The real comforts of life cost but a small portion of what most of us can earn.

Prosperity is a more severe ordeal than adversity, especially sudden prosperity.

The eye of an employer is often worth more than the hands of a dozen employees.

Ambition, energy, industry, perseverance, are indispensable requisites for success in business.

The foundation of success in life is good health; that is the substratum of fortune; it is also the basis of happi

ness.

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 form them into a book and mark down every item of expenditure. Post it every day or week in two columns, one headed "Necessities," or even "Comforts," and the other "Luxuries," and you will find that the latter column will be double, treble and frequently ten times greater than the former.

JOHN MCDONOGH.

John McDonogh, of New Orleans, the philanthropist, who left the greater part of his immense fortune to the cities of New Orleans and Baltimore to establish schools for the education of practical mechanics, directed that the following fourteen rules be inscribed upon his monument. These fourteen are the rules by which he was guided in life, and according to which he conducted his business.

Never spend but to produce.

Never covet what is not your own.

Never bid another to do what you can do yourself. Do unto all men as you would be done by. Never put off until tomorrow what you can do today.

Never think any matter so trifling as not to deserve notice.

Never give out that which does not first come in.

Labor, then, to the last moment of your existence. Study in your course of life to do the greatest amount of good.

Let the greatest order regulate the transactions of your life.

Remember always that labor is one of the conditions of an existence.

Time is gold; throw not one minute away, but place each one to account.

Deprive yourself of nothing necessary to your comfort, but live in an honorable simplicity and frugality.

Pursue strictly the above rules, and the Divine blessing and riches of every kind will flow upon you to your heart's content; but, first of all, remember that the chief and great study of our life should be to attend, by all the means in our power, to the honor and glory of our Divine Creator. The conclusion to which I have arrived is that without temperance there is no health; without virtue, no order; without religion, no happiness; and that the aim of our being is to live wisely, soberly and righteously.

CHARLES WILLIAM ELIOT,

President of Harvard University.

The following sociological epigrams of President Eliot are given in the form and order in which they are found in the issue of Success for March, 1904.

Luxury and learning are ill bedfellows.

Revelation, like creation, must be fluent.

The satisfactions of normal married life do not decline but mount.

Truth and right are above utility in all realms of thought and action.

Inherited wealth is an unmitigated curse when divorced from culture.

To be of service is a solid foundation for contentment in this world.

The civilization of a people may be inferred from the variety of its tools.

Toleration in religion is absolutely the best fruit of all the struggles, labors and sorrows of the civilized nations during the last four centuries.

In the modern world the intelligence of public opinion is an indispensable condition of social progress.

H. H. VREELAND,

President of the Metropolitan Railway of New York.
There are no elevators in the house of success.
No man can stand on top because he is put there.

A man can be too confiding in others, but never too confident in himself.

A bad man with good manners often outdoes a good man with bad manners.

Clothes don't make the man, but good clothes have got many a man a good job.

Many a hero of the world sees a no-account" every time he looks in the mirror.

A college education is a good thing, but many a graduate finds himself overtrained.

The man who talks business at home is in danger of getting well-meant but risky advice.

If you have twenty-five dollars, and want a job, it is better to spend twenty for clothes, four dollars for shoes, and the rest for a shave, a hair-cut and a clean collar, and walk to the place, than go with the money in the pockets of a dingy suit.

ALFRED H. SMITH,

General Manager of the New York Central Railway System.

Live within your income.

Do not be afraid to work overtime.

Do today's work so well that no one can find a flaw in it.

Look out for your employer's interest first and always. Don't work with one eye on the clock for closing time. Have your rightful ambitions, but work as if today's efforts meant everything.

A man, to be valuable to his employer, must have ideas; he must be able to think beyond the rules of the office or precedents, and be able to show that he has taken into his heart the solving successfully of the business problem with which he is engaged.

STEVEN ALLEN.

Steven Allen, of New York City, carried these Rules of Conduct in his pocketbook. An injunction connected with them said: "Read these rules at least once a week."

Never be idle.

Make few promises.
Always speak the truth.
Never speak ill of anyone.
Keep good company or none.
Live up to your engagements.
Be just before you are generous.
Earn money before you spend it.
Drink no kind of intoxicating drinks.
Good character is above all things else.
Keep your own secrets if you have any.
Never borrow if you can possibly avoid it.
Never play at any kind of games of chance.
Keep your promises if you would be happy.
Make no haste to be rich, if you would prosper.
When you speak to a person, look him in the face.
Save when you are young, to spend when you are old.