would be comparatively easy, others will control you, and you will do without in bitterness of spirit when you are old and the chance to save and build up independence will have gone by.

There isn't a young man in good health with an average small income who could not, if he would, make himself an independent man able to laugh at the terrors of old age and poverty.

What you save in money will help you, what you save in strength, in nervous force, in sleep, in good digestion, will help you more. What you gain in strength of character and self-control will help you most of all.

Don't pay any attention to what others are doing. Because the fool next you squanders, don't think that you have an excuse for squandering.

If you were in China the fool near you might be smoking opium and making his ultimate ruin certain. But you wouldn't offer him as an excuse for opium smoking.

If you lived among Eskimos you would be surrounded by creatures going months without a change of clothing and years without a bath-but you wouldn't consider that a reason for your being filthy.

If you lived among savages and saw the fashionable young men of the tribe slitting their cheeks and rubbing in pigments, or thrusting bone ornaments through their noses, you would not do the same to yourself and offer fashion as an excuse.

Don't make fashion or custom in this foolish civiliza tion an excuse for imitating the foolishness of those about you.

with need of all resources, mental, physical and financial. Realize, as you must do if your mind is clear, that the only necessary thing for you is to do day after day the things that you know you ought to do, and not to do things that you know you ought not to do. You do not need to be told-you know what you need to do. Do it.

If you have ten dollars a week only and are careful, you will live to be envied by the man whose big income you envy now-if that man is foolish and extravagant. In the long run a leaky tub will be empty.

And in the long run a wasteful man will be poor. And a poor old age is dreadful and sad. Friends fall away and forget you. Life gets harder as the months and years go by. The body must be kept alive somehow, for the instinct of self-preservation is our master and we struggle on in weakness and sorrow to the bitter end.

The salvation of a traveler in a fever country is his supply of quinine pills that will fight the fever that enters his blood.

If you saw a man traveling in such a country scattering those precious pills to the birds and plunging on to certain destruction, how would you describe his folly?

How can you describe the folly of an individual who scatters, in youth, the money, the strength, the will that might have made that youth glorious and old age dignified, independent and honorable?

vanities and weaknesses, not at the expense of those that have a right to look to you for help.

No man ever became a failure through doing too much for others.

For the chief gain in saving is the gain in character. And he who spends for others unselfishly gains more by far than he who selfishly saves.

If you want to know how difficult thought is, try to put one real thought on paper every day-then ask your friends whether it is really a thought, or only an exclamation.

The greatest teacher can put nothing in. Wise teaching brings that which is useful out.

Watch, for you know not when opportunity will come. In fact, it is here now, all around, for those that can see it.

The possession of gold is a mere fetich. It means nothing, gold is only a token. On a desert island after ten days Mr. Rockefeller would give all his gold for one ham sandwich.

To be seen, climb on a high place.

To be heard, make yourself somebody, then people will listen.

Do You Wear?

Every man, like many horses, has a pair of some sort. "Get rid of them" is good advice, but not so easily followed.

THE horse wears blinders, and the horse is the stupidest animal-more stupid even than the pig, according to a great French animal trainer.

The horse must wear blinders in order that he may not see things around him. His business is to go ahead in a straight line until a tug at his mouth changes the direction. Therefore we fix him up so that he can only see in a straight line.

Sitting behind the horse you behold beauty or things of interest on all sides. Over there the calf kicks up his heels and bucks his mother; yonder a great tree rises toward the clouds, and, farther still, the steam cars remind you that you can go to town if you will.

But the horse must not, and does not, see these things. He has to be grateful for even a small piece of paper to shy at. The big things, the exciting things, that would make him run away and get his name in the papers, are shut out from him.

No wonder he is the stupidest animal.

But blinders made of leather, with monogram neatly engraved, are not the only blinders.

There are as many kinds of blinders in the mental world as there are different kinds of men.

blinders forced upon him. He always resists mildly when the bridle is pushed over his ears.

We human beings make our own blinders, fit them to our eyes, and either glory in them or ignore the fact that they are there.

It is a fact that each one of us carries around in his mentality some set of prejudices, preconceived opinions that act as blinders to the intellect and effectually shut out the truth.

These blinder-prejudices are of all kinds.

Many of us are born with them.

The man born rich, or made rich, often thinks the poorer man is necessarily evil and inferior. He has mental blinders that should be at work keeping some donkey in the narrow path.

The poor man often wears a permanent delusion which tells him that all rich men are bad and aching for his heart's blood. That set of blinders makes it impossible for him to reason sensibly or to work intelligently at the improvement of his class.

Poor women-let us always speak kindly of themwalk around in their millions with blinders labeled "conventionality." They would as willingly get out of life as get out of style. They look straight ahead at the hat of the woman in front of them, and that hat they will have, though the heavens fall or the husband fail. And as in clothes so in other things women stick to conventionality, and will not even look at truth if it wears an unfamiliar face. (That is partly due to woman's mistrust of what is new, while caring for