Dollars and Sense | Page 4

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 to the next train, talks of his rheumatism, goes to bed at eight o'clock, and the next day goes through the same rigmarole.
We have all seen these old codgers who have retired. They are not happy because they have quit their life's habit of work, and are rusting out.
Occupation is the plan of nature to keep man happy, so when you have all the money you need, have some occupation or hobby to occupy your time.
The man who retires from any active work is merely counting the days until he dies.
When old age comes and your body or brain won't let you do or care for as much as you could in your younger days, then get lighter work or lighter cares.
Keep busy if it is