Attitude

Success is in the blood. There are men whom fate can never keep down--they march forward in a jaunty manner, and take by divine right the best of everything that the earth affords.

They do not lie in wait, nor scheme, nor fawn, nor seek to adapt their sails to catch the breeze of popular favor. Still, they are ever alert and alive to any good that may come their way, and when it comes they simply appropriate it, and tarrying not, move steadily on.

Thought is supreme - keep a right mental attitude - an attitude of courage, frankness and good cheer.

Keep your mind on the great and splendid thing you would like to do; and then, as the days go gliding by, you will find yourself unconsciously seizing the opportunities that are required for the fulfillment of your desire, just as the coral insect takes from the running tide the elements that it needs. Picture in your mind the able, earnest, useful person you desire to be, and the thought that you hold is hourly transforming you into that particular individual you so admire.

Enjoy good health! Whenever you go out of doors, draw the chin in, carry your head high, and fill the lungs to the utmost; drink in the sunshine; greet your friends with a smile, and put soul into every hand-clasp.

Do not fear being misunderstood; and never waste a moment thinking about your enemies. Try to fix firmly in your own mind what you would like to do, and then without violence of direction you will move straight to the goal.

Good Will

I heard the bells on Christmas day
Their old familiar carols play.
And wild and sweet the words repeat
Of peace on Earth, good will to men.

I thought how, as the day had come
The belfries of all Christendom
Had rolled along th' unbroken song
Of peace on Earth, good will to men.

And in despair I bowed my head
"There is no peace on Earth," I said,
"For hate is strong and mocks the song
Of peace on Earth, good will to men."

Then pealed the bells more loud and deep:
"God is not dead, nor doth He slee;
The wrong shall fail, the right prevail
With peace on Earth, good will to men."

Till ringing, singing on its way
The world revolved from night to day,
A voice, a chime, a chant sublime
Of peace on Earth, good will to men.

Henry Wadsworth Longfellow

And there were shepherds in the same country abiding in the field, and keeping watch by night over their flock. And an angel of the Lord stood by them and the glory of the Lord shone round about them: and they were sore afraid. And the angel said unto them, Be not afraid; for, behold, I bring you good tidings of great joy which shall be to all the people: for there is born to you this day in the city of David a Saviour, which is Christ the Lord. And this is the sign unto you; ye shall find a babe wrapped in swaddling clothes, and lying in a manger. And suddenly there was with the angel a multitude of the heavenly host praising God and saying:
Glory to God in the highest,
And on earth peace,
Good will toward men.

Save Early and Often

Ambition is the spur that makes man struggle with destiny. It is heaven's own incentive to make purpose great and achievement greater. —Anonymous.

An excerpt from a piece written in the early 1900s:
"What do you do with all these books?" asked the older gentleman. "Oh, that library is my 'one cigar a day,'" was the response. "What do you mean?" "Mean! Just this: when you bothered me so about being a man, and learning to smoke, I'd just been reading about a young fellow who bought books with money that others would have spent in smoke, and I thought I'd try and do the same. You remember, I said I should allow myself one cigar a day." "Yes." "Well, I never smoked. I just put by the price of a five-cent cigar every day, and as the money accumulated I bought books—the books you see there."

How much does a pack of cigarettes cost today? Five dollars ( or maybe even more )?

Imagine for a moment how much you might save if you save just $5.00 every day. At the end of just one year you would have over $1,825! That could be the start of a nice down payment on the home of your dreams. Or the start of your retirement fund. Or your investment portfolio. The possibilities are grand!

Washington examined the minutest expenditures of his family, even when President of the United States. He understood that without economy none can be rich, and with it none need be poor.

Napoleon examined his domestic bills himself, detected overcharges and errors.

Unfortunately Congress can pass no law that will remedy the vice of living beyond one's means.

We are ruined, not by what we really want, but by what we think we do. Therefore never go abroad in search of your wants; if they be real wants, they will come home in search of you; for he that buys what he does not want will soon want what he cannot buy.

There is one time honored method for achieving greater wealth. Saving your money and investing your savings wisely can yield great wealth - over the long term. The earlier in life you start saving money - the greater your potential wealth. Whatever your talents, whatever your prospects, never speculate away on a chance of a palace that which you may need as a provision.

Start saving your money today and watch your riches grow!

"When wisdom entereth into thine heart, and knowledge is pleasant unto thy soul;
Discretion shall preserve thee, understanding shall keep thee" Proverbs 2:10-11

The Quest of Learning

History is filled with stories of ordinary folks - often of modest means - who achieved incredible success.

George Washington - the first President - was the son of a widow, born under the roof of a Westmoreland farmer; almost from infancy his lot had been the lot of an orphan. No academy had welcomed him to its shade, no college crowned him with its honors; to read, to write, to cipher, these had been his degrees in knowledge.

Columbus, while leading the life of a sailor, managed to become the most accomplished geographer and astronomer of his time.

When Peter the Great, a boy of seventeen, became the absolute ruler of Russia, his subjects were little better than savages, and in himself, even, the passions and propensities of barbarism were so strong that they were frequently exhibited during his whole career. But he determined to transform himself and the Russians into civilized people. He instituted reforms with great energy, and at the age of twenty-six started on a visit to the other countries of Europe for the purpose of learning about their arts and institutions. At Saardam, Holland, he was so impressed with the sights of the great East India dockyard, that he apprenticed himself to a shipbuilder, and helped build the St. Peter, which he promptly purchased. Continuing his travels, after he had learned his trade, he worked in England in paper-mills, saw-mills, rope-yards, watchmaker's shops, and other manufactories, doing the work and receiving the treatment of a common laborer.

While traveling, his constant habit was to obtain as much information as he could beforehand with regard to every place he was to visit, and he would demand, "Let me see all." When setting out on his investigations, on such occasions, he carried his tablets in his hand, and whatever he deemed worthy of remembrance was carefully noted down. He would often leave his carriage, if he saw the country people at work by the wayside as he passed along, and not only enter into conversation with them, on agricultural affairs, but accompany them to their houses, examine their furniture, and take drawings of their implements of husbandry.

Thus he obtained much minute and correct knowledge, which he would scarcely have acquired by other means, and which he afterward turned to admirable account in the improvement of his own country.

Continue to cultivate the mind, to sharpen by exercise the genius, to attempt to delight or instruct your race; and, even supposing you fall short of every model you set before you, supposing your name moulder with your dust, still you will have passed life more nobly than the unlaborious herd. Grant that you win not that glorious accident, 'a name below,' how can you tell but that you may have fitted yourself for high destiny and employ, not in the world of men, but of spirits?

The powers of the mind cannot be less immortal than the mere sense of identity; their acquisitions accompany us through the Eternal Progress, and we may obtain a lower or a higher grade hereafter, in proportion as we are more or less fitted by the exercise of our intellect to comprehend and execute the solemn agencies of God.

Work Hard and Persist

"Be sure, my son, and remember that the best men always make themselves."
— PATRICK HENRY.

The greatest fortunes ever accumulated or possessed on earth were and are the fruit of endeavor that had no capital to begin with save energy, intellect, and the will. From Rockefeller to Buffet to Gates the story is the same, not only in the getting of wealth, but also in the acquirement of eminence; those men have won most who relied most upon themselves. They sought good counsel, worked hard and hired smart people.

The founder of Boston University left Cape Cod for Boston to make his way with a capital of only four dollars. Like Horace Greeley, he could find no opening for a boy; but what of that? He made an opening. He found a board, and made it into an oyster stand on the street corner. He borrowed a wheelbarrow, and went three miles to an oyster smack, bought three bushels of oysters, and wheeled them to his stand. Soon his little savings amounted to $130, and then he bought a horse and cart. This poor boy with no chance kept right on till he became the millionaire Isaac Rich.

Self-help has accomplished about all the great things of the world. How many young men falter, faint, and dally with their purpose because they have no capital to start with, and wait and wait for some good luck to give them a lift. But success is the child of drudgery and perseverance. It cannot be coaxed or bribed; pay the price and it is yours.

If the youth of America who are struggling against cruel circumstances, to do something and be somebody in the world, could only understand that ninety per cent. of what is called genius is merely the result of persistent, determined industry, is in most cases downright hard work, that it is the slavery to a single idea which has given to many a mediocre talent the reputation of being a genius, they would be inspired with new hope. It is interesting to note that the men who talk most about genius are the men who like to work the least. The lazier the man, the more he will have to say about great things being done by genius.

The greatest geniuses have been the greatest workers. Sheridan was considered a genius, but it was found that the "brilliants" and "off-hand sayings" with which he used to dazzle the House of Commons were elaborated, polished and repolished, and put down in his memorandum book ready for any emergency.

Genius has been well defined as the infinite capacity for taking pains. Success is most often the result of hard work and persistence.

It has been said that one of the most disgusting sights in this world is that of a young man with healthy blood, broad shoulders, presentable calves, and a hundred and fifty pounds, more or less, of good bone and muscle, standing with his hands in his pockets longing for help.


In battle or business, whatever the game,
In law, or in love, it's ever the same:
In the struggle for power, or scramble for pelf,
Let this be your motto, "Rely on yourself."
SAXE.

THE PURSUIT OF HAPPINESS

Perhaps the most curious and interesting phrase ever put into a public document is "the pursuit of happiness." It is declared to be an inalienable right. It cannot be sold. It cannot be given away. It is doubtful if it could be left by will.

The right of every man to be six feet high, and of every woman to be five feet four, was regarded as self-evident until women asserted their undoubted right to be six feet high also, when some confusion was introduced into the interpretation of this rhetorical fragment of the eighteenth century.

But the inalienable right to the pursuit of happiness has never been questioned since it was proclaimed as a new gospel for the New World. The American people accepted it with enthusiasm, as if it had been the discovery of a gold-prospector, and started out in the pursuit as if the devil were after them.

If the proclamation had been that happiness is a common right of the race, alienable or otherwise, that all men are or may be happy, history and tradition might have interfered to raise a doubt whether even the new form of government could so change the ethical condition. But the right to make a pursuit of happiness, given in a fundamental bill of rights, had quite a different aspect. Men had been engaged in many pursuits, most of them disastrous, some of them highly commendable. A sect in Galilee had set up the pursuit of righteousness as the only or the highest object of man's immortal powers. The rewards of it, however, were not always immediate. Here was a political sanction of a pursuit that everybody acknowledged to be of a good thing.

Given a heart-aching longing in every human being for happiness, here was high warrant for going in pursuit of it. And the curious effect of this 'mot d'ordre' was that the pursuit arrested the attention as the most essential, and the happiness was postponed, almost invariably, to some future season, when leisure or plethora, that is, relaxation or gorged desire, should induce that physical and moral glow which is commonly accepted as happiness. This glow of well-being is sometimes called contentment, but contentment was not in the program. If it came at all, it was only to come after strenuous pursuit, that being the inalienable right.

People, to be sure, have different conceptions of happiness, but whatever they are, it is the custom, almost universal, to postpone the thing itself. This, of course, is specially true in our American system, where we have a chartered right to the thing itself. Other nations who have no such right may take it out in occasional driblets, odd moments that come, no doubt, to men and races who have no privilege of voting, or to such favored places as New York city, whose government is always the same, however they vote.

We are all authorized to pursue happiness, and we do as a general thing make a pursuit of it. Instead of simply being happy in the condition where we are, getting the sweets of life in human intercourse, hour by hour, as the bees take honey from every flower that opens in the summer air, finding happiness in the well-filled and orderly mind, in the sane and enlightened spirit, in the self that has become what the self should be, we say that tomorrow, next year, in ten or twenty or thirty years, when we have arrived at certain coveted possessions or situation, we will be happy. Some philosophers dignify this postponement with the name of hope.

Sometimes wandering in a primeval forest, in all the witchery of the woods, besought by the kindliest solicitations of nature, wild flowers in the trail, the call of the squirrel, the flutter of birds, the great world-music of the wind in the pine-tops, the flecks of sunlight on the brown carpet and on the rough bark of immemorial trees, I find myself unconsciously postponing my enjoyment until I shall reach a hoped-for open place of full sun and boundless prospect.

The analogy cannot be pushed, for it is the common experience that these open spots in life, where leisure and space and contentment await us, are usually grown up with thickets, fuller of obstacles, to say nothing of labors and duties and difficulties, than any part of the weary path we have trod.

Why add the pursuit of happiness to our other inalienable worries? Perhaps there is something wrong in ourselves when we hear the complaint so often that men are pursued by disaster instead of being pursued by happiness.

We all believe in happiness as something desirable and attainable, and I take it that this is the underlying desire when we speak of the pursuit of wealth, the pursuit of learning, the pursuit of power in office or in influence, that is, that we shall come into happiness when the objects last named are attained. No amount of failure seems to lessen this belief.

It is matter of experience that wealth and learning and power are as likely to bring unhappiness as happiness, and yet this constant lesson of experience makes not the least impression upon human conduct. I suppose that the reason of this unheeding of experience is that every person born into the world is the only one exactly of that kind that ever was or ever will be created, so that he thinks he may be exempt from the general rules. At any rate, he goes at the pursuit of happiness in exactly the old way, as if it were an original undertaking.

Perhaps the most melancholy spectacle offered to us in our short sojourn in this pilgrimage, where the roads are so dusty and the caravansaries so ill provided, is the credulity of this pursuit. Mind, I am not objecting to the pursuit of wealth, or of learning, or of power, they are all explainable, if not justifiable,—but to the blindness that does not perceive their futility as a means of attaining the end sought, which is happiness, an end that can only be compassed by the right adjustment of each soul to this and to any coming state of existence. For whether the great scholar who is stuffed with knowledge is happier than the great money-getter who is gorged with riches, or the wily politician who is a Warwick in his realm, depends entirely upon what sort of a man this pursuit has made him.

There is a kind of fallacy current nowadays that a very rich man, no matter by what unscrupulous means he has gathered an undue proportion of the world into his possession, can be happy if he can turn round and make a generous and lavish distribution of it for worthy purposes. If he has preserved a remnant of conscience, this distribution may give him much satisfaction, and justly increase his good opinion of his own deserts; but the fallacy is in leaving out of account the sort of man he has become in this sort of pursuit. Has he escaped that hardening of the nature, that drying up of the sweet springs of sympathy, which usually attend a long-continued selfish undertaking? Has either he or the great politician or the great scholar cultivated the real sources of enjoyment?

The pursuit of happiness! It is not strange that men call it an illusion. But I am well satisfied that it is not the thing itself, but the pursuit, that is an illusion. Instead of thinking of the pursuit, why not fix our thoughts upon the moments, the hours, perhaps the days, of this divine peace, this merriment of body and mind, that can be repeated and perhaps indefinitely extended by the simplest of all means, namely, a disposition to make the best of whatever comes to us? Perhaps the Latin poet was right in saying that no man can count himself happy while in this life, that is, in a continuous state of happiness; but as there is for the soul no time save the conscious moment called "now," it is quite possible to make that "now" a happy state of existence. The point I make is that we should not habitually postpone that season of happiness to the future.

No one, I trust, wishes to cloud the dreams of youth, or to dispel by excess of light what are called the illusions of hope. But why should the boy be nurtured in the current notion that he is to be really happy only when he has finished school, when he has got a business or profession by which money can be made, when he has come to manhood? The girl also dreams that for her happiness lies ahead, in that springtime when she is crossing the line of womanhood,—all the poets make much of this,—when she is married and learns the supreme lesson how to rule by obeying. It is only when the girl and the boy look back upon the years of adolescence that they realize how happy they might have been then if they had only known they were happy, and did not need to go in pursuit of happiness.

The pitiful part of this inalienable right to the pursuit of happiness is, however, that most men interpret it to mean the pursuit of wealth, and strive for that always, postponing being happy until they get a fortune, and if they are lucky in that, find at the end that the happiness has somehow eluded them, that; in short, they have not cultivated that in themselves that alone can bring happiness. More than that, they have lost the power of the enjoyment of the essential pleasures of life. I think that the woman in the Scriptures who out of her poverty put her mite into the contribution-box got more happiness out of that driblet of generosity and self-sacrifice than some men in our day have experienced in founding a university.

And how fares it with the intellectual man? To be a selfish miner of learning, for self-gratification only, is no nobler in reality than to be a miser of money. And even when the scholar is lavish of his knowledge in helping an ignorant world, he may find that if he has made his studies as a pursuit of happiness he has missed his object. Much knowledge increases the possibility of enjoyment, but also the possibility of sorrow. If intellectual pursuits contribute to an enlightened and altogether admirable character, then indeed has the student found the inner springs of happiness. Otherwise one cannot say that the wise man is happier than the ignorant man.

In fine, and in spite of the political injunction, we need to consider that happiness is an inner condition, not to be raced after. And what an advance in our situation it would be if we could get it into our heads here in this land of inalienable rights that the world would turn round just the same if we stood still and waited for the daily coming of our Lord!

Giving

Oh Christmas is coming again, you say,
And you long for the things he is bringing;
But the costliest gift may not gladden the day,
Nor help on the merry bells ringing
Some getting is losing, you understand,
Some hoarding is far from saving;
What you hold in your hand may slip from your hand,
There is something better than having;
We are richer for what we give;
And only by giving we live.

Your last year's presents are scattered and gone;
You have almost forgot who gave them;
But the loving thoughts you bestow live on
As long as you choose to have them.
Love, love is your riches, though ever so poor;
No money can buy that treasure;
Yours always, from robber and rust secure,
Your own, without stint or measure;
It is only love that we can give;
It is only by loving we live.

For who is it smiles through the Christmas morn—
The Light of the wide creation?
A dear little Child in a stable born,
Whose love is the world's salvation.
He was poor on earth, but He gave us all
That can make our life worth the living;
And happy the Christmas day we call
That is spent, for His sake, in giving;
He shows us the way to live,
Like Him. Let us love and give!

—Lucy Larcom

True Economy

An excerpt from an article by the legendary P.T. Barnum:

True economy consists in always making income exceed spending.

Wear the old clothes a little longer if necessary; dispense with the new pair of gloves; mend the old dress: live on plainer food if need be; so that, under all circumstances, unless some unforeseen accident occurs, there will be a margin in favor of the income. A penny here, and a dollar there, placed at interest, goes on accumulating, and in this way the desired result is attained. It requires some training, perhaps, to accomplish this economy, but when once used to it, you will find there is more satisfaction in rational saving than in irrational spending.

Here is a recipe which I recommend: I have found it to work an excellent cure for extravagance, and especially for mistaken economy: When you find that you have no surplus at the end of the year, and yet have a good income, I advise you to take a few sheets of paper and write down every dollar you spend. Post it every day or week in two columns, one headed "necessaries" or even "comforts", and the other headed "luxuries," and you will find that the latter column will be double, treble, and frequently ten times greater than the former. The real comforts of life cost but a small portion of what most of us can earn. The great Benjamin Franklin says "it is the eyes of others and not our own eyes which ruin us. If all the world were blind except myself I should not care for fine clothes or furniture." It is the fear of what Mrs. Grundy may say that keeps the noses of many worthy families to the grindstone.

In America many persons like to repeat "we are all free and equal," but it is a great mistake in more ways than one.

That we are born "free and equal" is a glorious truth in one sense, yet we are not all born equally rich, and we never shall be. One may say; "there is a man who has an income of one hundred thousand dollars a year, while I have but one thousand dollars; I knew that fellow when he was poor like myself; now he is rich and thinks he is better than I am; I will show him that I am as good as he is; I will go and buy a fancy car; no, I cannot do that, but I will go and hire one and ride this afternoon on the same road that he does, and thus prove to him that I am as good as he is."

Some families spend eighty thousand dollars a year, and some much more, and would scarcely know how to live on less, while others secure more solid enjoyment frequently on half of that amount. Prosperity is a more severe ordeal than adversity, especially sudden prosperity. "Easy come, easy go," is an old and true proverb. Start Saving Your Money! And Spend Less!

Live Life to its Fullest

We've all heard the old line - "You are what you think". Countless books and papers have sought to help us think our way to success and riches.

The link between our thoughts and our success has been the an elusive target for centuries. Success requires hard work - smart, efficient efforts in the direction of your goal(s). And to keep your brain - and body - functioning at top form eating healthy foods is vital.

Try to enjoy at least one serving daily of foods rich in the healthy omega-3 fatty acids. Here are a few ideas:

Mix 2 tablespoons of ground flaxseeds in your next smoothie or soup.

Have a handful of walnuts.

Bake or grill up three ounces of salmon or another cold-water fish like herring.

Toss a cup of dark red kidney beans in your next salad.

Mix in some spinach and cauliflower.

Life is so much easier when you live it to your fullest - and a healthy lifestyle is invaluable in your quest! Enjoy a healthy, balanced life! Keep eating healthy foods!

"One or another
In money or guns may surpass his brother.
But whoever shall know,
As the long days go.
That to live is happy, has found his heaven."

Enjoy Yourself

From Walt Whitman:

"To breathe the air, how delicious!
To speak, to walk, to seize something by the hand!...
To be this incredible God I am!...
O amazement of things, even the least particle!
O spirituality of things!
I too carol the Sun, usher'd or at noon, or as now, setting;
I too throb to the brain and beauty of the earth and of all the
growths of the earth....

I sing to the last the equalities, modern or old,
I sing the endless finales of things,
I say Nature continues—glory continues.
I praise with electric voice,
For I do not see one imperfection in the universe,
And I do not see one cause or result lamentable at last."

Hard Work and Luck

The Press often publishes stories of great fortunes made winning the lottery or in Vegas or Monte Carlo. The proprietors there love this publicity - it brings them new patrons.

It is necessary to dwell on this gambling side of the question, because every man who believes in luck has a touch of the gambler in him, though he may never have played a stake. And from the point of view of real success in affairs the gambler is doomed in advance. It is a frame of mind which a man should discourage severely when he finds it within the citadel of his mind. It is a view which too frequently infects young men with more ambition than industry.

The view of Fortune as some shining goddess sweeping down from heaven and touching the lucky recipient with her pinions of gold dazzles the mind of youth. Men think that with a single stroke they will either be made rich for life or impoverished for ever.

The more usual view is less ambitious. It is the complaint that Fortune has never looked a man's way. Failure due to lack of industry is excused on the ground that the goddess has proved adverse. There is a third form of this mental disease. A young man spoke to me in Las Vegas the other day, and said, "I could do anything if only I had the chance, but that chance never comes my way." On that same evening I saw the aspirant throwing away whatever chance he may have had at the tables.

A similar type of character is to be found in the young man who consistently refuses good offers or even small chances of work because they are not good enough for him. He expects that Luck will suddenly bestow on him a ready-made position or a gorgeous chance suitable to the high opinions he holds of his own capacities. After a time people tire of giving him any openings at all. In wooing the Goddess of Luck he has neglected the Goddess of Opportunity.

These men in middle age fall into a well-known class. They can be seen haunting the Temple, and explaining to their more industrious and successful associates that they would have been CEOs if a big opportunity had ever come their way. They develop that terrible disease known as "the genius of the untried." Their case is almost as pitiful or ludicrous as that of the man of very moderate abilities whom drink or some other vice has rendered quite incapable. There will still be found men to whisper to each other as he passes, "Ah, if Brown didn't drink, he might do anything."

Far different will be the mental standpoint of the man who really means to succeed. He will banish the idea of luck from his mind. He will accept every opportunity, however small it may appear, which seems to lead to the possibility of greater things. He will not wait on luck to open the portals to fortune. He will seize opportunity by the forelock and develop its chances by his industry. Here and there he may go wrong, where judgment or experience is lacking. But out of his very defeats he will learn to do better in the future, and in the maturity of his knowledge he will attain success. At least, he will not be found sitting down and whining that luck alone has been against him.

There remains a far more subtle argument in favour of the gambling temperament which believes in luck. It is that certain men possess a kind of sixth sense in the realm of speculative enterprise. These men, it is said, know by inherent instinct, divorced from reasoned knowledge, what enterprise will succeed or fail, or whether the market will rise or fall. They are the children of fortune.

The real diagnosis of these cases is a very different one from that put forward by the mystic apostles of the Golden Luck. Eminent men who are closely in touch with the great affairs of politics or business often act on what appears to be a mere instinct of this kind. But, in truth, they have absorbed, through a careful and continuous study of events both in the present and the past, so much knowledge, that their minds reach a conclusion automatically, just as the heart beats without any stimulus from the brain. Ask them for the reasons of their decision, and they become inarticulate or unintelligible in their replies. Their conscious mind cannot explain the long-hoarded experience of their subconscious self. When they prove right in their forecast, the world exclaims, "What luck!" Well, if luck of that kind is long enough continued it will be best ascribed to judgment.

The real "lucky" speculator is of a very different character. He makes a brilliant coup or so and then disappears in some overwhelming disaster. He is as quick in losing his fortune as he is in making it. Nothing except Judgment and Industry, backed by Health, will ensure real and permanent success. The rest is sheer superstition.

Two pictures may be put before the believer in luck as an element in success. The one is Las Vegas where the Goddess Fortune is chiefly worshiped — steeped in almost perpetual sunshine, piled in castellated masses against its hills, gaining the sense of the illimitable from the blue horizon of the Mediterranean—a shining land meant for clean exercise and repose. Yet there youth is only seen in its depravity, while old age flocks to the central gambling hell to excite or mortify its jaded appetites by playing a game it is bound to lose.

Here you may see in their decay the people who believe in luck, steeped in an atmosphere of smoke and excitement, while beauty of Nature or the pursuits of health call to them in vain. Three badly lighted tennis courts compete with thirty splendidly furnished casino rooms. But of means for obtaining the results of exercise without the exertion there is no end. The Salle des Bains offers to the fat and the jaded the hot bath, the electric massage, and all the mechanical instruments for restoring energy. Modern science and art combine to outdo the attractions of the baths of Imperial Rome.

In far different surroundings from these were born the careers of the living captains of modern industry and finance men like Warren Buffet, Bill Gates, Andrew Carnegie, or Walt Disney. These men believed in industry, not in fortune, and in judgment rather than in chance. The youth of this generation will do well to be guided by their example, and follow their road to success. Not by the worship of the Goddess of Luck were the great fortunes established or the great reputations made.

It is natural and right for youth to hope, but if hope turns to a belief in luck, it becomes a poison to the mind. Our youth have before them a splendid opportunity, but let it remember always that nothing but work and brains counts, and that a man can even work himself into brains. No goddess will open to any man the portals of the temple of success. Young men must advance boldly to the central shrine along the arduous but well-tried avenues of solid judgment and hard work.

Start early. Work Hard. Save Your Money. Invest Wisely.

A Balanced Life - Work Hard

A vital element in any well balanced life is work.

Three-fourths of our time is probably spent in work. Of course the meaning of it is that our work should be just as religious as our worship, and unless we can work for the glory of God three-fourths of life remains unsanctified.

The proof that work is religious is that most of Christ's life was spent in work. During a large part of the first thirty years of His life He worked with the hammer and the plane, making ploughs and yokes and household furniture. Christ's public ministry occupied only about two and a half years of His earthly life; the great bulk of His time was simply spent in doing common everyday tasks, and ever since then work has had a new meaning.

When Christ came into the world He was revealed to three deputations who went to meet and worship Him. First came the shepherds, or working class; second, the wise men, or student class; and third, the two old people in the temple, Simeon and Anna; that is to say, Christ is revealed to men at their work, He is revealed to men at their books, and He is revealed to men at their worship. It was the old people who found Christ at their worship, and as we grow older we will spend more time exclusively in worship than we are able to do now. In the mean time we must combine our worship with our work, and we may expect to find Christ at our books and in our common task.

Why should God have provided that so many hours of every day should be occupied with work? It is because Work Makes Men!

A university is not merely a place for making scholars, it is a place for making Christians. A farm is not a place for growing corn, it is a place for growing character, and a man has no character except that which is developed by his life and thought. God's Spirit does the building through the acts which a man performs from day to day. A student who cons out every word in his Latin and Greek instead of consulting a translation finds that honesty is translated into his character. If he works out his mathematical problems thoroughly, he not only becomes a mathematician, but becomes a thorough man. It is by constant and conscientious attention to daily duties that thoroughness and conscientiousness and honorableness are imbedded in our beings.

Make More Money

Many serious letters and a half-humorous criticism in Punch suggest that I am to be regarded as the apostle of a pure materialism. That is not so. I quite recognise the existence of other ambitions in the walks of Art, Religion, or Literature. But at the very outset I confined the scope of my advice to those who wish to triumph in practical affairs. I am talking to the young men who want to succeed in business and to build up a new nation. Criticism based on any other conception of my purpose is a spent shaft.

Money—the word has a magical sound. It conjures up before the vision some kind of enchanted paradise where to wish is to have—Aladdin's lamp brought down to earth.

Yet in reality money carries with it only two qualities of value: the character it creates in the making; the self-expression of the individuality in the use of it, when once it has been made. The art of making money implies all those qualities—resolution, concentration, economy, self-control—which make for success and happiness. The power of using it makes a man who has become the captain of his own soul in the process of its acquirement also the master of the circumstances which surround him. He can shape his immediate world to his own liking. Apart from these two faculties, character in acquirement, power in use, money has little value, and is just as likely to be a curse as a blessing. For this reason the money master will care little for leaving vast wealth to his descendants. He knows that they would be better men for going down stripped into the struggle, with no inheritance but that of brains and character. Wealth without either the wish, the brains, or the power to use it is too often the medium through which men pamper the flesh with good living, and the mind with inanity, until death, operating through the liver, hurries the fortunate youth into an early grave. The inheritance tax should have no terrors for the millionaire.

The value of money is, therefore, first in the striving for it and then in the use of it. The ambition itself is a fine one—but how is it to be achieved?

I would lay down certain definite rules for the guidance of the young man who, starting with small things, is determined to go on to great ones:—


1. The first key which opens the door of success is the trading instinct, the knowledge and sense of the real value of any article. Without it a man need not trouble to enter business at all, but if he possesses it even in a rudimentary form he can cultivate it in the early days when the mind is still plastic, until it develops beyond all recognition. When I was a boy I knew the value in exchange of every marble in my village, and this practice of valuing became a subconscious habit until, so long as I remained in business, I always had an intuitive perception of the real and not the face value of any article.

The young man who will walk through life developing the capacity for determining values, and then correcting his judgments by his information, is the man who will succeed in business.

2. But supposing that a young man has acquired this sense of values, he may yet ruin himself before he comes to the fruition of his talent if he will not practise economy. By economy I mean the economic conduct of his business. Examine your profit and loss account before you go out to conquer the financial world, and then go out for conquest—if the account justifies the enterprise. Too many men spend their time in laying down "pipe-lines" for future profits which may not arrive or only arrive for some newcomer who has taken over the business. There is nothing like sticking to one line of business until you have mastered it. A man who has learned how to conduct a single industry at a profit has conquered the obstacles which stand in the way of success in the larger world of enterprise.

3. Do not try to cut with too wide a swath. This last rule is the most important of all. Many promising young men have fallen into ruin from the neglect of this simple principle. It is so easy for premature ambition to launch men out into daring schemes for which they have neither the resources nor the experience. Acquire the knowledge of values, practise economy, and learn to read the minds of men, and your technique will then be perfected and ready for use on wider fields. The instinct for values, the habit of economy, the technique of business, are only three forms of the supreme quality of that judgment which is success.

For these reasons it is the first £10,000 which counts. There is the real struggle, the test of character, and the warranty of success. Youth and strength are given us to use in that first struggle, and a man must feel those early deals right down to the pit of his stomach if he is going to be a great man of business. They must shake the very fibre of his being as the conception of a great picture shakes an artist. But the first ten thousand made, he can advance with greater freedom and take affairs in his stride. He will have the confidence of experience, and can paint with a big brush because all the details of affairs are now familiar to his mentality. With this assured technique nothing will check the career.

"Why," says the innkeeper in an adaptation from Bernard Shaw's sketch of Napoleon in Italy, "conquering countries is like folding a tablecloth. Once the first fold is made, the rest is easy. Conquer one, conquer all."

Such in effect is the career of the great captains of industry. Yet the man who attains, by the practice of these rules, a great fortune, may fail of real achievement and happiness. He may not be able to recognise that the qualities of the aspirant are not exactly the qualities of the man who has arrived. The sense of general responsibility must supersede the spirit of private adventure.

The stability of credit becomes the watchword of high finance. Thus the great money master will not believe that periods of depression are of necessity ruinous. It is true that no great profits will be made in such years of depression. But the lean years will not last for ever. Industry during the period of deflation goes through a process like that of an over-fat man taking a Turkish bath. The extravagances are eliminated, new invention and energy spring up to meet the call of necessity, and when the boom years come again it finds industry, like a highly trained athlete, ready to pour out the goods and pay the wages. Economic methods are nurtured by depression.

But when all has been said and done, the sceptic may still question us. Is the capacity to make money something to be desired and striven for, something worth having in the character, some proof of ability in the mind? The answer is "Yes."

Money which is striven for brings with it the real qualities in life. Here are the counters which mark character and brains. The money brain is, in the modern world, the supreme brain. Why? Because that which the greatest number of men strive for will produce the fiercest competition of intellect. Politics are for the few; they are a game, a fancy, or an inheritance. Leaving out the man of genius who flares out, perhaps, once or twice in a century, the amount of ability which enables a man to cut a very respectable figure in a Cabinet is extraordinarily low, compared with that demanded in the world of industry and finance. The politician will never believe this, but it is so.

The battles of the market-place are real duels, on which realities of life and death and fortune or poverty and even of fame depend. Here men fight with a precipice behind them, not a pension of $200,000 a year. The young men who go down into that press must win their spurs by no man's favour. But youth can triumph; it has the resolution when the mind is still plastic to gain that judgment which experience gives.

Our advice to the young men of to-day is simply this: Money is nothing but the fruit of resolution and intellect applied to the affairs of the world. To an unshakable resolution fortune will oppose no bar.

Save your money.

Decide to be Happy

Near by the Temple of Success based on the three pillars of Health, Industry, and Judgment, stands another temple. Behind the curtains of its doors is concealed the secret of happiness.

There are, of course, many forms of that priceless gift. Different temperaments will interpret it differently. Various experiences will produce variations of the blessing. A man may make a failure in his affairs and yet remain happy. The spiritual and inner life is a thing apart from material success. Even a man who, like Robert Louis Stevenson, suffers from chronic ill-health can still be happy.

But we must leave out these exceptions and deal with the normal man, who lives by and for his practical work, and who desires and enjoys both success and health. Granted that he has these two possessions, must he of necessity be happy? Not so. He may have access to the first temple, but the other temple may still be forbidden him. A rampant ambition can be a torture to him. An exaggerated selfishness can make his life miserable, or an uneasy conscience may join with the sins of pride to take their revenge on his mentality. For the man who has attained success and health there are three great rules: "To do justly, and to love mercy, and to walk humbly." These are the three pillars of the Temple of Happiness.

Justice, which is another word for honesty in practice and in intention, is perhaps the easiest of the virtues for the successful man of affairs to acquire. His experience has schooled him to something more profound than the acceptance of the rather crude dictum that "Honesty is the best policy"—which is often interpreted to mean that it is a mistake to go to gaol. But real justice must go far beyond a mere fear of the law, or even a realisation that it does not pay to indulge in sharp practice in business. It must be a mental habit—a fixed intention to be fair in dealing with money or politics, a natural desire to be just and to interpret all bargains and agreements in the spirit as well as in the letter.

The idea that nearly all successful men are unscrupulous is very frequently accepted. To the man who knows, the doctrine is simply foolish. Success is not the only or the final test of character, but it is the best rough-and-ready reckoner. The contrary view that success probably implies a moral defect springs from judging a man by the opinions of his rivals, enemies, or neighbours. The real judges of a man's character are his colleagues. If they speak well of him, there is nothing much wrong. The failure, on the other hand, can always be sure of being popular with the men who have beaten him. They give him a testimonial instead of a cheque. It would be too curious a speculation to pursue to ask whether Justice, like the other virtues, is not a form of self-interest. To answer it in the affirmative would condemn equally the doctrines of the Sermon on the Mount and the advice to do unto others what they should do unto you. But this is certain. No man can be happy if he suffers from a perpetual doubt of his own justice.

The second quality, Mercy, has been regarded as something in contrast or conflict with justice. It is not really so. Mercy resembles the prerogative of the judge to temper the law to suit individual cases. It must be of a kindred temper with justice, or it would degenerate into mere weakness or folly. A man wants to be certain of his own just inclination before he can dare to handle mercy. But the quality of mercy is, perhaps, not so common in the human heart as to require this caution. It is a quality that has to be acquired. But the man of success and affairs ought to be the last person to complain of the difficulty of acquiring it. He has in his early days felt the whip-hand too often not to sympathise with the feelings of the under-dog. And he always knows that at some time in his career he, too, may need a merciful interpretation of a financial situation. Shakespeare may not have had this in his mind when he said that mercy "blesseth him that gives and him that takes"; but he is none the less right. Those who exercise mercy lay up a store of it for themselves. Shylock had law on his side, but not justice or mercy. One is reminded of his case by the picture of certain Jews and Gentiles alike as seen playing roulette at Monte Carlo. Their losses, inevitable to any one who plays long enough, seem to sadden them. M. Blanc would be doing a real act of mercy if he would exact his toll not in cash, but in flesh. Some of the players are of a figure and temperament which would miss the pound of flesh far less than the pound sterling.

What, then, in its essence is the quality of mercy? It is something beyond the mere desire not to push an advantage too far. It is a feeling of tenderness springing out of harsh experience, as a flower springs out of a rock. It is an inner sense of gratitude for the scheme of things, finding expression in outward action, and, therefore, assuring its possessor of an abiding happiness.

The quality of Humility is by far the most difficult to attain. There is something deep down in the nature of a successful man of affairs which seems to conflict with it. His career is born in a sense of struggle and courage and conquest, and the very type of the effort seems to invite in the completed form a temperament of arrogance. I cannot pretend to be humble myself; all I can confess is the knowledge that in so far as I could acquire humility I should be happier. Indeed, many instances prove that success and humility are not incompatible. One of the most eminent of our politicians is by nature incurably modest. The difficulty in reconciling the two qualities lies in that "perpetual presence of self to self which, though common enough in men of great ambition and ability, never ceases to be a flaw."

But there is certainly one form of humility which all successful men ought to be able to practise. They can avoid a fatal tendency to look down on and despise the younger men who are planting their feet in their own footsteps. The established arrogance which refuses credit or opportunity to rising talent is unpardonable. A man who gives way to what is really simply a form of jealousy cannot hope to be happy, for jealousy is above all others the passion which tears the heart.

The great stumbling block which prevents success embracing humility is the difficulty of distinguishing between the humble mind and the cowardly one. When does humility merge into moral cowardice and courage into arrogance? Some men in history have had this problem solved for them. Stonewall Jackson is a type of the man of supreme courage and action and judgment who was yet supremely humble—but he owed his bodily and mental qualities to nature and his humility to the intensity of his Presbyterian faith. Few men are so fortunately compounded.

Still, if the moral judgment is worth anything, a man should be able to practise courage without arrogance and to walk humbly without fear. If he can accomplish the feat he will reap no material reward, but an immense harvest of inner well-being. He will have found the blue bird of happiness which escapes so easily from the snare. He will have joined Justice to Mercy and added Humility to Courage, and in the light of this self-knowledge he will have attained the zenith of a perpetual satisfaction