CHAPTER LXV

Life's highway is strewn with failures, just as the sea bed is strewn with wrecks.

A large percentage of those who embark in commercial undertakings fail, according to the records of commercial agencies.

Why do men fail? Why do adventures into business, happily launched, terminate in disastrous wreck?

Why do the few succeed and the many fail? Some failures are relative and not absolute; a partial success is achieved; a success that goes limping along through life; but the goal of ambition is unreached, the heart's desire unattained.

There are so many elements that enter into business that it is impossible to more than indicate them. Health, natural aptitude, temperament, disposition, a right start and in the right place, hereditary traits, good judgment, common sense, level-headedness, etc., are all factors which enter into one's chance of success in life. The best we can do in one chapter is to hang out the red flag over the dangerous places; to chart the rocks and shoals, whereon multitudes of vessels, which left the port of youth with flying colors, favoring breezes and every promise of a successful voyage, have been wrecked and lost.

The lack of self-confidence and lack of faith in one's ideas in one's mission in life have caused innumerable failures.

People who don't get on and who don't know why, do not realize the power of trifles to mar a career, what little things are killing their business or injuring their profession; do not realize how little things injure their credit; such as the lack of promptness in paying bills, or meeting a note at the bank.

Many men fail because they thought they had the field and were in no danger from competition, so that the heads of the firm took it easy, or because some enterprising up-to-date, progressive young man came to town, and, before they realized it, took their trade away from them, because they got into a rut, and didn't keep up-to-date stock and an attractive store.

They don't realize what splendid salesmen, an attractive place of business, up-to-date methods, and courteous treatment of customers mean.

Men often fail because they do not realize that creeping paralysis, caused by dry rot, is gradually strangling their business. Many business men fail because they dare not look their business conditions in the face when things go wrong, and do not adopt heroic methods, but continue to use palliatives, until the conditions are beyond cure, even with a surgeon's knife.

Lots of men fail because they don't know how to get rid of deadwood in their establishment, or retain non-productive employees, who with slip-shod methods, and indifference drive away more business than the proprietors can bring in by advertising.

Many other men fail because they tried bluff in place of capital, and proper training, or because they didn't keep up with the times.

Lots of young people fail to get ahead and plod along in mediocrity because they never found their place. They are round pegs in square holes. Others are not capable of coping with antagonism. Favoritism of proprietors and managers has killed many a business. A multitude of men fail to get on because they take themselves too seriously. They deliver their goods in a hearse, employ surly, unaccommodating clerks. Bad business manners have killed many a business. Slave-driving methods, inability to get along with others, lack of system, defective organizing ability, have cut short many a career.

A great many men are ruined by "side-lines" things outside their regular vocation. Success depends upon efficiency, and efficiency is impossible without intense, persistent concentration. Many traveling men think that they can pick up a little extra money and increase their income by taking up some "side-line." But it is always the small man, never the big one, who has a "side-line." Many of these men remain small, and are never able to rise to a big salaried position because they split up their endeavor, dissipate their energy. "Side-lines" are dangerous because they divert the mind, scatter effort, and nothing great can be accomplished withoutintense concentration.

Many people are always driving success away from them by their antagonistic manner, and their pessimistic thought.They work for one thing, but expect something else. They don't realize that their mental attitude must correspond with their ambition; that if they are working hard to get on, they must expect prosperity, and not kill their prospects by their adverse mental attitude—their doubts and fears.

Lots of men are ruined by "a sure thing," an inside tip, buying stocks on other people's judgment.

Many people fail because they lose their grit after they fail, or when they get down, they don't know how to get up. Many are victims of their moods, slaves of despondency. Courage and an optimistic outlook upon life are imperative to the winner. Fear is fatal to success. Many a young man fails because he can not multiply himself in others, can not delegate his work, is lost in detail. Other men fail in an attempt to build up a big business; their minds are not trained to grasp large subjects, to generalize, to make combinations; they are not self-reliant, depending upon other people's judgment and advice.

Many a man who works hard himself, does not know how to handle men, and does not know how to use other people's brains.

Thousands of youths fail to get on because they never fall in love with their work. Work that is drudgery never succeeds.

Fifty years ago, a stable-boy cleaned the horses of a prosperous hotel proprietor, who drove into Denver for supplies. That boy became Governor of Colorado, and later the hotel-keeper, with shattered fortunes, was glad to accept a place as watchman at the hand of the former stable-boy.

Life is made up of such contrasts. Every successful man, in whatever degree and in whatever line, has, at every step of his life, been on seemingly equal terms with hundreds of his fellows who, later, reached no such measure of success as he. Every miserable failure has had at some time as many chances, and at least as much possibility of cultivating the same qualities, as the successful people have had at some time in their lives.

Since humble birth and handicaps of every sort and degree have not prevented success in the determined man; since want has often spurred to needed action and obstacles but train to higher leaping, why should men fail? What causes the failures and half-successes that make up the generality of mankind?

The answer is manifold, but its lesson is plain. As one writer has expressed it, "Every mainspring of success is a mainspring of failure, when wound around the wrong way." Every opportunity for advancement, for climbing for success, is just as much an opportunity for failure. Every success quality can be turned to one's disadvantage through excessive development or wrong use. No matter how broad and strong the dike may be, if a little hole lets the water through, ruin and disaster are sure. Possession of almost all the success-qualities may be absolutely nullified by one or two faults or vices. Sometimes one or two masterful traits of character will carry a person to success, in spite of defects that are a serious clog.

The numerous failures who wish always to blame their misfortunes upon others, or upon external circumstances, find small comfort in statistics compiled by those who have investigated the subject. In analyzing the causes of business failure in a recent yearBradstreet'sfound that seven-tenths were due to faults of those failing, and only three-tenths to causes entirely beyond their control. Faults causing failure, with per cent. of failures caused by each, are given as follows: incompetence, 19 per cent.; inexperience, 7.8 per cent.; lack of capital, 30.3 per cent.; unwise granting of credit, 3.6 per cent.; speculation, 2.3 per cent. It may be explained that "lack of capital" really means attempting to do too much with inadequate capital. This is a purely commercial analysis of purely commercial success. Character delinquencies must be read between the lines.

Forty successful men were induced, not long ago, to answer in detail the question, "What, in your observation, are the chief causes of the failure in life of business or professional men?" The causes attributed by these representative men were as follows:

Bad habits; bad judgment; bad luck; bad associates; carelessness of details; constant assuming of unjustifiable risks; desire to become rich too fast; drinking; dishonest dealings; desire of retrenchment; dislike to say no at the proper time; disregard of the Golden Rule; drifting with the tide; expensive habits of life; extravagance: envy; failure to appreciate one's surroundings; failure to grasp one's opportunities; frequent changes from one business to another; fooling away of time in pursuit of a so-called good time, gambling; inattention; incompetent assistants; incompetency; indolence; jealousy. Lack of attention to business; of application; of adaptation; of ambition; of business methods; of capital; of conservatism; of close attention to business; of confidence in self; of careful accounting; of careful observation; of definite purpose; of discipline in early life; of discernment of character; of enterprise; of energy; of economy; of faithfulness; of faith in one's calling; of industry; of integrity; of judgment; of knowledge of business requirements; of manly character; of natural ability; of perseverance; of pure principles; of proper courtesy toward people; of purpose; of pluck; of promptness in meeting business engagements; of system. Late hours; living beyond one's income; leaving too much to one's employees; neglect of details; no inborn love for one's calling; over-confidence in the stability of existing conditions; procrastination; speculative mania; selfishness; self-indulgence in small vices; studying ease rather than vigilance; social demoralization; thoughtless marriages; trusting one's work to others; undesirable location; unwillingness to pay the price of success; unwillingness to bear early privations; waste; yielding too easily to discouragement.

Surely, here is material enough for a hundred sermons if one cared to preach them. Without attempting to discuss all these causes of failure, some few may be profitably examined.

No youth can hope to succeed who is timid, who lacks faith in himself, who has not the courage of his convictions, and who always seeks for certainty before he ventures. "Self-distrust is the cause of most of our failures," said one. "In the assurance of strength there is strength, and they are the weakest, however strong, who have no faith in themselves or their powers."

"The ruin which overtakes so many merchants," said another, "is due, not so much to their lack of business talent, as to their lack of business nerve. How many lovable persons we see in trade, endowed with brilliant capacities, but cursed with yielding dispositions—who are resolute in no business habits and fixed in no business principles—who are prone to follow the instincts of a weak good nature, against the ominous hints of a clear intelligence; now obliging this friend by indorsing an unsafe note, and then pleasing that neighbor by sharing his risk in a hopeless speculation, and who, after all the capital they have earned by their industry and sagacity has been sunk in benevolent attempts to assist blundering or plundering incapacity, are doomed, in their bankruptcy, to be the mark of bitter taunts from growling creditors and insolent pity from a gossiping public."

Scattering one's forces has killed many a man's success. Withdrawal of the best of yourself from the work to be done is sure to bring final disaster. Every particle of a man's energy, intellect, courage, and enthusiasm is needed to win success in one line. Draw off part of the supply of any one or all of these, and there is danger that what is left will not suffice. A little inattention to one's business at a critical point is quite sufficient to cause shipwreck. The pilot who pays attention to a pretty passenger is not likely to bring his ship to port. Attractive side issues, great schemes, and flattering promises of large rewards, too often lure the business or professional man from the safe path in which he may plod on to sure success. Many a man fails to become a great man, by splitting into several small ones, choosing to be a tolerable Jack-at-all-trades, rather than to be an unrivalled specialist.

Lack of thoroughness is another great cause of failure. The world is overcrowded with men, young and old, who remain stationary, filling minor positions, and drawing meager salaries, simply because they have never thought it worth while to achieve mastery in the pursuits they have chosen to follow.

Lack of education has caused many failures; if a man has success qualities in him, he will not long lack such education as is absolutely necessary to his success. He will walk fifty miles if necessary to borrow a book, like Lincoln. He will hang by one arm to a street lamp, and hold his book with the other, like a certain Glasgow boy. He will study between anvil blows, like Elihu Burritt; he will do some of the thousand things that other noble strugglers have done to fight against circumstances that would deprive them of what they hunger for.

"The five conditions of failure," said H. H. Vreeland, president of the Metropolitan Street Railway Company of New York, "may be roughly classified thus: first, laziness, and particularly mental laziness; second, lack of faith in the efficiency of work; third, reliance on the saving grace of luck; fourth, lack of courage, initiative and persistence: fifth, the belief that the young man's job affects his standing, instead of the young man's affecting the standing of his job."

Look where you will, ask of whom you will, and you will find that not circumstances, but personal qualities, defects and deficiencies, cause failures. This is strongly expressed by a wealthy manufacturer who said: "Nothing else influences a man's career in life so much as his disposition. He may have capacity, knowledge, social position, or money to back him at the start; but it is his disposition that will decide his place in the world at the end. Show me a man who is, according to popular prejudice, a victim of bad luck, and I will show you one who has some unfortunate, crooked twist of temperament that invites disaster, He is ill-tempered, or conceited, or trifling, or lacks enthusiasm."

There are some men whose failure to succeed in life is a problem to others, as well as to themselves. They are industrious, prudent, and economical; yet after a long life of striving, old age finds them still poor. They complain of ill luck, they say fate is against them. But the real truth is that their projects miscarry, because they mistake mere activity for energy. Confounding two things essentially different, they suppose that if they are always busy, they must of necessity be advancing their fortunes; forgetting that labor misdirected is but a waste of activity.

The worst of all foes to success is sheer, downright laziness. There is no polite synonym for laziness. Too many young men are afraid to work. They are lazy. They aim to find genteel occupations, so that they can dress well, and not soil their clothes, and handle things with the tips of their fingers. They do not like to get their shoulders under the wheel, and they prefer to give orders to others, or figure as masters, and let some one else do the drudgery. There is no place in this century for the lazy man. He will be pushed to the wall. Labor ever will be the inevitable price for everything that is valuable.

A metropolitan daily newspaper not long ago invited confessions by letter from those who felt that their lives had been failures. The newspaper agreed not to disclose the name or identity of any person making such a confession, and requested frank statements. Two questions were asked: "Has your life been a failure? Has your business been a failure?"

Some of the replies were pitiable in the extreme.

Some attributed their failures to a cruel fate which seemed to pursue them and thwart all their efforts, some to hereditary weaknesses, deformities, and taints, some to a husband or a wife, others to "inhospitable surroundings," and "cruel circumstances."

It is worthy of note that not one of these failures mentioned laziness as a cause.

Here are some of the reasons they did give:

"J. P. T." considered that his life was a failure from too much genius. He said he thought he could do anything, and therefore he couldn't wait to graduate from college, but left and began the practise of law, was principal of an academy, overworked himself, and had too many irons in the fire. He failed, he said, from dissipating his energies, and having too much confidence in men.

"Rutherford," said he had four chances to succeed in life, but lost them all. The first cause of his failure was lack of perseverance. He tired of the sameness and routine of his occupation. His second shortcoming was too great liberality, too much confidence in others. Third, economy was not in his dictionary. Fourth, "I had too much hope, even in the greatest extremities." Fifth, "I believed too much in friends and friendships. I couldn't read human nature, and did not make allowance enough for mistakes." Sixth, "I never struck my vocation." Seventh, "I had no one to care for, to spur me on to do something in the world. I am seventy years old, never drank, never had bad habits, always attended church. But I am as poor as when I started for myself."

"G. C. S." failed dismally. "My weakness was building air-castles. I had a burning desire to make a name in the world, and came to New York from the country. Rebuffed, discouraged, I drifted. I had no heart for work. I lacked ability and push, without which no life can be a success."

"Lacked ability and push."—Pushisability. Laziness is lack of push. Nothing can take the place of push. Push means industry and endurance and everlasting stick-to-it-ive-ness.

"A somewhat varied experience of men has led me, the longer I live," said a great man, "to set less value on mere cleverness; to attach more and more importance to industry and physical endurance."

Goethe said that industry is nine-tenths of genius, and Franklin that diligence is the mother of good luck. A thousand other tongues and pens have lauded work. Idleness and shiftlessness may be set down as causing a large part of the failures of the world.

On every side we see persons who started out with good educations and great promise, but who have gradually "gone to seed." Their early ambition oozed out, their early ideals gradually dropped to lower standards. Ambition is a spring that sets the apparatus going. All the parts may be perfect, but the lack of a spring is a fatal defect. Without wish to rise, desire to accomplish and to attain, no life will succeed largely.

"Chief among the causes which bring positive failure or a disappointing portion of half success to thousands of honest strugglers is vacillation," said Thomas B. Bryan.

Many a business man has made his fortune by promptly deciding at some nice juncture to expose himself to a considerable risk. Yet many failures are caused by ill-advised changes and causeless vacillation of purpose. The vacillating man, however strong in other respects, is always pushed aside in the race of life by the determined man, the decisive man, who knows what he wants to do and does it; even brains must give way to decision. One could almost say that no life ever failed that was steadfastly devoted to one aim, if that aim were not in itself unworthy.

I am a great believer in a college education, but a great many college graduates have made failures of their lives who might have succeeded had they not gone to college, because they depended upon theoretical, impractical knowledge to help them on, and were not willing to begin at the bottom after graduation.

On every hand we see men who did well in college, but who do very poorly in life. They stood high in their classes, were conscientious, hard workers, but somehow when they get out into life, they do not seem able to catch on. They are not practical. It would be hard to tell why they never get ahead, but there seems to be something lacking in their make-up, some screw loose somewhere. These brilliant graduates, but indifferently successful men, are often enigmas to themselves. They don't understand why they don't get on.

There is no doubt that ill-health is often the cause of failure, but this is often due to a wrong mental attitude, wrong thinking. The pessimistic, discouraged mental attitude is very injurious to good health. Worry, fear, anxiety, jealousy, extreme selfishness, poison the system, so that it does not perform its functions perfectly, and will cause much ill-health.

A complete reversal of the mental attitude would bring robust health to multitudes of those who suffer from "poor health." If people would only think right, and live right, ill-health would be very rare. A wrong mental attitude is the cause of a large part of physical weakness, disease, and suffering.

It has been said that the two chief factors of success are industry and health. But the history of human triumphs over difficulties shows that the sick, the crippled, the deformed, have often outrun the strong and hale to the goal of success, in spite of tremendous physical handicaps. Many such instances are cited in other chapters of this volume.

Where men have built an abiding success, industry and perseverance have proven the foundation stone? of their great achievements. Every man may lay this foundation and build on it for himself. Whatever a man's natural advantages may be, great or small, industry and perseverance are his, if he chooses. By the exercise of these qualities he may rise, as others have done, to success, if like Palissy he

"Labors and endures and waitsAnd what he can not find creates."

WHEN IS SUCCESS A FAILURE?

When you are doing the lower while the higher is possible.

When you are not a cleaner, finer, larger man on account of your life-work.

When you live only to eat, drink, have a good time, and accumulate money.

When you do not carry a higher wealth in your character than in your pocketbook.

When your highest brain cells have been crowded out of business by greed.

When it has made conscience an accuser, and shut the sunlight out of your life.

When all sympathy has been crushed out by selfish devotion to your vocation.

When the attainment of your ambition has blighted the aspirations and crushed the hopes of others.

When you plead that you never had time to cultivate your friendships, politeness, or good manners.

When you have lost on your way your self-respect, your courage, your self-control, or any other quality of manhood.

When you do not overtop your vocation; when you are not greater as a man than as a lawyer, a merchant, a physician, or a scientist.

When you have lived a double life and practised double-dealing.

When it has made you a physical wreck—a victim of "nerves" and moods.

When the hunger for more money, more land, more houses and bonds has grown to be your dominant passion.

When it has dwarfed you mentally and morally, and robbed you of the spontaneity and enthusiasm of youth. When it has hardened you to the needs and sufferings of others, and made you a scorner of the poor and unfortunate.

When there is a dishonest or a deceitful dollar in your possession; when your fortune spells the ruin of widows and orphans, or the crushing of the opportunities of others.

When your absorption in your work has made you practically a stranger to your family.

When you go on the principle of getting all you can and giving as little as possible in return.

When your greed for money has darkened and cramped your wife's life, and deprived her of self-expression, of needed rest and recreation, or amusement of any kind.

When the nervous irritability engendered by constant work, without relaxation, has made you a brute in your home and a nuisance to those who work for you.

When you rob those who work for you of what is justly their due, and then pose as a philanthropist by contributing a small fraction of your unjust gains to some charity or to the endowment of some public institution.

Let others plead for pensions; I can be rich without money, by endeavoring to be superior to everything poor. I would have my services to my country unstained by any interested motive.—LORD COLLINGWOOD.

I ought not to allow any man, because he has broad lands, to feel that he is rich in my presence. I ought to make him feel that I can do without his riches, that I can not be bought,—neither by comfort, neither by pride,—and although I be utterly penniless, and receiving bread from him, that he is the poor man beside me.—EMERSON.

He is richest who is content with the least, for content is the wealth of nature.—SOCRATES.

My crown is in my heart, not on my head,Nor decked with diamonds and Indian stones,Nor to be seen: my crown is called content;A crown it is, that seldom kings enjoy.SHAKESPEARE.

Many a man is rich without money. Thousands of men with nothing in their pockets are rich.

A man born with a good, sound constitution, a good stomach, a good heart and good limbs, and a pretty good head-piece is rich.

Good bones are better than gold, tough muscles than silver, and nerves that carry energy to every function are better than houses and land.

"Heart-life, soul-life, hope, joy, and love, are true riches," said Beecher.

Why should I scramble and struggle to get possession of a little portion of this earth? This is my world now; why should I envy others its mere legal possession? It belongs to him who can see it, enjoy it. I need not envy the so-called owners of estates in Boston or New York. They are merely taking care of my property and keeping it in excellent condition for me. For a few pennies for railroad fare whenever I wish I can see and possess the best of it all. It has cost me no effort, it gives me no care; yet the green grass, the shrubbery, and the statues on the lawns, the finer sculptures and the paintings within, are always ready for me whenever I feel a desire to look upon them. I do not wish to carry them home with me, for I could not give them half the care they now receive; besides, it would take too much of my valuable time, and I should be worrying continually lest they be spoiled or stolen. I have much of the wealth of the world now. It is all prepared for me without any pains on my part. All around me are working hard to get things that will please me, and competing to see who can give them the cheapest. The little that I pay for the use of libraries, railroads, galleries, parks, is less than it would cost to care for the least of all I use. Life and landscape are mine, the stars and flowers, the sea and air, the birds and trees. What more do I want? All the ages have been working for me; all mankind are my servants. I am only required to feed and clothe myself, an easy task in this land of opportunity.

A millionaire pays a big fortune for a gallery of paintings, and some poor boy or girl comes in, with open mind and poetic fancy, and carries away a treasure of beauty which the owner never saw. A collector bought at public auction in London, for one hundred and fifty-seven guineas, an autograph of Shakespeare; but for nothing a schoolboy can read and absorb the riches of "Hamlet."

"Want is a growing giant whom the coat of Have was never large enough to cover." "A man may as soon fill a chest with grace, or a vessel with virtue," says Phillips Brooks, "as a heart with wealth."

Shall we seek happiness through the sense of taste or of touch? Shall we idolize our stomachs and our backs? Have we no higher missions, no nobler destinies? Shall we "disgrace the fair day by a pusillanimous preference of our bread to our freedom"?

What does your money say to you: what message does it bring to you? Does it say to you, "Eat, drink, and be merry, for to-morrow we die"? Does it bring a message of comfort, of education, of culture, of travel, of books, of an opportunity to help your fellow-men or is the message "More land, more thousands and millions"? What message does it bring you? Clothes for the naked, bread for the starving, schools for the ignorant, hospitals for the sick, asylums for the orphans, or of more for yourself and none for others? Is it a message of generosity or of meanness, breadth or narrowness? Does it speak to you of character? Does it mean a broader manhood, a larger aim, a nobler ambition, or does it cry, "More, more, more"?

Are you an animal loaded with ingots, or a man filled with a purpose? He is rich whose mind is rich, whose thought enriches the intellect of the world.

A sailor on a sinking vessel in the Caribbean Sea eagerly filled his pockets with Spanish dollars from a barrel on board while his companions, about to leave in the only boat, begged him to seek safety with them. But he could not leave the bright metal which he had so longed for and idolized, and when the vessel went down he was prevented by his very riches from reaching shore.

"Who is the richest of men?" asked Socrates. "He who is content with the least, for contentment is nature's riches."

In More's "Utopia" gold was despised. Criminals were forced to wear heavy chains of it, and to have rings of it in their ears; it was put to the vilest uses to keep up the scorn of it. Bad characters were compelled to wear gold head-bands. Diamonds and pearls were used to decorate infants, so that the youth would discard and despise them.

"Ah, if the rich were as rich as the poor fancy riches!" exclaims Emerson.

In excavating Pompeii a skeleton was found with the fingers clenched round a quantity of gold. A man of business in the town of Hull, England, when dying, pulled a bag of money from under his pillow, which he held between his clenched fingers with a grasp so firm as scarcely to relax under the agonies of death.

"Oh! blind and wanting wit to choose,Who house the chaff and burn the grain;Who hug the wealth ye cannot use,And lack the riches all may gain."

Poverty is the want of much, avarice the want of everything.

A poor man while scoffing at the wealthy for not enjoying themselves was met by a stranger who gave him a purse, in which he was always to find a ducat. As fast as he took one out another was to drop in, but he was not to begin to spend his fortune until he had thrown away the purse. He took ducat after ducat out, but continually procrastinated and put off the hour of enjoyment until he had got "a little more," and died at last counting his millions.

A beggar was once met by Fortune, who promised to fill his wallet with gold, as much as he might desire, on condition that whatever touched the ground should turn at once to dust. The beggar opened his wallet, asked for more and yet more, until the bag burst. The gold fell to the ground, and all was lost.

When the steamerCentral Americawas about to sink, the stewardess, having collected all the gold she could from the staterooms, and tied it in her apron, jumped for the last boat leaving the steamer. She missed her aim, fell into the water and the gold carried her down head first.

Franklin said money never made a man happy yet; there is nothing in its nature to produce happiness. The more a man has, the more he wants. Instead of filling a vacuum, it makes one. A great bank account can never make a man rich. It is the mind that makes the body rich. No man is rich, however much money or land he may possess, who has a poor heart. If that is poor, he is poor indeed, though he own and rule kingdoms. He is rich or poor according to what he is, not according to what he has.

Some men are rich in health, in constant cheerfulness, in a mercurial temperament which floats them over troubles and trials enough to sink a shipload of ordinary men. Others are rich in disposition, family, and friends. There are some men so amiable that everybody loves them; so cheerful that they carry an atmosphere of jollity about them.

The human body is packed full of marvelous devices, of wonderful contrivances, of infinite possibilities for the happiness and enrichment of the individual. No physiologist, inventor, nor scientist has ever been able to point out a single improvement, even in the minutest detail, in the mechanism of the human body. No chemist has ever been able to suggest a superior combination in any one of the elements which make up the human structure.

Mark TwainMark Twain

Mark TwainMark Twain

One of the first great lessons of life is to learn the true estimate of values. As the youth starts out in his career all sorts of wares will be imposed upon him and all kinds of temptations will be used to induce him to buy. His success will depend very largely upon his ability to estimate properly, not the apparent but the real value of everything presented to him. Vulgar Wealth will flaunt her banner before his eyes, and claim supremacy over everything else. A thousand different schemes will be thrust into his face with their claims for superiority. Every occupation and vocation will present its charms and offer its inducements in turn. The youth who would succeed must not allow himself to be deceived by appearance, but must place the emphasis of life upon the right thing.

Raphael was rich without money. All doors opened to him, and he was more than welcome everywhere. His sweet spirit radiated sunshine wherever he went.

Henry Wilson, the sworn friend of the oppressed, whose one question, as to measures or acts, was ever "Is it right; will it do good?" was rich without money. So scrupulous had this Natick cobbler been not to make his exalted position a means of worldly gain, that when he came to be inaugurated as Vice-President of the country, he was obliged to borrow of his fellow-senator, Charles Sumner, one hundred dollars to meet the necessary expenses of the occasion.

Mozart, the great composer of the "Requiem," left barely enough money to bury him, but he has made the world richer.

A rich mind and noble spirit will cast over the humblest home a radiance of beauty which the upholsterer and decorator can never approach. Who would not prefer to be a millionaire of character, of contentment, rather than possess nothing but the vulgar coins of a Croesus? Whoever uplifts civilization, though he die penniless, is rich, and future generations will erect his monument.

An Asiatic traveler tells us that one day he found the bodies of two men laid upon the desert sand beside the carcass of a camel. They had evidently died from thirst, and yet around the waist of each was a large store of jewels of different kinds, which they had doubtless been crossing the desert to sell in the markets of Persia.

The man who has no money is poor, but one who has nothing but money is poorer. He only is rich who can enjoy without owning; he is poor who though he have millions is covetous. There are riches of intellect, and no man with an intellectual taste can be called poor. He is rich as well as brave who can face compulsory poverty and misfortune with cheerfulness and courage.

We can so educate the will power that it will focus the thoughts upon the bright side of things, and upon objects which elevate the soul, thus forming a habit of happiness and goodness which will make us rich. The habit of making the best of everything and of always looking on the bright side is a fortune in itself.

He is rich who values a good name above gold. Among the ancient Greeks and Romans honor was more sought after than wealth. Rome was imperial Rome no more when the imperial purple became an article of traffic.

Diogenes was captured by pirates and sold as a slave. His purchaser released him, giving him charge of his household and of the education of his children. Diogenes despised wealth and affectation, and lived in a tub. "Do you want anything?" asked Alexander the Great, greatly impressed by the abounding cheerfulness of the philosopher under such circumstances. "Yes," replied Diogenes, "I want you to stand out of my sunshine and not take from me what you can not give me." "Were I not Alexander," exclaimed the great conqueror, "I would be Diogenes."

"Do you know, sir," said a devotee of Mammon to John Bright, "that I am worth a million sterling?" "Yes," said the irritated but calm-spirited respondent, "I do; and I know that it is all you are worth."

What power can poverty have over a home where loving hearts are beating with a consciousness of untold riches of the head and heart?

St. Paul was never so great as when he occupied a prison cell under the streets of Rome; and Jesus Christ reached the height of His success when, smitten, spat upon, tormented, and crucified, He cried in agony, and yet with triumphant satisfaction, "It is finished."

Don't start out in life with a false standard; a truly great man makes official position and money and houses and estates look so tawdry, so mean and poor, that we feel like sinking out of sight with our cheap laurels and our gold.

One of the great lessons to teach in this century of sharp competition and the survival of the fittest is how to be rich without money and to learn how to live without success according to the popular standard.

In the poem, "The Changed Cross," a weary woman is represented as dreaming that she was led to a place where many crosses lay, crosses of divers shapes and sizes. The most beautiful one was set in jewels of gold. It was so tiny and exquisite that she changed her own plain cross for it, thinking she was fortunate in finding one so much lighter and lovelier. But soon her back began to ache under the glittering burden, and she changed it for another, very beautiful and entwined with flowers. But she soon found that underneath the flowers were piercing thorns which tore her flesh. At last she came to a very plain cross without jewels, without carving, and with only the word, "Love," inscribed upon it. She took this one up and it proved the easiest and best of all. She was amazed, however, to find that it was her old cross which she had discarded.

It is easy to see the jewels and the flowers in other people's crosses, but the thorns and heavy weight are known only to the bearers. How easy other people's burdens seem to us compared with our own! We do not realize the secret burdens which almost crush the heart, nor the years of weary waiting for delayed success—the aching hearts longing for sympathy, the hidden poverty, the suppressed emotion in other lives.

William Pitt, the Great Commoner, considered money as dirt beneath his feet compared with the public interest and public esteem. His hands were clean.

The object for which we strive tells the story of our lives. Men and women should be judged by the happiness they create in those around them. Noble deeds always enrich, but millions of mere dollars may impoverish.Character is perpetual wealth, and by the side of him who possesses it the millionaire who has it not seems a pauper.

Invest in yourself, and you will never be poor. Floods can not carry your wealth away, fire can not burn it, rust can not consume it.

"If a man empties his purse into his head," says Franklin, "no man can take it from him. An investment in knowledge always pays the best interest."

Howe'er it be, it seems to me,'Tis only noble to be good.Kind hearts are more than coronets,And simple faith than Norman blood.TENNYSON.


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