Dollars and Sense | Page 4

get closer to the small
growing creditor than you can to the big fellow who is independent.
The big bank is cold blooded. It insists upon security and collateral.
Your account in a big bank is only an incidental detail, and the cashier
is cold and distant and blunt.
The small bank, however, gives you more time and attention, is more
interested in you and can remember you much better than the big bank.
Avoid bad associates. You can't play the races and give wine dinners
and maintain strong confidence with your creditors.
You must be worthy of the confidence reposed in you. It is your duty
and part of the contract to be reliable and truthful.
Every time a creditor gets out of sorts go to him and pay him something,
and he will quiet down.
Be grateful. Don't be afraid to express yourself freely and frequently on
this point.
When you are caught up and financially strong stick to those who stuck
by you.
Remember, credit is based on confidence in the individual rather than
in his bank account.
Don't get into nasty arguments or disputes. Give and take. Be fair. Be
square. Keep your temper. Stoop to conquer. Cut out all thoughts of
revenge.
When a house does not treat you right, curb your temper, and, as soon

as you can, get in touch with some other good house. Tell the new
house frankly why you changed.
Credit is a subsidy, and it stands the hustling business man in good
stead.
Many men have started in business with a capital only of ability, hard
work, honesty and good reputation.
The use or abuse of credit determines whether a man will rise or fall.
Keep your record clean, and if later you get on the shoals your past will
stand you in good stead.
If you have been given to sharp practice or dishonesty, woe be unto you
when you fall.
Remember these things carefully. Keep in personal touch with your
creditors, keep your promises, pay on account when you cannot pay in
full, hustle, be honest, keep good company, don't gamble, don't be a
sport. If you practice these virtues, offers of aid will come to you rather
than flee from you.

Never Quit Work
The average young man makes up his mind that at fifty or sixty years
of age he will retire and take things easy for the rest of his days. The
average young man makes a great mistake. It is far better to wear out
than to rust out.
To the young man work is a drudge, a necessity to keep him alive. In
middle age work is an accepted thing and we are used to it, and feel
rather the better for having occupation.
In old age work is a necessity to keep the mind and body young.
There is scarcely a more miserable spectacle than the man of fifty or

sixty who has retired with ample fortune. He loafs around the house.
Goes from one club to another. Gets lonely. Feels blue.
He tries to kill time in the day looking forward to the meeting of his
cronies in the evening. The cronies are busy in the day time and they
have engagements and pleasures in the evening, so that our retired
friend seems to be in the way.
He finds that the anticipation of retirement was a pleasure, and that the
realization is a keen disappointment.
"There is nothing," says Carnegie, "absolutely nothing in money
beyond a competence."
When one has enough money to buy things for the home, for his family
comfort and enjoyment, when he has sufficient income to take care of
himself and his family, surplus dollars do not mean much.
The business man should prepare for his future so that if ill health
overtakes him he may have the where-with to surround himself with
comforts, travel and the best of care.
The man who enjoys pleasures of the home and friends, who trains up
young blood to take hold of the business, who travels and enjoys
himself as he goes along has the right idea.
We must learn to enjoy life now instead of waiting for tomorrow, for
tomorrow may never come.
The man who cashes in, puts his money in bonds and retires from all
work goes down hill quickly, and feels he is of no use in the world.
The farmer who moves in town to live on his income is a sorry
individual unless he has a garden and chickens, or buys and sells farms,
or occupies his time with work of some kind.
The retired, non-working farmer who has moved to town gets up in the
morning, goes to see the train come in, whittles a stick, loafs at the

hotel or store, goes