Thank you, guest Chuck!
I have been considering where to cast this pearl since so many here are undeserving.
The great western pioneer and LDS church leader Brigham Young gave this advice as part of a speech to the assembled saints in Salt Lake in 1853.

"Some persons will perhaps say- "I do not know how good and how high a fence it will be necessary to build to keep thieves out." I do not know either, except you build one that will keep out the devil. Build a fence which the boys and the cattle cannot pull down, and I will ensure you will keep your stock. Let every man lay his plans so as to secure enough for his present necessities and hand over the rest to the laboring man; keep making improvements, building, and making farms, and that will not only advance his own wealth, but the wealth of the community.

A man has no right with property, which, according to the laws of the land, legally belongs to him, if he does not want to use it; he ought to possess no more than he can put to usury, and cause to do good to himself and his fellow-man. When will a man accumulate money enough to justify him in salting it down, or, in other words, laying it away in the chest, to lock it up, there to be doing no manner of good either to himself or his neighbor.

It is impossible for a man ever to do it. No man should keep money or property by him that he cannot put to usury for the advancement of that property in value or amount, and for the good of the community in which he lives; if he does, it becomes a dead weight upon him, it will rust, canker, and gnaw his soul, and finally work his destruction, for his heart is set upon it. Every man who has got cattle, money, or wealth of any description, bone and sinew, should put it out to usury. If a man has the arm, body, head, the component parts of a system to constitute him a laboring man, and has nothing in the world to depend upon but his hands, let him put them to usury. Never hide up anything in a napkin, but put it forth to bring an increase. If you have got property of any kind, that you do not know what to do with, lay it out in making a farm, or building a saw mill or a wollen factory, and go to with your mights to put all your property to usury.

If you have more oxen and other cattle than you need, put them in the hands of other men, and receive their labor in return, and put that labor where it will increase your property in value."

From the "Journal of Discourses," published in Liverpool, England, from 1854 to 1856. The Journal contains speeches by fifty-five people, including 390 given by Brigham Young.

The story of this publication, important in Utah and western history, was outlined in an article by Ronald G. Watt in "Utah Historical Quarterly," Spring 2007, vol. 76, no. 2.