as there are few such
individuals these individuals stand out as marked successes.

The manager of one of the biggest breweries in the United States has
not tasted liquor of any kind in the last twenty years. Surely this man
shows his courage, for his action in face of his occupation is a
supreme test of backbone and ability to say No.

The embezzler does not start out to do wrong. Some friends want to
borrow money or someone needs financial aid temporarily, and, either at
the request of friends or because the individual has something he
wishes to purchase and has not the patience to wait, he borrows from
the firm by means of "the ticket in the drawer" plan. He repeats the
operation frequently until his conscience is dulled, and he gets the
habit. Some day he wakes up to find he has several tickets in the
drawer, and resorts to extreme measures, trying to beat the races, or
to win money by gambling on stocks or grain.

One day he finds he is in a dickens of a fix. He sees no way out of it.
He takes more money and skips out, only to be caught later on and made
to suffer, and all this because he could not say No to temptation.

Learn to say No. Set your jaws firmly and say No. The friends who go
back on you and criticize you for saying No to the things that are
hurtful to you are unworthy of the name of friends, and you can very
well get along without them.

Friends who ask you to do the things you should not do are the very
ones who are of no service to you in time of need.

The individual who says No regardless of the flings and taunts that are
cast at him is the one who eventually makes a success.

Character counts above all things in the business world. The banker
extends credit on character oftener than we imagine. The banker knows
how to say No.

A man's credit and character are most important factors in business,
and many a man without security has attained magnificent success
through untiring energy, ability, character and courage enough to say
No.

In proportion as you grow strong and unhesitating in saying No, the
temptations and opportunities to say Yes will lessen in number.

Exercise your back bone and your jaw bone, so you can say No and stick
to it.

Credit

No factor is so necessary in building up business as credit, and no
factor is so necessary in building up credit as truth.

It is comparatively easy to start credit, but the art is to keep
credit.

The young business man who s