ested at the age of twenty, will have
accumulated at the age of sixty, about sixteen dollars, whereas the
dollar invested in like manner at the age of thirty will have
accumulated at the age of sixty only about eight dollars.

The most important thing to be attained, while striving for true and
successful aspirations, will be an established record, which is worth
far more than wealth. A young man with a record is a graduate of
practical training and is sought for everywhere. There is plenty of
room at the top. The demand is growing, even in these stringent times.

These self-made young men and young women are not as a rule among our
so-called society people. Society encourages extravagance and
dissipation, and that means ruin, more or less, sooner or later,
morally, physically and financially.

When a young couple start out in life together and they do really love
each other sincerely, there is one other thing, next to good health,
that is necessary in carrying responsibilities for a continuously happy
life, and that is good financiering. Without that quality, love will
soon fade away and disagreements follow.

What causes so many divorce suits? Bad financiering. Some of bur best
and brightest citizens are among our most inefficient managers, and
consequently have difficulties to battle with during life.

Therefore good management and saving qualities, together with good
character, are the essential points to be observed by young men and
women, equally well by husband and wife, in order to maintain
prosperity and contentment.

November, 1893.

Financiering

It is a question not so important how to save, as how to promote the
growth of your savings.

It is sometimes an easy matter to know how to make money, but knowing
how to keep it and especially how to place it where it will earn the
most, consistent with its safe keeping, is a matter that needs careful
consideration.

How many a hard-earned dollar finds its way into some visionary scheme;
is invested in some fictitious, widely advertised enterprise, with
agents on every hand offering glaring profits.

Beware of such financiering. Did you ever hear any of our old
successful financiers diverting their idle surplus into those
investments where almost unlimited profits are assured?

The successful accumulator is not willing to take such chances. They
look too flattering.

You cannot and should not expect something for nothing. Seek the