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wrong. The successful millionaires are those who start poor and have built up their fortunes, step by step, until they have reached the top rung of how they came into possession of so much money, the financial ladder by hard work. They know and also know how to take care of it.

In the alley back of my stable, commencing at four o'clock in the morning, during the summer season, you will see men and boys carrying bags, pushing carts, going through the garbage boxes, picking over what is thrown out; then followed every hour during the day by the men on wagons. After everything has been picked over and selected, the city cinder and garbage men haul the rest to the public dump. There the city receives $75,000 per year from one firm for the exclusive privilege of picking it over. And there has been complaint that they are selling it too cheap, as New York City received one million dollars per year for the same privilege. It is astonishing how much is wasted and thrown out in a large city.

At the commencement of this chapter I promised to inform you how to make money, and I will now add that it is not what you make but what you save and take care of that makes you comfortable and happy. Supposing you were going to make an ocean voyage, to be gone, say, thirty days, and the chef or cook purchased just enough provisions to last one month. You, not being aware of this, eat up and waste everything in store in the first two weeks—how do you suppose you would fare during the balance of your trip? Now, if it requires that much care and caution for a thirty days' outing, what provision would you make for a SEVENTY-YEAR TRAMP? Do not figure on the sun shining all the time. You must also figure on wearing rubbers and carrying umbrellas. You say, you want to live while you live. So do I, but let us live within our means and spend only our own money.

If after reading this chapter and the balance of this book you still insist upon eating up, drinking up, smoking up, wearing and wasting every dollar you make during your palmy days, and when your earning powers have ceased and you are passed by younger men in this wild race for money and can earn only half a loaf or even stale bread in your old age when you should be enjoying the best there is, don't kick and find fault with this cold world. Take your medicine, although bitter, like a man. Say to yourself, I have had my good time. I have squandered my money as fast as I have made it and now I am willing to finish up with the husks and the culls left in the field. “FOR AGE AND WANT, SAVE WHILE YOU

MAY; NO MORNING SUN LASTS THE WHOLE

DAY."

THE VALUE OF A PENNY.

The city of Detroit, Michigan, has a man who conducts a large retail bakery and confectionery, who each day, just before the close of the bank where he keeps his account, makes his regular deposit. One day he was informed by the receiving teller that a rule had been adopted against receiving pennies from depositors. He then called on the cashier of the bank to inform him that whoever took his pennies would also get the balance of his account, as a great amount of his collections came in the form of coppers. But the cashier was firm in his decision, declaring that pennies were a nuisance and that the bank had no use for them. The baker called on several other banks and found that the rule had been universally adopted. He returned to his store with his pennies and telephoned for a tinsmith. When he arrived, the baker ordered a tube connecting the cashier's desk with a large empty hogshead which stood in the cellar. After it had been completed he instructed his cashier to deposit all pennies which came into her hand into the mouth of the tube, which soon found their way into the empty barrel. A week or ten days later he noticed that the daily papers had complained about a shortage of pennies in Detroit and that one of the banks had been obliged to send away to Washington for a fresh supply. Each day as the baker called at the bank with his deposit he inquired as to the penny market and learned that the banks would now very willingly receive every one which he took in. All this time they kept finding their way into the HUNGRY HOGSHEAD. Four or six weeks rolled around, and he learned that the banks were paying a premium of five per cent on pennies and were very anxious to get them at that figure. He then made a contract with his banker to take all his penny stock on hand at a premium of FIVE PER CENT. The banker gave his porter a sack and instructed him to go over to the baker's and bring him the pennies. When the porter arrived, he telephoned for a man and an express wagon. In breaking open the hogshead he found it over half full of those welcome coins, which, when shoveled out, FILLED THREE BARRELS. The banker was greatly surprised. The task of counting proved to be slow and tedious, so the pennies were placed upon a scale and weighed. It was found that they amounted to over $5,000, and the premium for the baker, besides the face value, was TWO HUNDRED AND FIFTY DOLLARS.

It will be well for most people to read this chapter twice, and some, several times.

OPPORTUNITY.

“Master of human destinies am I.

Fame, love and fortune on my footsteps wait;

Cities and fields I walk; I penetrate Deserts and seas remote, and, passing by

Hovel and mart and palace, soon or late

I knock, unbidden, once at every gate. If sleeping, wake. If feasting, rise before

I turn away. It is the hour of fate,

And they who follow me reach every state Mortals desire, and conquer every foe

Save death; but those who doubt or hesitate, Condemned to failure, penury and woe,

Seek me in vain and uselessly implore.
I answer not, and return no more.”

-By John J. Ingalls.

ADVICE.

After carrying a wet umbrella, do not leave it open to dry, stretching the cloth and bending the bows, nor set it upside down, allowing the water to remain at the bottom, rusting out the wire and points of the ribs, but set it in one corner, handle down, and the rain will run off naturally and away from the wires, permitting them to dry out. By so doing your umbrella will last twice as long. This advice is worth the price of the book.

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