<SPAN name="CHAPTER_XI"></SPAN><h3>CHAPTER XI</h3>
<h4>SELF-EDUCATION BY GOOD READING</h4>
<br/>
<p>The character of a man expresses itself by the books he reads. Every
well-informed man since the invention of printing has been a close
reader of a few books that stand out from among the many. We read of
Lincoln devouring the few books he had, over and over again and studying
from cover to cover and word for word the Webster's dictionary of his
day. We know that Grant had his favorite volumes from which he drew
inspiration and solace. These men made eternal friends of certain great
thinkers and drank in their learning with all the fervor of their
natures.</p>
<div class="poem"><div class="stanza">
<span>"A few good books, digested well, do feed<br/></span>
<span>The mind."<br/></span></div>
</div>
<p>"Feed the mind!" That's the idea—<i>but how shall we feed it?</i> The answer
is easy—with something <i>worth while</i>—something that will inform and
inspire. We can cram our minds to the point of indigestion with useless,
frivolous information just as easily as we may cram our stomachs with
certain foods that tear down rather than build up. The habit of reading
the right sort of books should begin early in life and continue
throughout our days.</p>
<p>Good books are real ... and as we read we feel, hear, see and understand
in the way the author did. If what is said appeals to our way of
thinking <i>a new world</i> is unfolded to our vision filled to the brim with
things we can think about and add to our stock of knowledge. While we
are buried in its leaves we may live over the thoughts that the writer
lived. For the time being he becomes as real and vital to us as the
dearest friend we possess. Gradually, as the time passes by, he creeps
into our affections until our lives would not be complete without the
comradeship of his cherished book.</p>
<p>Books that become our "pals" are not necessarily books of the so-called
classical type. Little known volumes may prove to have enough thought
stored away between their covers to keep us interested all our days. The
great books will prove their worth in a short time no matter how poor
the binding, how bad the type or how cheap the paper. These things are
after all only the outward manifestations and though we like to see our
friends dressed well yet we know that the clothes do not make character
unless there is character there in the first place. And so it is with
books. These little ungainly volumes which we purchase on the stands may
be the classics of tomorrow ... who knows?</p>
<p>We select our library carefully. No matter if we live in a tiny hall
bedroom on the top floor of a boarding house we have a shelf somewhere
with a few good books on it. Emerson's "Essays" can be had in one volume
and are well worth having. No other American writer has been so
inspiring, so invigorating as this thinker of Concord. One cannot read
his essays without having a desire to <i>get up and do</i>. It is like a
breath of fresh air ... a tonic ... a stiff morning walk. It stirs the
mind to action and inspires us to lift ourselves out of the rut into
which we have fallen. One returns to them time after time, each reading
opening up new vistas of thought, new lines of mental development.</p>
<SPAN name="image_10"></SPAN>
<center>
<ANTIMG src="images/image-10.jpg" width-obs="600" height-obs="463" alt="A Scene from "His Picture in the Papers"" title="">
</center>
<p><i>As a man's stomach is what he eats, a man's mind is what he reads.</i> It
goes without saying that no healthy, active mind could exist without the
companionship of Shakespeare. Nowadays it is possible to secure the
entire works of the immortal poet in one volume. There is a special
Oxford University edition which can be had for a small sum. The type is
large, the paper good and there are many notes to help one over the
rocky places. There is no doubt of the truth of the saying that a man
who reads Shakespeare consistently and with understanding needs no other
education. Like the philosopher Emerson he boiled down the world's
thoughts into terse sentences and one goes into a new universe when
reading any of the plays. It is a good thing to learn parts of them by
heart so that we can apply them to our own lives. They strengthen the
mind ... their beauty lifts us into a great realism of splendid thought
... and they fill the heart with a longing to do something great. Such
books should become steady companions through life. No matter where our
duties call us we should see to it that we do not leave behind the
thoughts of this master mind of Shakespeare. The very fact that we have
them near us lifts us out of the monotony of nothing to do.</p>
<p>Among the books about America for Americans perhaps Roosevelt's "Winning
of the West" is among the best. Not only has he thrown the whole vigor
of his interesting personality into the writing of it, but he has given
us a vivid picture of the conquest of the States by the settlers. No man
could read it without being thrilled at the dangers our forefathers
faced ... at the great courage they possessed ... at their hardihood ...
their bulldog tenacity. The reading of such a book is like going back
over the years and living with them, sharing their troubles and their
enthusiasms. The man who contemplates gathering a small library could
not afford to do without the inspiration of what his countrymen have
done for him.</p>
<p>In choosing our books we must bear in mind one thing—<i>let them be
inspiring</i>. Let them be of such a nature that when we read them we will
feel like going out into the world to accomplish something <i>big!</i></p>
<p>That is probably the mission of great books—to inspire and uplift. The
world's greatest men have been readers—would they have cared for books
unless they were inspiring? It is said that when Napoleon was being
taken to St. Helena he advised one of the officers never to stop
reading.</p>
<p>Most of the things worth while are at some time or other stored away in
books by the thinkers. Every phase of history, every movement to better
mankind and lift it above the drudgery of mere toil, every beautiful
thought is to be found in them and the better the book the more will be
found in it of these very things. When we have finished the day's work
we can pull down a volume from the shelf and in a moment be lost in an
entirely different world. The man who neglects to read surely misses the
one best means of broadening his mind.</p>
<p>All books of the better class furnish food for thought and are excellent
tools for the man of initiative. To read means keeping in touch with the
big visions. We cherish these dreams and make them real in plans of our
own. Aspiration is behind the pages of every worth-while volume. It was
the motive power which drove the author to produce it and it should
become a part of the forces which drive us on to victory. Without such
inspiration we grope as children in the dark. We are without a light to
guide us on our way.</p>
<p>Books by such men as Marden and Hubbard are great generators of the
electricity of doing things. They have put into words those innermost
emotions which are the instruments of success. They point out a way we
may safely follow. They loan us inspiration which causes us to act for
ourselves. They give us thoughts that are useful and practical which we
never would have gained by virtue of our own reasoning power. They made
it a life work to coin into phrases words that inspire. Out of their
large experience came the logical sequences of cause and effect. Not to
profit by their teachings is a crime against our own prospects—without
them we lag behind. Instead of progressing we look on in wonder at what
is going on in the world. Somehow we cannot connect ourselves with the
big enterprises. And all because we failed to feed our minds properly.</p>
<p>There is much to be gained both in pleasure and knowledge by reading
historical novels, and the lives of great men. The books of Sir Walter
Scott and James Fenimore Cooper are rated among the best in the world.
Grant's autobiography and the personal stories of other famous Americans
provide fascinating material with which to establish and fortify our
test for good literature. The tales of modern American financiers is
another field of absorbing interest.</p>
<p>The man with small means can provide himself with a working library for
a very little money. Books are cheap. The public library is always
nearby and there is hardly a town of any size but what has one. When we
purchase a book we should be sure to obtain the best edition and be
careful that it is printed from good type and on clear paper. Books are
likely to become warm friends. We should never purchase an abridged
edition.</p>
<p>Binding is not such an important factor, although we like to have <i>our
favorite books</i> put up in a handsome fashion. With Shakespeare, Emerson,
Roosevelt, Scott, Cooper, Marden and Hubbard one would have quite a
representative collection for a start. It would be easy to expand the
list into many more. Of course, those collecting a small library who
have a specialty, will want books dealing with the subjects in which
they are interested. However, every practical library includes books of
inspirational character, and if one makes a study of the books written
by great authors it will be found that all of them profited by the
reading of books which caused them to think. <i>The Bible causes us to
think!—and no library is complete without it.</i></p>
<br/>
<SPAN name="CHAPTER_XII"></SPAN><h3>CHAPTER XII</h3>
<h4>PHYSICAL AND MENTAL PREPAREDNESS</h4>
<br/>
<p>It is not the object of this chapter to deal with a set course of
physical culture, but rather to emphasize the necessity of keeping our
physical house in order. There are plenty of books on physical culture
which can be relied upon and also any number of physical instructors who
are able to advise and help along a set program. There are hundreds of
places, institutions, clubs, Y.M.C.A.'s, and the like, which provide
gymnasiums and every other facility for those who determine to build
themselves up through consistent physical exercise. That is all very
well to begin with, but afterward we must have some simple methods of
our own which will not make it a hardship or a chore to keep ourselves
in trim—<i>a state of physical preparedness</i>. It should become a part of
our daily scheme to obey certain, simple rules which tend toward an
<i>automatic effort</i> instead of a discipline, and we should persevere in
these until they become <i>fixed habits</i>.</p>
<p>It is no trouble at all to take exercise unconsciously, and we only
arrive at this by turning into an exercise any of our ordinary physical
actions during the day as we go along. For instance, we can sit down in
a chair and in so doing can add a certain amount of exercise to the
action itself—also in rising. With very little effort we can come into
the habit of sitting correctly—posing the body as it should be—holding
the shoulders in proper position—also the chin so that it becomes a
hardship to sit improperly.</p>
<p>All of this has to do with <i>general physique</i>. In walking we can go
along with a spring, elasticity, and vigor of motion which forces a fine
blood circulation throughout the entire system. We can stoop over in the
act of picking up some object from the floor and at the same time make
it a matter of physical exercise, and we may take a hat from the rack
while standing away from it, thus stretching ourselves, as it were,
into a little needful action. Putting on an overcoat, or any part of our
clothing, may be done in such a way as to set the blood to racing
through the body. Morning and night—upon getting up and upon
retiring—there is every reason to make it a rule to exercise freely.</p>
<p>The morning exercise wakes us up and sits us down finally at the
breakfast table with a zest for the food set before us. The morning bath
is an agency for good in this direction after we have given ourselves a
good shake-up from head to foot. By the same token, exercises at night
before retiring induces sound sleep and takes away the strain of the
preceding day.</p>
<p>A very successful system is that of exercising in bed. Instead of
immediately jumping to the floor in the morning it is very inviting to
go through some simple form of gymnastics in which the physical
structure is brought into play.</p>
<p>Physical exercise is something which can be carried to extremes. We can
go at the work so intensely that we become muscle-bound and develop some
structural enlargements that we do not need. This happens very often
among athletes. The ordinary man should fight shy of such plans.
Superfluous strength is only for those who have need of it. What we
really want is strength enough to carry us through our daily rounds with
comfort and <i>a feeling of efficiency</i>.</p>
<p>In a sense we all live by our wits and these decline when not properly
fed by our general physical organization. Prize fighters are not the
longest lived people, nor are the professional athletes. Their calling
requires extra building up which would be a positive handicap to the
average man whose manner of life doesn't require this super-development.
In other words, there are intemperate methods of exercising just as
there are of eating and drinking. We may easily go too far. Again, we
can sin just as greatly by not going far enough. There was a time when
men of forty were as worn and old as men of sixty-five and seventy are
today. As a matter of fact, nowadays a half-century mark is no longer a
badge of senility when a man has kept himself fit and treated himself
right.</p>
<p>We all have friends who are pretty well along in years by virtue of
their carefully planned physical training, plus their <i>cheerful
dispositions</i>. They are as sprightly and companionable as though they
were many years younger. We should come to know early in life what a
large part <i>good humor</i> plays in <i>physical fitness</i>. In previous
chapters hearty laughter was extolled as one of the very best of
exercises. It is an organizer in itself and opens up the heart and lungs
as nothing else will do. It makes the blood go galloping all through the
system. It is one of the best automatic <i>blood circulators</i> in the
business.</p>
<p>Laughter takes the stress off of the mind, and whatever is ahead of us
for the day that seems likely to become a burden is soon turned into an
ordinary circumstance. We smile as we go about doing it.</p>
<p>A friend once said to a banker:</p>
<p>"How do you know when to lend money?"</p>
<p>The banker replied:</p>
<p>"I look a man in the eye and then <i>I do or I don't</i>."</p>
<p>The friend said:</p>
<p>"I would like to borrow ten thousand dollars—now!"</p>
<p>"You shall have it, Sir," the banker replied.</p>
<p>This meant that the man who asked for the loan was in a state of
physical and mental preparedness. If he had gone into the banker's
office looking like an animated tombstone he wouldn't have had much of a
chance to borrow the ten thousand. It goes without saying that the
open-faced, hearty fellow inspires confidence. There is nothing coming
to the dried-up, sour chap, and that's what he usually gets. And what we
get is largely a matter of our physical well being. A modern philosopher
observed that "the blues are the product of bad livers"—and there is no
doubt but that he was right.</p>
<p>The problem of life is to fill our days with sunshine. In so doing we
shall find that the "little graces" are those which will lend us the
most help. Tiny favors extended, words of encouragement, courtesies of
all sorts, unselfish work carried out in an open manner, true
friendships and love, a hearty laugh, a sincere appreciation of the
other fellow's struggle to keep his head above water, the conscientious
carrying out of all tasks assigned us—these are our helpmates and they
are the products of our physical and mental equipment. Through these we
come into our knack of detecting friends among those who are <i>the salt
of the earth</i>.</p>
<p>It is impossible for the person who desires good health to obtain it, or
having it, to retain it, without consistent effort. A watch will not run
without the proper regulation of the mainspring. We must keep up our
activities. We have taken the earth and are turning it into something to
serve us—therefore the need of fine bodily preparedness. Nothing can
take the place of achievement and it comes through physical and mental
efficiency. The one must not be neglected for the other; both must be
cultivated and developed alike in order that each may help the other.</p>
<p>Happiness comes only to those who take care of themselves. It is the
natural product of <i>clean-mindedness</i>. No pleasure can surpass that of a
conscious feeling of our strength of character. It is an all important
element in men who aspire to succeed. The man who rises in the morning
from a healthy slumber and plunges into the bath after some vigorous
exercise is prepared to undertake anything. His world seems fair, and
though the sun may not be shining literally, it is to all intents and
purposes. Thus, we go swinging along with a cheery smile, carrying the
message of hope and joy to all those with whom we come in contact. Oh!
it's fine to be physically and mentally fit!</p>
<br/>
<SPAN name="CHAPTER_XIII"></SPAN><h3>CHAPTER XIII</h3>
<h4>SELF-INDULGENCE AND FAILURE</h4>
<br/>
<p>The correct definition of self-indulgence is <i>failure</i>—because
self-indulgence is comprised of an aggregation of vices, large and
small, and failure is the logical sequence thereof. Even the habit of
eating may be cultivated into a vice. Indeed, there are those who gorge
without restraint, which in itself is unchaste and immoral. We've often
seen them as, with napkin under foot or tucked under the collar, they
eat their way through mountains of food and wash it down as they reach
for more.</p>
<p>No use to say how and what we feel when we attend such performances. It
is all right to say "Look the Other Way," <i>but it can't be done</i>. It is
human nature to gaze upon horror—sometimes in sympathy, but more often
in amazement. Sometimes a well staged scene of gormandizing viewed from
a seat in the second or third row center of a softly lighted, thick
carpeted food emporium <i>saves us the price of our own meal</i>. We no
longer hunger on our own account. Our appetite is appeased by proxy, so
to speak, and we calmly fix our eyes on the "big show" and <i>sigh for a
baseball bat</i>.</p>
<p>No wonder a noted bachelor of medicine declares "People are what they
eat!" The exclamation point is our own. We quite agree with our medical
brother for we have seen people eat until we thought <i>we</i> would never be
hungry again.</p>
<p>But there is more to self-indulgence than the food specialist has to
answer for, so we will be on our way. For instance, there is <i>the
spendthrift;</i> surely he is entitled to a short stanza. We all know him.
He goes on the theory that he has all the spending money in the world,
and that long after he is dead those on whom he spent it will remember
his generosity. Vain hope!—Whatever memory of him remains will be of a
different kind. Those who have been bored by his gratuitous attentions
will take up the threads of their existence where they left off when he
drove them away from their usual haunts. No longer will they have to
dodge down alleys and run up strange stairways in an effort to avoid his
overtures.</p>
<SPAN name="image_11"></SPAN>
<center>
<ANTIMG src="images/image-11.jpg" width-obs="399" height-obs="600" alt="Douglas Fairbanks in "The Good Bad-Man"" title="">
</center>
<p>When alive and in full operation he knew more about what was best for us
than we could possibly think of knowing. Left to his own devices he
would have us smoke his particular brands, drink his labels, eat his
selections, wear his kind of a cravat, overcoat, cap, hat, shoes, and
underwear. And to make his proposition sound business like he would
willingly pay the bills! In this little amusement we are supposed to
play the part of receiver and <i>praise his generosity</i>.</p>
<p>Whatever may be our verdict on this chap we must keep in mind that his
inordinate desire to waste his substance was no less than a vice if for
no other reason than its example upon others; it is just as bad to be <i>a
"receiver"</i> as it is to be <i>a spendthrift</i>. If we cannot build up a
reputation for generosity without becoming ostentatious we might better
take lessons in refinement from someone "to the manor born."</p>
<p>There is no desire to single out and set down by name and number every
sort of self-indulgence. <i>Excesses of any kind are indulgences</i>, and it
is easy to fall into them if we have not built up our stamina to resist.</p>
<p>Our failures are usually traceable to ourselves. No matter what excuses
may be offered in our behalf we know in our own minds that we are to
blame. Somewhere along the line of our endeavors we faltered—<i>then we
fell</i>. Our conservatism reinforced by our strength of character finally
gave way at a given point and put the whole plant out of business. Our
system of inspection had become cursory instead of painstaking.
Everything had been running along so smoothly we forgot that everything
<i>must</i> wear out in time if it isn't looked after properly.</p>
<p>A previous chapter entitled, "Taking Stock of Ourselves," has a specific
bearing upon the subject in hand. It emphasizes the necessity of taking
stock of ourselves early in life in order that we may know our weak
spots and take immediate steps to dig them out by the roots and replace
them with "<i>hardy perennials</i>" which thrive on and on unto the last day.</p>
<p>And that reminds us that it is well to take stock of ourselves every
little while. Even "hardy perennials" have to be looked after—the
ground kept fertile and watered against the draughts of forgetfulness
and neglect. And so it must be with our mental and physical processes in
order that each day of our lives we may go forth with renewed
forcefulness—with every atom of character in full working order.</p>
<p>Having started off on the right foot, we are less likely to have trouble
with our higher resolves during the lean and hungry years of our youth
when we go plunging headlong toward the goal of our ambitions. Usually
it is not until we come into "Easy Street" that we find that we dropped
something somewhere along the line which we must replace at once or we
will be laid up for repairs. But lo and behold! "Easy Street" is fair to
look upon. It dazzles the eye—it takes hold of the sensibilities.
Everybody wears "Sunday clothes" on this street and seems to be
superlatively happy. Surely it wouldn't hurt to linger awhile and see
what is going on. Why, this is the most talked about street in the
world! Some of the people we have dealt with have told us about it. They
said it was <i>the only street</i> for a man of means, for there could be
found the very things for which we strive in life. They told us that the
people we would meet represented the higher order of intelligence,
brainy, alert, accomplished—a grand thoroughfare for those who would
know life in the fullness thereof.</p>
<p>Now it is a fact that "Easy Street" may be crossed and recrossed in
safety every day of our lives if we do not tarry. Financial competence
might permit of it, but competent efficiency demands that we trot
along—<i>keep moving</i>—get away before we settle down into its ways. The
action we need is not along this brilliant lane.</p>
<p>But suppose we do take a chance just to test the serene confidence which
we think is so safely nailed down within us. The very thought of it
makes the "caution bell" tinkle in our ears—but caution is a species of
cowardice, after all, we say—a man of <i>courage</i> may dare anything
<i>once</i>. And just at the moment we waver who comes along but our old
friend <i>Self-indulgence!</i>—the well dressed, carefree fellow who once
told us all about "Easy Street" and invited us to look in on him
sometime. Nothing would please him more than to show us the whole
works—and here he is shaking us by the hand and pulling us along—for
he is an affable fellow and will not take "no" for an answer.</p>
<p>Our struggle is feeble—a huge chunk of our strength of character falls
off into space then and there. Even at the gilded entrance we try again
to beg off—to slip away—but Self-indulgence will not hear. So together
we go through the portals leading into a grandeur we had never
known—beyond our experience and power to believe. <i>This is likely to
become the turning point in our career.</i></p>
<p>Bill Nye once said "When we start down hill we usually find everything
greased for the occasion." We might add—"<i>except the bumps!</i>"</p>
<br/>
<SPAN name="CHAPTER_XIV"></SPAN><h3>CHAPTER XIV</h3>
<h4>LIVING BEYOND OUR MEANS</h4>
<br/>
<p>Living beyond our means is a big subject that must be treated broadly,
for circumstances alter cases. There is a sane way to look at every
problem, and the matter of living beyond our means is one of the major
problems we have to face. If every man was alike and every avocation in
life was on a parity, it would be possible to dispose of this subject in
a paragraph. But men are not alike. What one could do successfully might
easily baffle another. Therefore, it seems advisable to consider the
subject by looking into its depths.</p>
<p>To most people debt is terrifying. To some it means nothing—and thus we
have individual temperament as an angle from which to consider. Living
beyond our ability to pay means going into debt via the shortest route.
Getting out of debt means a revision of our code to the extent of
ceasing to live beyond our means and saving something with which to pay
off what we owe. Some men can do this successfully—others fail while
seemingly trying their best to succeed—and still others do nothing to
stem the tide. With these it is a matter of how the tide serves. If
favoring winds should drive them to opulence they would more than likely
pay up, particularly those imbued with <i>sufficient personal honor</i> to
"make good."</p>
<p>Such are the exigencies of life, we may as well concede that a vast
majority at some time or other find it necessary to owe more than they
can readily pay. Emergencies arise which force us into expenses that
require credit, and if we have so ordered our lives that when the pinch
comes <i>we have no credit established</i> the fact that we pay out our last
dollar and go hungry to bed does not bring us much sympathy. Thus it
would seem that to be able to say: "I pay as I go," or, "I owe no man a
dollar," or, "I never live beyond my means" is not much of a boast,
when, after a death in the family, or other unforeseen circumstances,
we find ourselves broke and nowhere to turn for accommodation.</p>
<p>It has been aptly said that "<i>People can save themselves to death.</i>" In
other words, one may develop the saving habit to such an extent that
"Laugh and Live" can find no room beside us on the perch of our
existence. We must admit that the systematic saver of pennies misses a
lot as he goes along, and, with time, degenerates into a sort of "Kill
Joy." In the matter of regulating his family to his way of thinking he
usually has an uphill job. Sons leave home as soon as they can;
daughters marry and breathe a sigh of relief, leaving mother behind to
slave on <i>in order that the hoard may grow</i>.</p>
<p>While all of this is true it only represents extreme cases, therefore it
should not be construed that this chapter is launched against <i>the habit
of saving</i>. Rather, its purpose is to suggest the thought of not
"<i>over-saving</i>" at the expense of <i>personal welfare</i>. Our best plan
would be to save in reason, not forgetting that life is here to enjoy
as we go along. Then, too, we must have a <i>credit rating</i> among our
fellow mortals, just the same as a business person must have credit
rating among financial institutions.</p>
<SPAN name="image_12"></SPAN>
<center>
<ANTIMG src="images/image-12.jpg" width-obs="382" height-obs="600" alt="Squaring Things With Sister—From "The Habit of Happiness"" title="">
</center>
<p>Credit in business is worth more than money because it allows for
expansion whereas money in the bank is only good <i>as far as it goes</i>.
Many a merchant who bought and sold for cash all his life found when he
came to enlarge his business that one thing was lacking—<i>credit</i>. The
fact that he had always paid cash threw a doubt upon his financial
condition when he proposed to borrow. He had neglected to build up a
credit as he went along. The business world only knew him as a man who
paid cash and exacted cash. Taken at his fullest inventory he had
"scalped" a living out of the world for which he had done but little to
make happier or better. One calamity might easily scuttle his prospects
forever—for instance, a fire, or a bank failure. And without credit it
would be difficult to start over again.</p>
<p>By all means we must save something for the "rainy day" as we go
along—and our savings can be made up of other things than actual cash
in bank. One item of our savings is the habit of <i>keeping up our
appearances</i>. Living beyond our means does not incorporate the thought
that, in order to save every possible cent, we should become slipshod
and shabby. Carelessness in dress takes away from our rating as nothing
else will for it has to do with first impressions of those with whom we
come in contact. Gentility pays dividends of the highest order, being,
as it is, a badge of character. Neatness <i>bespeaks character</i>, and it is
just as cheap in dollars and cents to keep ourselves respectably clothed
as to indulge in shoddy apparel under the delusion that we have saved
money on the purchase price. Good clothing, costing more at the start,
lasts long <i>and looks well as long as it lasts</i>. Shoddy apparel never is
anything else but shoddy, and well might it proclaim the shoddy man.</p>
<p>When we throw away our opportunity to present a genteel appearance, just
for the sake of the bank roll, we doom ourselves to defeat in the
pursuit of knowledge. We cannot get all we want to know by the mere
reading of books. We must mingle with people; we must interchange
thought that we may crystallize what we know into practical knowledge so
it can be made into tools to work with. While a man of brains is welcome
everywhere the matter of his appearance has a lot to do with how he is
received and with whom he may fraternize.</p>
<p>"Isn't it a pity," we hear people say, "that, with all his brains, he
hasn't sense enough to make himself presentable?" But the worst phase of
the situation is that the unkempt man sooner or later loses faith in
himself and either ceases to hoard at the expense of his gentility or he
gives up his opportunity to mingle with others and lapses into habits
consistent with miserly thoughts.</p>
<p>The phrase "<i>a happy medium</i>" is well known and decidedly applicable to
the subject of saving as we go along so that we may avert the sorrows
which follow in the wake of <i>living beyond our means</i>. It suggests a
desirable middle course which permits us to adopt a sane policy, rather
than flying to an extreme.</p>
<p>It cannot be said that we are living beyond our means when by reason of
our association with men of affairs we need to spend more money and
thereby save less in preparing ourselves for the larger opportunities
which will naturally follow. Young men often go through college on their
"uppers," so to speak. There is not a cent which they could honestly
save as they went along without cheating themselves. The point is that
their situations in life force them to spend rather than to save money.
But in so doing the real saving was in the spending thereof. <i>They
enlarged their knowledge and decreased their bank accounts for the time
being.</i> What man parts with in an emergency is no license, however, for
him to fall back into profligacy. Never should a man entirely lose the
idea of putting something by. The college boy in this case has simply
invested his money in an education instead of a bank account.</p>
<p>Once on the highroad of life with a plan of action well defined and a
regular income <i>the habit of putting money away should become a fixed
procedure</i>. In no other way do we accumulate except by investment, and
investment means putting away money at interest or in some project which
promises better returns.</p>
<p>If we were to interview a thousand men on the subject of saving and draw
upon their experiences we would find that by investing money at interest
we pursue the safest course, far safer, in fact, than the seeking of
outside investments that <i>promise</i> greater returns. The latter invites
the mind away from the regular avocation and educates it in time to
<i>take chances</i> that are likely to turn into <i>setbacks</i>. The mind,
instead of applying itself to the duty of making the most out of its
regular employment, allows its interest to become scattered over too
broad a field.</p>
<p>It is not within the province of all men to become wealthy and, after
all, wealth is not the only desideratum; the happiest of mortals are
found in the middle walks of life and not in the extremes. The struggle
should be to escape the life which saps our strength, keeps our nerves
on edge and drives us away from the <i>green pastures</i>.</p>
<br/>
<SPAN name="CHAPTER_XV"></SPAN><h3>CHAPTER XV</h3>
<h4>INITIATIVE AND SELF-RELIANCE</h4>
<br/>
<p>The late Elbert Hubbard defined the man with initiative as the one who
did the right thing at the right time without being told. At this point
it may be definitely stated that such a man would naturally be
<i>self-reliant.</i> Such a man would not lean on his friends. He would
<i>stand up</i> with them.... He would be found fighting his own battles
without crying for help.</p>
<p>Once a cub reporter was ordered by his city editor to go and interview a
certain man. After an awkward pause the youngster inquired: "Where can I
find him?" Smiling scornfully into his eyes the city editor replied:
"Wherever he is."</p>
<p>This would seem to have been the start and finish of this youngster's
newspaper career, but quite the reverse was true. He took the lesson
well to heart, thus starting himself on the road to self-reliance. If
he had repeated the offense it is likely he would have lost his job and
also <i>his nerve</i>—thereby spoiling his chances for a successful career.
The fact that he did not, but went on and made of himself a famous
newspaper man, proves that he lost no time in developing <i>initiative and
self-reliance</i>.</p>
<p>There is no questioning the vast importance these two words mean to all
of us. Many a man who did not grasp the significance of initiative
became a "<i>leaner</i>" for the rest of his life. Many a man also missed his
chances by doing <i>just as he was told</i> and nothing more. His work ended
there. In due course it is inevitable that such a man should become part
of the great army of discontented ne'er-do-wells who help to block the
pavements in front of the loafing places.</p>
<p>Hesitation, vacillation and growing diffidence take the place of
self-reliance. He falls to the bottom like a stone. And there he
rests—a drag anchor in the mire. His job gets the best of him because
he lacks initiative. Once stranded he becomes an arrant
coward—<i>afraid of his own shadow</i>.</p>
<SPAN name="image_13"></SPAN>
<center>
<ANTIMG src="images/image-13.jpg" width-obs="388" height-obs="600" alt="A Scene from "In Again—Out Again"" title="">
</center>
<p>We must <i>make our own opportunities</i> otherwise we are children of
circumstance. What becomes of us is a matter of guesswork. We have no
hand in compelling our own future. <i>Diffidence is a species of
cowardice.</i> It causes a man's courage to ooze out at his toes faster
than it comes into his heart. <i>Such men often have big ideas, but having
no confidence in themselves they lack the power to compel confidence in
others.</i> When they go into the presence of a man of personality they
lose their self-confidence and all of the pent-up courage which drove
them forward flies out at the window. Their weakness multiplies with
each failure until finally "the jig is up"—<i>their impotency is
complete</i>.</p>
<p>Very largely those who have big ideas to present expect to be taken in
on them and to be given an opportunity to succeed along with their
scheme. When a man becomes so unfortunate as to be unable through
diffidence to explain himself, his big idea goes into the waste basket
and with it all of the hopes he has built upon it. <i>Another nail has
been driven into his casket of failures.</i></p>
<p>To such a man, all pity, but we will not allow him to escape until we
have given him a pat on the back and pointed out the right road to
travel. We mustn't preach to him or undertake to force him to do
anything, but we will at least give him a helping hand and show him that
there is <i>a royal road to his goal</i>.</p>
<p>This man needs first of all to build upon his physique. Perhaps he has a
<i>bad stomach</i>, and likewise <i>bad teeth</i>. Exercise—regular exercise,
should be the first thing on his program. Fresh air, long walks, deep
breathing, dumb bells, boxing, rowing, skating in season—<i>and wholesome
companionship day by day</i>. In the long run boxing will become his most
efficient exercise. When a man can take a blow between the eyes and come
back for more he has begun to <i>fortify his own combativeness</i>. That is
what he needs in life's battles—the nerve to <i>come back for more</i> after
a slam on the jaw that would lay another man low. And when it's all
said and done and the exercise game has become a feature of his day's
work, he must settle down to <i>good plain food and plenty of sleep</i>.
There is nothing in all the world like these things combined for the
upbuilding and upholding of health and courage.</p>
<p>Our success is a matter of our courage. A man who can steel himself to
be knocked down and get up immediately afterwards and hand the other
fellow a ripping punch has added to his own "pep." <i>All courage is of
the same cloth, whether physical, moral or spiritual.</i> To build upon one
is to build up the others—the human system being constructed on such a
basis that if one part is affected all the rest follow suit.</p>
<p>A man who isn't afraid of a physical combat will readily match his wits
with his fellow man. Physical training is therefore all important to
<i>initiative and self-reliance</i>.</p>
<p>Our natural aim is to make for ourselves a true personality that does
not know defeat. When we come to an obstacle we must be able to hurdle
it. It is all very well to say that the longest way around is the
shortest way across, but it doesn't sound like initiative and
self-reliance. There is one thing about men who rely upon
themselves—they make no excuses, nor do they puff up over victory.</p>
<p>Posing for applause is as distasteful to them as standing for abuse. All
they ask is a square deal and the confidence of their associates. If
they fall down on a proposition they get up and go at it again until
success crowns their efforts. Such men have a way of <i>turning defeat
into victory</i>.</p>
<p>How immeasurably inferior to such a spirit is the fellow who whines and
moans at every evil twist of fortune. He has no confidence in himself
and nothing else to do except confide his woes to all who will listen to
his cowardly story of defeat. Such men are least useful in the important
work of this world. They are the humdrum hirelings—the dumb followers.
The pitiful part of it all is that they could have succeeded had they
but taken stock of themselves when the taking was good. But while there
is life there is hope—likewise a chance. <i>It is up to us.</i></p>
<p>One of the startling things about men of initiative is the way they
come forward in times of trouble. We don't have to point to Andrew
Jackson in the War of 1812. We can look around us. Take, for example, a
great fire. Haven't we often read of the brave fireman who sprang
forward and by doing the right thing instantly, saved a multitude of
lives? Well, such a man is possessed of self-reliance. He is trained for
the hazardous life he leads. When the emergency arose he was ready in a
jiffy to do the work expected of him.</p>
<p>It is safe to say that without training such men would have botched the
job and instead of being praised to the skies would have sunk into
oblivion under the heap of public scorn. Sometimes it happens that a man
accidentally becomes a hero, but it was no accident that he was <i>able to
become one</i>. He must have had initiative—he must have had
self-reliance. Archibald C. Butt was such a man. He went down on the
<i>Titanic</i>. The last act of his life was to help women and children into
the boats and calm their minds as they were lowered away. Astor was of
the same metal—<i>both sublimely oblivious to the terrible fate which
hung over them</i>. Here was initiative and self-reliance in its highest
form.</p>
<p>And this sort of man is everywhere. The car in which we ride to work
every morning contains one or more of them. Let something happen and we
will see them spring forward with a line of action already formed. At
their word of command we automatically obey—and then when the worst is
over a kindly voice reassures us and we go on our way rejoicing.</p>
<p>What would the world do without these men? History is filled with the
tales of heroes and heroines. And for every Joan of Arc there are
thousands upon thousands who have done heroic things without a word of
praise. Moreover, the really brave soul declines all ovation. No real
hero claims reward. <i>To have done the right thing at the right time is
reward in itself.</i></p>
<p>This quality of self-strength and self-dependence is not confined to any
race of people, but in nations where personal liberty survives
initiative is at its best. Somehow, whenever the emergency, <i>the man
comes forth to do and dare</i>. The great world war, still raging as these
lines are penned, has furnished untold thousands of examples of
courageous action—-enough to last until the end of human affairs, but
they will go on and on in multiplied form, each day's score superseding
those of the day before. It would be bully to know that we are doing our
share in <i>safeguarding the supply</i> of Initiative and Self-reliance
needed in this world.</p>
<p>We must keep moving. The fellow who gets in a rut through lack of
initiative finds that with advancing years it becomes harder and harder
to get out of it, so that the best plan is to make the move now while
there is time to succeed. When we come to think of it, there are plenty
of positions in the world for the right man, and if we have something to
say for ourselves that lends credit to our ability we stand a chance for
the job.</p>
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