and its fruits obta enjoyed, the luxury was repeated every few days. There was no limit or restraint to it; and it has been in with impunity by thousands, as often as the possess same amount of goods could be obtained by art and d This practice of the migrating and wandering passed into a common joke. A poor man obtains $150 worth of tools, furniture, cows, sheep, &c.; ass mask of honest simplicity by rolling up his sleeves, work, and invoking the confidence of other verdants the purchase, sells the goods, spends the money, and the cheat, as often as he can find a victim to prey upo But this bad manners was not sufficiently refined. Another act has passed into a law, carrying this a dating exemption to the sum of $300. So that this sphere of plunder is enlarged to an e beyond their original expectations. The genteel and able may now participate in felicitous bounty. Every man may hold, in defiance of his creditor, ready money, in household furniture, loan upon mor |