Are betting and gambling legitimate forms of recreation? The interest in them grows out of a spirit of adventure which is rife in the man, but the real adventurer is willing to pay the price. The gambler gets something for nothing, and at the expense of another. Has a student a right to get his pleasure at another's disadvantage?

What is the minimum a student has a right to spend for others? Does a student have an obligation to support the college community enterprises? In some colleges a budget is made of athletics, college paper, etc., and the amount covering these is collected from a student with his tuition. Is it fair to require a student thus to support college community enterprises?

Does a student have any obligation to give money for philanthropic and religious purposes? He is at college under heavy expenses, possibly at a sacrifice on the part of parents, or he may have to borrow money. He is preparing for a life of usefulness. Has he a right to use any of this money for the church or for missions? It is true a student usually has money for the things he thinks most worth while-for personal recreation, for social events, for college activities. Frequently the student who cannot afford money for the work of the church either at home or abroad is not denying himself on personal pleasures. If the student fails to give during college days in proportion as he is prospered, can he be counted on to support community enterprises after graduation? Ought a student to give systematically?

Now concerning the collection for the saints, as I gave order to the churches of Galatia, so also do ye. Upon the first day of the week let each one of you lay by him in store, as he may prosper, that no collections be made when I come.-I Cor. 16: 1, 2.

How can a student be sure that his money shall go for the best things? How is thoughtful spending possible?

The danger is that, like time, money will be frittered away on trivial, if not wrong, things, and the more important

matters of necessity slighted. A student should know how to handle money in a business-like way. Is a budget of expenses possible? Can a student keep a cash account? A budget is a careful plan of the needs of the year and of the funds available to meet those needs. An expense account is the careful record of actual expense from week to week. If it is compared with the budget, it enables the student to spend his money intelligently, to know whether he is over-spending and whether under-spending, to give up the less important thing in order that he may do the more important. Every business firm requires an itemized expense account of its traveling men. Many fathers require it of their sons in college. Is an expense account necessary to business-like handling of money? In making estimates does accounting for money tempt unduly to deception? Has a student a right to handle his money in a less business-like manner than he would be required to keep it if he were working for a business firm?

A Christian's use of his money

How does a Christian use his money?

He does not guard it penuriously; he does not waste it lavishly. He does not even spend it. He insists that his money is a trust, and he handles it thoughtfully and intelligently so that it shall be an investment for which there shall be a return in personal happiness and growth, in the welfare of others, and in the bringing in of the Kingdom in the college and throughout the world.

SUGGESTIONS FOR THOUGHT AND DISCUSSION

What is the relation of college expenses to college efficiency?

How little can a student afford to spend in college? What is the relation between a student's living conditions and classroom efficiency?

Does a college "grind" get his money's worth from the college?

Is penuriousness a temptation only of the poor, and extravagance of the rich? What are the fundamental perils in penuriousness and extravagance?

Has the student who is working his way through college an equal chance with the one having an allowance?

Should a man whose income for college expenses is $600 be held responsible for three times as great a return as the one whose resources are $200?

How far can a student's biography be written from his cash account?

How does a student who "pads" his expense account or who gets extra money for trumped-up needs differ from the cashier who "doctors" his books, or the business man who secures money through fake sales?

To what extent are his expenditures an index of his interests?

What were Jesus' principles in regard to the use of money?

Why was Jesus so solicitous about the use of money? When did He consider it dangerous?

What did Jesus mean by saying that "all these things" would be added if a person sought the Kingdom? What does His injunction in regard to laying up treasures in Heaven imply?

What is the difference between investing and spending money? Does a spendthrift sow and reap bountifully?

In the light of Jesus' principles, what should be a student's expenditures?

What should determine the amount to spend for board and room? To what extent is money spent on college extras an investment? How much has a student a right to spend on the social life of the college?

Are betting and gambling legitimate forms of money investment? Why or why not?

How far is a student under obligation to support the college community enterprises?

Is it fair to handle these through a budget system and collect the amount with the tuition? If so, should the Student Christian Association be included in such a budget? Why or why not?

How far is a student obligated to help enterprises in the college town?

What are the advantages and disadvantages of systematic giving?

How can a student insure the thoughtful spending of his money?

Is an expense account necessary?

Is a budget and expense account system feasible? Is it wise? Why or why not?

How does a Christian spend his money?

CHAPTER IV

REAL EFFICIENCY

DAILY READINGS

The demand of the day is for efficiency.

The employer is insisting that his employees be at their best—that they shall have such a grip on themselves as to be really their own masters.

The college is not willing to be represented by a team that is hindered in any way from playing its best game. The members of the football, basket ball, and track teams submit themselves to training rules. There is the training table with its special diet; all forms of self-indulgence and excess are forbidden; the members of the team must keep regular hours and live a normal life in every way.

1. Are training rules necessary? They have nothing to do with the actual playing of the game. They are not even intended for the field. They control a player's life between the games. Yet the college severely condems the player who "breaks training," and the coach may not allow him to play. Why?

Employers are inquiring more and more into the habits of their men, how they spend their leisure time. At times they will discharge men who engage in certain habits when off duty. Railroads, and other corporations responsible for the safety of human life, are insisting on certain "training rules." Why?

Paul recognized the need of self-mastery in games and in life:

And every man that striveth in the games exerciseth self-control in all things. Now they do it