But Nellie grew to be a sow, had piggies quite a few,
Then father up and sold them, and kept the money, too.

Johnnie took a little calf as pay for hoeing corn,
He loved the calf and the calf loved him as sure as you are born.
The calfie grew to be a cow, as all good calfies do,
Then father up and sold her, and kept the money, too.

Now, Johnnie loved his little pets, but father loved the pelf,
So Johnnie left his father's farm and struck out for himself.
Said Johnnie's pa, one summer day, "I often wonder why
Boys don't like life upon the farm, 'the city' is their cry."

"It always will be strange to me," continued Johnnie's pa,
"It only goes to prove, though, how ungrateful children are."
When Johnnie heard what father said, he gave a bitter laugh,
And thought of his empty childhood and of his pig and calf.

Savings may be deposited in savings banks, which accept small
deposits and pay compound interest, usually at a rate of 3 per
cent or 3 1/2 per cent. Such banks operate in accordance with
state or national laws to protect the depositor against loss. Many
schools conduct school savings banks. The pupils bring their small
amounts to the teacher or to some pupil acting as "teller," the
collected funds then being deposited in some bank in the
community. These school banks promote habits of thrift and afford
experience in business methods, besides bringing into use in the
world's work many small amounts of money that would otherwise be
lying idle or spent unwisely.