appearance is sufficient for one starting out, and that a few years
hence when he has established for himself a lucrative business with a
reputation for honesty and business integrity, there will be no
likelihood of any one ever reminding him of his former humble
circumstances.

He should never attempt to mingle in a social way with those whose
financial standing and expensive habits of living far exceed his own.
While he should cultivate the acquaintance of business men of the
highest standing, it should only be done in a business way.

When his business shows an increase of profits, he should improve in his
mode of living, as a matter of social advancement.

The young man as a beginner should avoid stingy and penurious methods.
This is as often an acquired habit as it is a natural one, and will
always work more or less detrimental to a business. No man can afford to
be close and trifling in his deal. It not only belittles him in the eyes
of the world, but he very soon recognizes in himself a person of narrow
ideas; and the man with a poor opinion of himself will surely not prove
a success in the business world. While I believe in judicious economy, I
despise penuriousness.

If a man has but a dollar to spend, I believe he should spend it in as
princely a style as though he had a million left. But if he hasn't the
dollar to spare, he should make no pretensions whatever.

Opportunity has no doubt frequently played a large part in man's
success. In my opinion, however, the most acceptable theory in the
science of commercial success is that every man takes his own.

That is, the man who is the most sagacious and energetic will never lose
a chance to take advantage of opportunities, and there is no doubt that
what many complain of as being ill luck, is simply the result of their
failure to grasp the situation that a shrewder man would have taken
advantage of and thereby gained success.

The average young man in starting out usually endeavors to form a
co-partnership with his best friend or nearest neighbor, regardless of
capital or ability, the result of which is, that each will depend on the
other to make the business a success, and neither will be likely to
develop his fullest capacity for doing business.

The man who has force of character enough to assert his own rights and
to carry out his own independent thoughts will usually be the most
successful without a partner.

The old adage, "A rolling stone gather