Robert
Walker--Self-application--Distinguished miners--Geo. Stephenson--James
Watt--Working for independence--Working for higher things--Work and
culture--Richardson and Gregory--Results of application--Distinguished
artists--Canova and Lough--John Lough--Lough's success--Words of Lord
Derby--James Nasmyth--Bridgewater foundry--Advice to young men. Pages
65--88
CHAPTER VI.
METHODS OF ECONOMY.
Keeping regular account--Generosity and forethought--Prudent economy--A
dignity in saving--Self-improvement--Causes of failure--The price of
success--Power of combining--Principle of association--Savings of
capital--Loss by strikes--Money thrown away--Industrial
societies--Co-operative companies--Equitable pioneers--Darwen
co-operatives--Spread of co-operation--Thrift conservative--Uses of
investments in building societies. Pages 89--109
CHAPTER VII.
ECONOMY IN LIFE ASSURANCE.
Co-operation in assurance--Improvidence cruel--Compensation of
assurance--Benefit societies--French and Belgian thrift--Workmen's
societies--Manchester Unity--Duty and Dinners--Low rates of
contribution--Failure of friendly societies--Improvement by
experience--Defects will disappear. Pages 110--122
CHAPTER VIII.
SAVINGS BANKS.
Direct saving--Uses of saved money--Beginnings of savings banks--Dr.
Duncan of Ruthwell--Establishment of savings banks--Classes of
Depositors--Magic of drill--Military savings banks--Savings of
soldiers--Soldiers abroad--Deposits in savings banks--Savings at
Bilston--Savings of working men--Penny banks--Charles W.
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