man glories with you, and has a distinct interest in
your success when it comes.

It often happens that the small bank or small manufacturer is the best
place for the beginner to go for credit. You can 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