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The Law of 
inancial Success 

The Law of 
Financial Success 



Fonn«rly Maoager of The Science Prssj 
Now Secretary of The Fiduciary Compaay 






Copyrieht, 1907. by 

All Right* Reserved 

Notice.— This work is protected by copyright, and simultaneous 
initial publication in Great Britain, France, Germany, Russia and 
other countries. All foreign rights reserved. 

' To catch dame fortune's goldeo smile. 
Assiduous wait upon her. 

And gather gear by every wile 
That's justified by honor. 

Not for to hide it in a hedge. 
Not for a train attendant; 

But for the glorious privilege 









Mental Attitude . 


Fear and Worr . 




Latent Powers 


Ambition . 




Will Power 


Auio-Suggestior. ., 


Harmony . 










Claiming Your Own . 


Making Money . 







(qtHR law of Financial Success!" To some 
^^ this title may appear presumptuous, and mdica- 
tive of an overweening vanity on the part of a writer 
who wishes to impress upon the world the belief that 
his ideas and opinions regarding the subject of Finan- 
cial Success are of such transcendent value as to be 
worthy of the appellation of "The LAW.*' Patience, 
patience, good friends, the author has no such bump- 
tuous conceit — no such vainglory. He is not attempt- 
ing to frame a law; nor seeking to impose upon the 
world a set code of conduct, emanating from his finite 
mind, and claiming for it the authority of a LAW. 
Nay, nay, he has learned to smile at such exhibitions 
of folly on the part of some so-called thinkers of our 
times, and begs to be absolved from the suspicion of 
such childish desire or intent. 

He does not wish to pose as the formulator, dis- 
coverer, or enunciator of a new Law. He knows that 
any Law, to be really a LAW, must rest upon the 
eternal foundations of Reality, and cannot be created, 
made, or formed by the finite mind of man. And, so, 
good friends, he does not claim to have madct created 
or formed this great Universal Law to the considera- 
tion of which this little book is devoted. It is not his 
mental offspring, but a great, eternal, universal Law 
of Life, which springs from the source of all Laws of 
Life. In fact, it is an integral part and portion of 
the ONE GREAT LAW underlying all Life, and 

PAGE 19 


fits into those other Natural Laws, which, when com- 
bined in an Universal Harmony, form the outward 
manifestation of the GREAT LAW underlying, in- 
herent in, and manifesting in all that we call Life. 

"But," you may ask, "is there then really a funda- 
mental LAW underlying that which we call Financial 
Success? Is there a LAW which if once discovered, 
understood and practiced, will enable one to accom- 
plish that for which this great modern world is so stren- 
uously striving, toiling and desiring? Is there a LAW, 
which, when operated will make one the master of 
Financial Success, instead of a mere blind groper 
after its fruits? Is, indeed, Financial Success tlie 
result of the operations of a LAW, instead of the 
operation of mere luck, chance, or accident?** 

Ah, yes, good friends, all this tliat you seek comes 
only from the application and operation of a great 
LAW, of which the successful men and women of the 
world make use of either consciously or uncon- 
sciously. And this great LAW is as well defined as 
is any other Natural Law, and when grasped and 
understood may be practiced and operated just as 
may any of its related Laws on other planes of uni- 
versal activity. 

TTiere is no such thing in Nature as blind chance, 
accident, or uncaused luck. Everything in Nature 
operates in accordance with LAW. LAW underlies 
everything. You may doubt this, but stop a moment 
and iry to think of anything in our finite world that 
is not the effect of some cause. A great stone is dis- 
lodged and rolls down the mountain side, striking a 
tree which it uproots and sends rolling down into a 

PAGE 11 


stream which is dammed up, causing a flood that 
sweeps away a fertile field, and so on, and on, effect 
succeeding effect. Was all this mere blind chance? 
Not at all. The stone was dislodged in response to 
the operation of causes that had been at work for 
centuries disintegrating the stone, and which caused 
the boulder to become dislodged exactly at the mo- 
ment when the inherent power of the Cause reached 
that particular stage. TTiere was no more chance in 
the dislodgmcnt of the stone than there was in the 
striking of a clock that had been wound up a day, 
or a week, or a year before. It was all the result of 
invariable and consistent LAW. And so was the 
direction of the stone's fall; and all the succeeding 

But mark you this, had some Man been able to 
discover and understand the LAW in operation in 
that latent power inherent in the stone, he would 
have been able to have prevented the stone striking 
the tree and causing all the resulting damage; and 
he might, and would, have been able to divert the 
stone from its path of damage, and turn it into some 
place in which it would have done no harm, and in 
which he could have broken it into bits at his leisure, 
and thus secured building stone for the foundation of 
his cottage, or the material from which a hard road- 
bed could have been made. The LAW behind the 
stone was always there, and was consistent in its opera- 
tion, and yet Man, by the power of his mind could 
have turned the LAW into his own channels and con- 
verted it to his use. He could have made a servant 
and a slave of this Universal Law, instead of allow- 


ing it to master him, and become his tyrant; for in this 
way has man mastered the forces of Gravitation, 
Steam, Hydraulics and Electricity, Hfhich once mas- 
tered him. 

Thus has Man risen from savagery and barbarism 
into what he is to-day. And thus will he advance 
from what he is to-day into what he will become in 
the days to come — a creature as much superior to 
Man of to-day as the latter is superior to the bar- 
barian. The story of Man's Attainment may be ex- 
pressed in these words: "The subjugation and mas- 
tery of Nature's forces." And so it will ever be. 
Man first is mastered and operated upon by Nature's 
forces. Then he discovers the LAW underlying these 
forces. Then he harnesses the force, and makes it 
work his will. As the great English scientist Ray 
Lankester has recently declared in his works: **Man 
is held to be a part of Nature, a product of the 
definite and orderly evolution which is universal; a 
being resulting from and driven by the one great nexus 
of mechanism which we call Nature. He stands 
alone, face to face with the relentless mechanism. It 
is his destiny to understand and control it." 

"But," you may object, "this is all very well, and 
undoubtedly true of the physical forces of Nature, 
but Financial Success cannot be classed with these 
forces. Why, it is purely a latter-day development, 
and cannot be identified with the great Natural forces 
of which you have spoken." 

Patience, again, good friends I As we proceed 
you shall see that the Law of Financial Success is 
a part and parcel of the Great Law of Use and 


Nourishment which is in operation all through ani- 
mal and vegetable Hfe. It is the same LAW that 
manifests in the form of the securing of food by the 
animal, the securing of nourishment by the plant. Nay, 
more, it is the same LAW by and through which 
Nature operates when it causes the atom of oxygen 
to attract to itself the two atoms of hydrogen in order 
to form the molecule of water. Water all over the 
world is composed of just these two substances, com- 
bined in just this proportion. The atom of oxygen 
has the power to operate the great Law of Attraction 
and Use, upon the two atoms of hydrogen, and when 
it draws them to itself, the tiny globule of water re- 

The oxygen needs the hydrogen to accomplish its 
life mission; the plant needs the drop of water to 
accomplish its life mission; and the animal needs the 
plant to accomplish its life mission. And modern man 
needs Financial Success to accomplish his life's mis- 
sion. And each one draws to itself that which it 
needs in proportion to its use of the LAW. The same 
LAV/ in its various forms is in operation everywhere 
in the same way. 

But in the chemical, mineral, vegetable and ani- 
mal worlds, the desire which prompts the attraction, 
and the will which manifests the desire, are uncon- 
sciously exerted. With man, it is different. He has 
developed consciousness, and to live his full life, and 
to accomplish his manifest destiny he must use that 
consciousness in discovering, understanding and avail- 
ing himself of the natural forces inherent in the LAW. 

And this is why this little book has been written — 


to point out; first, the existence of the Law of Finan- 
cial Success; second, to lead you to an understanding 
of it; and third, to give you the result of the experi- 
ence of successful men in the direction of operating 
the LAW. And now, to "sum up'* this introduc- 
tion, as our legal friends would say, the writer asks 
you to consider the following propositions: 

All progress, whether physical, mental, moral, spir- 
itual or financial^ is based upon LAW. And he who 
wins success in any line does so because he has fol- 
lowed the LAW or LAWS pertaining to his business, 
whether he does it consciously or unconsciously. 

Some of our great "Captains of Industry," who 
have won marvelous successes in financial affairs 
(though they may have failed as moral or spiritual 
beings), have won their great success along this line 
because they, consciously or unconsciously, have dis- 
covered the underlying LAW, and by concentrating 
upon it alone, to the exclusion of everything else in 
life, have manifested the operation of the LAW to 
an almost abnormal degree. 

What most of us want is **all 'round" success, 
but what we must remember is that no one 
can be an "all 'round" success without Finan- 
cial Independence. No matter how much good 
a person may want to do, he is handicapped 
by a lack of money. All the air-castles that he has 
built; all the beautiful plans that he has created; all 
the cherished desires to do good — all go unfulfilled be- 
cause there is no money with which to complete them. 
Before these air-castles can become real buildings; 
before these plans can become realities; before these 


great desires can be fulfilled; before any of these 
great things can be manifested into living realities — 
the LAW must be seen, understood, and put into 
conscious operation. And the purpose of tliis little 
book is to tell you HOW TO DO IT! 

For several years the writer has seen the need, 
among advanced tliought circles, of a book filling 
this want. In his own life he has found that Finan- 
cial Success is not a matter of grind, and rush, and 
fight and struggle. It is a matter of getting into har- 
mony with the LAW, and then following that LAW 
to its logical conclusion. In this little book he will 
place this information and the result of his experience. 
In it he will state the LAW — how to get in harmony 
with it — and wliat to do to keep in the closest touch 
with it. 

This book is no magic potion to be swallowed with 
wonderful results — it is, instead, a plain statement 
of the LAW, so that all who run may read, and then 
act. And he who acts will win success, because he is 
following the LAW tliat has been laid down from 
time immemorial. Whether rich or poor, successful 
or unsuccessful — it matters not — this book will be of 
great value to you. If you are a natural money-maker, 
you must have been using this LAW unconsciously, 
and in such case this book will enable you to do con- 
sciously that which you have been partly doing uncon- 
sciously. If you are unsuccessful, and money seems 
not to be attracted by or to you, this book will guide 
your thought and actions into proper channels where 
you will be able to manifest the LAW and thus get 
&e highest possible results. 


And, now that you have been told of the feast of 
good things ahead of you, draw up your chairs to the 
table and partake of what nourishing food has been 
provided in the following pages. After all, you know, 
"the proof of the pudding lies in the eating thereof," 
and so fall to and taste that which has been gathered 
together for your mental, physical and financial well- 
being. And now, while you are filling your plates, 
the writer proposes the opening toast, to be drunk in 
Nature's sparkHng fluid: "Here's to you — may you 
live long and prosper by following the Law of 
Financial Success!" 

Edward E. Beals. 

Chicago, August 1, 1907. 



f^~^HERE is no idea that seems so much misunder- 
^r^ stood as this idea of *'Money." On the one 
hand we find many people engaged in a mad chase 
after "money for money's sake," and on the other 
hand, many others who are decrying money as the 
root of all evil, and severely criticising the tendency 
of the age to seek money actively. Both of these 
classes of people are wrong — they are occupying the 
opposite sides of the road of reason, whereas truth is 
found here, as always, "in the middle of the road." 
The man who seeks money as a thing of value in 
itself — the man who worships money as a very god — 
such a man is a fool, for he is mistaking the symbol for 
the reality. And, likewise, the man who decries the 
pursuit and desire for mo'^ey as a foul, evil thing — he 
who would make of money a devil — this man is like- 
wise a fool. The wise man is he who sees money as 
a symbol of something else behind, and who is not 
deluded by mistaking the shadow for the substance, 
either for good or evil. The wise man makes neither 
a god nor a devil of money — he sees it as a symbol 
of almost everything that man may obtain from the 
outside world, and he respects it as such. He sees, 
while it is true that avarice and greed are detestable 
and hurtful qualities of mind, still the lack of the 
proper desire for, and striving after, money, makes of man 
a creature devoid of all that makes life worth the living. 
When the sane man desires money, he really de- 


sires the many things that money will purchase. Money 
is the symbol of nearly everything that is necessary for 
man's well-being and happiness. With it he opens 
the door to all sorts of opportunities, and without it 
he can accomplish practically nothing. Money is the 
tool with which man may carve many beautiful things, 
and without the aid of which he is helpless. Money 
is but the concentrated essence of things desired, cre- 
ated and established by society in its present stage of 
development. There have been times in which there 
was no money — there may be times coming in which 
the race will have passed beyond the need of money 
as the symbol of exchange and possession — but, be 
this as it may, the fact remains that now, right here 
in the beginning of the Twentieth Century, there is 
nothing that is so necessary for man's well-being and 
content as this much-abused money. 

Remember this, first, last and all the time, that 
when I say, "man needs money," I mean that he 
needs the man}) things that mone}f n>ill purchase for 
him. And for one to decry the desire for money is 
for him to decry the desire for nearly all the good and 
desirable things of life. As a recent writer has said: 
"Unless a man acquires money, then shall he not eat; 
nor be clothed; nor have shelter; nor books; nor mu- 
sic; nor anything else that makes life worth living 
for one who thinks and feels." 

The people who decry the desire for money arc 
generally those who have found themselves lacking 
in the qualities that tend to attract money ; or else those 
who are in possession of money that has been inher- 
ited, or is otherwise acquired without the labor, ex- 


citement or satisfaction of having been made by them- 
selves. With the first mentioned class it is a case of 
"sour grapes"; with the second it is financial dyspep- 
sia, which has left the victim devoid of a normal ap- 

In spite of the loud cries and protests of our long- 
haired brothers and short-haired sisters — so-called "re- 
formers" — money is still necessary in order that man 
may have the necessities of life, as well as a few luxu- 
ries. We cannot live on beautiful theories, but must 
have bread and butter, and potatoes, and sometimes 
a piece of cake or pie — and it takes mone}) to get 
them. Money means freedom, independence, liberty, 
and the ability to do great good, as well as great evil. 
It means the opportunity to carry out great plans 
and to fulfill great ideals. It means the filling in of 
those mental pictures that we have sketched out in our 
minds. It means the chance of materializing those 
airy "Castles in Spain" that we have dwelt upon in 
moments of hopeful ecstasy. Ah, yes, money is the 
wizard, able and willing to work wonders. It is, in- 
deed, the genie who can and will do its master's bid- 

I hold that in the present stage of evolution of man, 
money is to mankind what air, water, sunshine and 
mother-earth are to the plant — it is nourishment. And, 
as in the plant, the desire for nourishment is a natural 
and worthy instinct, so is the desire for this financial 
nourishment in man a perfectly natural and worthy 
instinct — it is the working of the same natural law. 
And, mark you this, that as the desire of the plant 
is a natural indication of the existence of the nourish- 


ment-need, so is this desire in the breast of man a cer- 
tain indication of the possibility of its satisfaction and 
attainment, if natural laws are but followed. Nature 
is no mocker — it causes no desire to spring up in a liv- 
ing thing, unless it also endows that living thing with 
the faculties and powers to attain that which it 
craves. A realization of this great natural law wil! 
do many of my readers much good just now. 

But note this, also. Nature does not encourage 
the hoarding up of anything for the mere sake of ac- 
quisition. It punishes this error severely. The Law 
of Use underlies all of nature's instinctive cravings. 
It desires that the living thing shall draw to itself the 
nourishment and material it needs, in order to use it. 
And this desire for money on the part of man is gov- 
erned by this same law — the Law of Use. Nature 
wishes you to desire money — to attract it to you — 
to possess and acquire it — and lastly, and most im- 
portant of all, to use it. By using money, and keep- 
ing it working and in action, you will fall in line with 
the workings of this great Law of Use. By falling in 
with this Law, you work in harmony with the great 
natural forces and purposes. You bring yourself 
into harmony with the Cosmic Plan, instead of oppos- 
ing it, and when man so brings himself into harmony 
with the natural forces around him, he reduces fric- 
tion and receives the reward that comes to all living 
things that work with, instead of against, the LAW. 

So, friends, in closing this chapter, I would say to 
you: Be not afraid, but assert the desirability of the 
possession and use of money; recognize that it is your 
natural right to possess it, just as it is the natural right 

^ Page a 


of the plant to sunshine, Hght and air. And do more 
than this — it belongs to you — demand it of the LAW, 
just as does the plant. 

Cease all this talk of the beauty of poverty, and 
the joy of the humble — you know that in the bottom 
of your heart you do not mean a word of it. You 
know that you are just saying these things because you 
are afraid that you cannot have that which you want. 
Throw off this mask of hypocrisy, and self-deception, 
and stand out in the open like a man, throwing your 
head up and looking the world in the face, saying, 
"Yes, I do desire Money; I want it and I want it 
eamestl}), and through the LAW I demand it as my 
rightful inheritance — and I'm going to get it, begin- 
ning right now!" 

Throw off the shackles of the slave, and assert 
your freedom. Assert your own mastery of that which 
is your own. Don't be afraid to assert what you 
want, and to see it clearly ahead of you — then march 
straight onward to the mark, without turning to the 
right, or to the left, without fear or favor, without 
flinching or fouling — straight to the mark which is 
called Financial Success! For in that goal, alone, 
may you find that for which you seek — that which 
your heart desires. 


Mental Attitude 

J^OU remember the saying of the saaed writer: 
O^ " As a man thinketh in his heart, so is he. '* 
A truer statement never was uttered. For every man 
or woman is what he or she is, by reason of what he 
or she has thought. We have thought ourselves into 
what we are. One's place in Hfe is largely determined 
by his Mental Attitude. 

Mental Attitude is the result of the current of one's 
thoughts, ideas, ideals, feelings, and beliefs. You 
are constantly at work building up a Mental Attitude, 
which is not only making your character but which 
is also having its influence upon the outside world, 
both in the direction of your effect upon other people, 
as well as your quality of attracting toward yourself 
that which is in harmony with the prevailing mental 
state held by you. Is it not most important, then, that 
this building should be done with the best possible ma- 
terials — according to the best plan — with the best tools? 

The keynote of this chapter is: **A positive Men- 
tal Attitude Wins Financial Success." Before going 
any further, let us define the word "Positive" and its 
opposite, **Negative," and then see how the former 
wins success and the latter attracts failure. In the 
sense in which I use the terms, ''Positive" means Con- 
fident Expectation, Self-Confidence, Courage, Initia- 
tive, Energy, Optimism, Expectation of Good, not 
Evil — of Wealth, not Poverty — Belief in Oneself 


and in the LAW, etc., etc.; "Negative" means Fear, 
Worry, Expectation of Undesirable Things, Lack of 
Confidence in Oneself and the LAW, etc., etc. 

In the first place Mental Attitude tends towards 
success by its power in the direction of **making us 
over** into individuals possessing qualities conducive 
to success. Many people go through the world be- 
moaning their lack of the faculties, qualities or tem- 
perament that they instinctively recognize are active 
factors in the attainment of success. They see others 
possessing these desirable qualities moving steadily 
forward to their goal, and they also feel if they them- 
selves were but possessed of these same qualities they, 
too, might attain the same desirable results. Now, so 
far, their reasoning is all right — but they do not go far 
enough. They fail here because they imagine that 
since they have not the desired qualities at the moment, 
they can never expect to possess them. They regard 
their minds as something that once fixed and built 
can never be improved upon, repaired, rebuilt, or en- 
larged. Right here is where the majority of people 
*'fall down," to use the expressive although slangy 
words of the day. 

As a matter of fact, the great scientific authorities 
of the present time distinctly teach that a man by 
diligent care and practice, may completely change his 
character, temperament, and habits. He may kill 
out undesirable traits of character, and replace them 
by new and desirable traits, qualities and faculties. 
The brain is now known to be but the instrument and 
tool of something called Mind, which uses the brain 
as its instrument of expression. 

PAGE 84 


And the brain is also now known to be composed 
of millions of tiny cells, the majority of which are not 
in use. It is also known that if one turns his at- 
tention and interest in certain directions, the unused 
cells in the area of his brain which is the center of 
such subject, will be stimulated into action and will 
begin to manifest actively. Not only this, but the 
stimulated sections of cells will begin also to actively 
manifest their reproductive qualities, and nen^ brain 
cells will be evolved, grown and developed in order 
to furnish proper mental tools with which to manifest 
the new desires, qualities and feelings pressing for- 
ward for expression. 

Scientific Character Building is not a mere idle 
theory, but a live, vital, actual, practical fact, being 
put into operation in the psychological laboratories of 
the country, and by thousands of private individuals 
all over the world who are rapidly * 'making themselves 
over'* by this method. And the prevailing Mental At- 
titude is the pattern upon which the brain cells build. 
If you can but grasp this truth you have the key to 
success in your hands. 

Now, let us consider the second phase of the ac- 
tion of Mental Attitude toward Financial Success. I 
allude to the effect upon others of one's Mental Atti- 
tude. Did you ever stop long enough to think that 
we are constantly giving other people suggestive im- 
pressions of ourselves and quaHties? Do you not 
know that, if you go about with the Mental Attitude 
of Discouragement, Fear, Lack of Self -Confidence, 
and all the other Negative qualities of mind, other 
people are sure to catch the impression and govern 
themselves toward you accordingly? 

PAGE 25 


Let a man come into your presence for the purpose 
of doing business with you and if he lack self-con- 
fidence in himself and the things he wishes to sell you, 
you will at once catch his spirit and will feel that you 
have no confidence in him or the things he is offering. 
You will catch his mental atmosphere at once, and 
he will suffer thereby. But let this same man fill 
himself up with thoughts, feelings, and ideals of En- 
thusiasm, Success, Self-Confidence, Confidence in his 
proposition, etc., and he will fairly radiate success 
toward you, and you will unconsciously "take stock'* 
in him and interest in his goods, and the chances are 
that you will be willing and glad to do business with 

Do you not know men who radiate Failure, Dis- 
couragement and "I Can't"? Are you not affected 
by their manifested Mental Attitude to their hurt? 
And, on the other hand, do you not know men who 
are so filled with Confidence, Courage, Enthusiasm, 
Fearlessness, and Energy, that the moment you come 
into their presence, or they into yours, you at once 
catch their spirit, and respond thereto? I contend 
that there is an actual atmosphere surrounding each of 
these men — which if you are sensitive enough you can 
feel — one of repulsion, and the other of attraction. 
And further, that these atmospheres are the result of 
the constant daily thought of these men or the Mental 
Attitude of each toward life. Think over this a bit, 
and you will see at once just how the LAW works. 

The third phase of the action of Mental Attitude 
towards Financial Success may be called the working 
of the Law of Attraction. Now, without attempting 

PAGE 26 ____^_^^ 


to advance any wild theories, I still must assert that 
all thinking, observing men have noticed the operation 
of a mental Law of Attraction, whereby "like at- 
tracts like." 

Avoiding all theories on the subject, I state the gen- 
eral principle that a man's Mental Attitude acts as a 
magnet, attracting to him the things, objects, circum- 
stances, environments, and people in harmony with 
that Mental Attitude. If we think Success firmly 
and hold it properly before us, it tends to build up a 
constant Mental Attitude which invariably attracts to 
us the things conducive to its attainment and materiali- 
zation. If we hold the ideal of Financial Success — in 
short. Money — our Mental Attitude will gradually 
form and crystallize the MONEY ideal. And the 
things pertaining to Money — people calculated to help 
us win Money — circumstances tending to bring us 
Money — opportunites for making Money — in fact, all 
sorts of Money-things — will be attracted toward us. 

You think this visionary talk, do you? Well, 
then, just make a careful study of any man who has 
attained Financial Success and see whether or not his 
prevailing attitude is not that of expectation of mone}^. 
He holds this Mental Attitude as an ideal, and he is 
constantly realizing that ideal. 

Fix ^our mind firmly upon anything, good or bad, 
in the world, and you attract it to you or are attracted 
to it in obedience to the LAW. You attract to you 
the things you expect, think about and hold in your 
Mental Attitude. This is no superstitious idea, but a 
firmly established, scientific, psychological fact. 

To further illustrate the workings of the above 


LAW, "like attracts like,'* and "birds of a feather 
flock together," I might here present the theory which 
of late has been the subject of much discussion among 
noted psychologists, i. e., that there are thought cur- 
rents in the mental realm just as there are air currents 
in the atmosphere, and ocean currents in the seas. 
For instance, there are thought currents of vice and 
others of virtue; thought currents of fear and others 
of courage; thought currents of hate and others of 
love ; thought currents of poverty and others of wealth. 
And, further than this, the person who thinks and 
talks and expects poverty is drawn into the poverty 
thought currents of the world and attracts to himself 
others who think and talk along the same lines; and 
vice versa: the f)erson who thinks, talks and expects 
wealth and prosperity attracts, or is attracted to, peo- 
ple of wealth and comes, in time, to share their pros- 
perity with them. I am not trying to champion this 
theory, but if it should be true it behooves each one 
of us to watch our thought and talk, getting rid of 
the poverty thought, and in its place substituting the 
wealth and prosperity thought. 

Sweep out from the chambers of your mind all 
these miserable negative thoughts like "I can't," 
"That's just my luck," "I knew I'd do it," "Poor 
me," etc., and then fill up the mind with the positive, 
invigorating, helpful, forceful, compelling ideals of 
Success, Confidence, and expectation of that which 
you desire; and just as the steel filings fly to the at- 
traction of the magnet, so will that which you need 
fly to you in response to this great natural principle of 
mental action — the Law of Attraction. Begin this 


very moment and build up a new ideal — that of Fi- 
nancial Success — see it mentally — expect it — demand 
it! This is the way to create it in your Mental Atti- 



Fear and Worry 

(n[\ HE great negative note in the lives of most peo- 
^9^ pie is Fear. Fear is the mother of all the nega- 
tive emotions, and her brood is found clustering very 
closely around her. Worry, Lack of Confidence, 
Bashfulness, Irresolution, Timidity, Depression, and 
all the rest of the negative brood of feelings and emo- 
tions are the progeny of Fear. Without Fear none of 
these minor emotions or feelings would exist. By kill- 
ing off the parent of this possible brood of mental 
vampires, you escape the entire coming generations of 
negative thoughts, and thus keep your Mental Attitude 
garden free from these pests and nuisances. 

Fear and the emotions that come from its being do 
more to paralyze useful effort, good work, and finely 
thought-out plans, than aught else known to man. It 
is the great hobgoblin of the race. It has ruined the 
lives of thousands of people. It has destroyed the finely 
budding characters of men and women, and made 
negative individuals of them in the place of strong, 
reliant, courageous doers of useful things. 

Worry is the oldest child of Fear. It settles down 
upon one*s mind, and crowds out all of the develop- 
ing good things to be found there. Like the cuckoo in 
the sparrow's nest, it destroys the rightful occupants 
of the mind. Laid there as an egg by its parent. 
Fear, Worry soon hatches out and begins to make 
trouble. In case of the cheerful and positive "I Can 

PAGE 30 


and I Will" harmony. Worry begins to rasp out in 
raucous tones: "Supposin*," "What if/' *'But," "I 
can't," 'Tm unlucky,""! never could do things right," 
"Things never turn out right with me," and so on un- 
til all the minor notes have been sounded. It makes 
one sick bodily, and inert mentally. It retards one's 
progress, and is a constant stumbling block in our path 

The worst thing about Fear and Worry is that 
while they exhaust a great part of the energy of the 
average person, they give nothing good in return. 
Nobody ever accomplished a single thing by reason 
of Fear and Worry. Fear and Worry never helped 
one along a single inch on the road to Success. And 
the]) never Tvill, because their whole tendency is to 
retard progress, and not to advance it. The majority 
of things that we fear and worry about never come to 
pass at a//, and the few that do actually materialize 
are never as bad as we feared they would be. It is 
not the cares, trials and troubles of to-day that unnerve 
us and break us down — it is the troubles that we fear 
may come some time in the future. Everyone is able 
to bear the burdens of to-day, but when he heaps on 
the burdens of to-morrow, the next day, and the day 
after that, he is doing his mind an injustice, and it is 
no wonder that after a bit he heaps on the last straw 
that breaks the back of the mental camel. 

The energy, work, activity and thought that we ex- 
pend on these imaginary "maybe" troubles of the fu- 
ture would enable us to master and conquer the trou- 
bles of each day as they arise. Nature gives each of 
us a reserve supply of strength and energy upon whick 


to draw and oppose unexpected troubles and problems 
as they come upon us each day. But we poor, silly 
mortals draw upon this reserve force and dissipate it 
in combating the imaginary troubles of next week, or 
next year, the majority of which never really put in an 
appearance — and when we have need of the force to 
oppose some real trouble of the day we find ourselves 
bankrupt of power and energy, and are apt to go down 
in defeat, or else be compelled to beat an inglorious 

I tell you, friends, that if you once learn the secret 
of killing off this vampire of Fear, and thus prevent the 
rearing of her hateful brood of reptile emotions, life 
will seem a difi^erent thing to you. You will begin to 
realize what it is to live. You will learn what it is 
to have a mind cleared of weeds, and fresh to grow 
healthy thoughts, feelings, emotions and ambitions. 

And you will find that with Fear killed out, you 
will cease to give out to others the suggestions of in- 
competence, lack of reliance on yourself, and the other 
impressions that hurt one's chances. You will find 
that when you are rid of Fear you will radiate hope, 
and confidence, and ability, and will impress all those 
with whom you come in contact. 

And you will find also that the eradication of Fear 
will work wonders in your Mental Attitude, and the 
operation of it through the Law of Attraction. When 
one fears a thing he reall}) attracts it to him, just as if 
he desired it. The reason is this — when one desires 
or fears a thing (in either case the principle is the 
same) he creates a mental picture of the thing, which 
mental picture has a tendency toward materialization. 


With this mental picture in his mind — if he holds to it 
long enough — ^he draws the things or conditions to 
him, and thus "thought takes form in action and be- 
ing." The majority of our fears and worries are 
silly little things that take our thought for a moment, 
and then are gone. They are great wasters of energy, 
but we do not concentrate on any one of them long 
enough to put into operation the Law of Attraction. 

And so you see, that unless you get rid of Fear, it 
will tend to draw toward you the thing you fear, or 
else force you toward the thing itself. Fear makes 
of the feared object a flame around which you circle 
and flutter, like the moth, until at last you make a 
plunge right into the heat of the flame and are con- 
sumed. Kill out Fear, by all means. 

"But, how may I kill it out?" you cry. Very 
easily! This is the method: Suppose you had a 
roomful of darkness. Would you start to shovel or 
sweep out the darkness? Or would you not throw 
open the windows and admit the light? When the 
light pours in, the darkness disappears. And so with 
the darkness of Fear — throw open the windows, and 
"let a little sunshine in." Let the thoughts, feelings, 
and ideals of Courage, Confidence and Fearlessness 
pour into your mind, and Fear will vanish. When- 
ever Fear shows itself in your mind, administer the 
antidote of Fearlessness immediately. Say to your- 
self: "I am Fearless; I Fear Nothing; I am Cour- 
ageous," Let the sunshine pour in. 




J^AITH" Is a word that has been often misused, 
^\ misapplied and misunderstood. To many it 
means simply that attitude of mind which will accept 
anything that is told it, merely because someone else 
has said it — credulity, in fact. But those who have 
penetrated within the shell of the word know that it 
means something far more real than this — something 
imbedded deep down in the Heart of Things. To 
those who understand the LAW, Faith is the trolley- 
pole which one raises to meet the Great Forces of Life 
and Nature, and by means of which one receives the 
inflow of the Power which is behind, and in all things, 
and is enabled to apply that Power to the running of 
his own affairs. 

To some, it may seem a far cry from Faith to 
Financial Success, but to those who have demonstrated 
the truths enunciated in this Httle book, the two are 
closely interwoven. For one to attain Financial Suc- 
cess he must first have Faith in Himself ; second. Faith 
in his Fellowman ; and third, Faith in the LAW. 

Faith in oneself is of primary importance, for unless 
one has it he can never accomplish anything; can 
never influence any other person's opinion of him ; can 
never attract to himself the things, persons and circum- 
stances necessary for his welfare. A man must first 
learn to believe in himself before he will be able to 
make others believe in him. People are prone to take 


a person at his own estimate. If one is weak, nega- 
tive and lacking in self-confidence, he surrounds him- 
self with an atmosphere of negativity which unfavor- 
ably impresses those with whom he comes in contact. 
If one be strong, confident and positive, he radiates 
Hke qualities, and those coming in contact with him 
receive an impression of these qualities. The world 
believes in those who believe in themselves. And so 
you see it is of the utmost importance to you that you 
cultivate this Faith in yourself. 

And not only does Faith in yourself operate in the 
direction of influencing others with whom you come 
in contact, but it also has a most positive bearing upon 
your own mental status and thoughts. If you deaden 
your mind with a negative attitude toward yourself, 
you stifle budding ideas, thoughts and plans — you 
choke the budding plants of your mentality. But, if 
you let pour forth a full, abiding, confident Faith in 
yourself — your abilities, your qualities, your latent 
powers, your desires, your plans — your Success, in 
short — you will find that the whole mental garden re- 
sponds to the stimulating influence; and ideas, 
thoughts, plans and other mental flowers will spring 
up rapidly. There is nothing so stimulating as a 
strong, positive **I Can and I Will'* attitude toward 

And you remember what has been said about the 
Law of Attraction — you remember how "like attracts 
like,'* and how one*s Mental Attitude tends to draw 
toward him the things in harmony with his thoughts. 
Well, this being so, can you not see that a Mental At- 
titude of Faith or Confidence in Oneself is calculated 


to attract to you that which fits in with such Faith — 
that will tend to materialize your ideal? 

"Confidence is the basis of all trade"; so says one 
of our recent business philosophers, and this statement 
is true ; for if we did not have Confidence or Faith in 
our Fellowman, all trade, all business, all commerce 
would come to a standstill. The wholesale merchant 
ships yearly hundreds of thousands of dollars' worth 
of goods to dealers in his territory. He has Faith that in 
thirty, sixty or ninety days those dealers will pay their 
bills and he will reap his profits. You go to the retail 
dealer and buy a suit, or dress, or hat, or groceries, 
having the same charged to your account. Your 
dealer has Confidence or Faith enough in you to let 
you have these goods, expecting that you will pay your 
bill when it falls due. This same rule holds good in 
almost every transaction in life. You must have con- 
fidence in a man before you care to deal with him. 

Some people seem to be of a naturally suspicious 
frame of mind, always of the opinion that somebody 
else is trying to "do" them. Others are gullible and 
swallow everything — bait, hook and line. Neither is 
the wisest frame of mind. It is much better to main- 
tain the thought of good-will, fellowship, and confi- 
dence towards one's fellowman, weighing all things 
impartially from an unprejudiced standpoint, and then 
render your decision after due thought from the facts 
in the case. But, by all means, have faith in your 

But, this Faith in Oneself, and Faith in your Fel- 
lowman, important though they be, are not the only 
kinds of Faith that one needs in order to attain Finan- 

PAGE 86 


cial Success. There is that which may be called Faith 
in the LAW. This may seem a little strange to you, 
but when you consider it for a moment, you will see 
just how it operates. 

You will note that nearly all successful men have 
a deep-rooted belief in Something Outside that helps 
them along. They do not know just what this Some- 
thing is — some call it **Luck"; some call it "their 
Destiny"; some call it their **Star'*; and why not? 
But under all of these names there is an instinctive be- 
lief in, and faith in a Something Friendly that helps 
them along, and carries them over the hard places, and 
rounds the sharp corners of business life. Watch any 
successful man, and you will see that even when he is 
not able to reason out the means whereby he is going 
to get over, or around, or under a set of difficulties, 
still he exhibits a hopeful faith and belief that he is 
"going to get through it somehow." And he does, if 
he holds on to his Faith. Something is there at work 
lending to *'pull him through." Ask any successful 
business man if this is not so. And this Something, 
that successful men instinctively trust in, is nothing but 
this great LAW that underlies all of the affairs of 
Life. The nearer that one can feel in contact with 
this LAW, the more power does he receive from it. 
And thus Faith is the underlying channel by which the 
Power of the LAW is transmitted to you. 

Why should you Fear? You seat yourself in a 
train or street-car, and read your paper, having Faith 
that the engineer or motorman will take you to your 
destination. You manifest this Faith in everyday busi- 
ness life. Without Faith in the Whole Thing, busi- 



ness would be impossible. You manifest Faith at 
every turn of the road. And this being so, why 
should you not manifest Faith in the underlying LAW 
which is manifesting in things? Do you suppose for 
an instant that this whole Cosmic Machinery is run 
by Chance? There is no such thing as Chance! 
Everything is run under some great LAW! And the 
Law of Financial Success is just as much a part of 
that great system of LAW as is the Law of Gravita- 
tion. You study the Laws of physical life, and find 
them invariable, and therefore worthy of bestowing 
Faith upon. Why should you not recognize the great 
Mental Laws operative in business life, and acquaint 
yourself with their workings? Why should you not 
have Faith in them? There is no better plan of bring- 
ing yourself into harmony with the Law of Financial 
Success, than to recognize and have Faith in it. Con- 
sider the careers of successful business men of your 
acquaintance, and see if this is not so. By doing so 
you will receive a new light on a heretofore dark sub- 


Latent Powers 

0P^N beginning this chapter, I am reminded of the 
^*^ words of Lovell: "There are infinite powers 
lying dormant in man, here, now — powers which, 
could he but catch a glimpse of, would endow his life 
on this planet with greater splendor, and impart to it 
a redoubled interest." 

The man who regards himself as a creature built 
on a certain mental plan, and incapable of any ma- 
terial change beyond an improvement of the faculties 
already being expressed, sees but a small portion of 
the truth regarding himself and his possibilities. Very 
few men express or manifest more than a small part 
of their latent power. They live long lives and go 
down to their graves without suspecting that within 
their mental kingdom there had reposed dormant facul- 
ties, and latent powers which, if expressed, would have 
enabled them to have lived far wider, broader, fuller 

Nearly every man who has attained success along 
any of the varied lines of human endeavor will tell you 
that at some period of his life he was called upon to 
assume certain responsibilities — undertake some unac- 
customed task — play some unfamiliar part on life's 
stage — and then much to his surprise found that he 
had within him the power, capability, and qualifica- 
tions for a successful accomplishment of the strange 
task. The crucial point was when he was brought 


face to face with the new undertaking. If, as is the 
case with the majority of men, he lacked nerve enough 
to say **I Can and I Will," the story was ended. 
But if he had that Something within him which en- 
abled him to assert his determination to face the thing 
manfully and at least to go down with his flags fly- 
ing rather than to run away, he would find much to his 
surprise that there was within him a power which re- 
sponded to the needs of the hour and which enabled 
him to master the undertaking. 

These experiences are not exceptional or unusual — 
they are part of the common experience of nearly all 
successful men. And successful men get to realize that 
they have within them, hidden in some of the many 
recesses of the mind, latent powers, unsuspected tal- 
ents, and dormant faculties which are awaiting calmly 
the hour of their call to action. The human mind is 
far from being the simple every-day thing that man 
regards it. There are hidden chambers, and unex- 
plored regions. Science is just beginning to learn 
some of these heretofore unsuspected truths about the 
mind, and the result is dazzling the observer whose 
eyes are suddenly seeing the brilliant truths. There 
seem to be within every man possibilities of which 
he has never even dreamed. There seem to be capa- 
bilities, the extent of which has never entered into 
even his wildest imagination. Some sudden call, 
some new responsibility, some new turn of fortune's 
tide, and the man is called upon to demand of 
his mentality all that it is holding in store for him — 
and he is seldom disappointed, providing he has the 
nerve and courage to make the demand. Aye, but 

PAGE to 


there's the rub — few have that courage and nerve. 
Have YOU? 

I know personally a man whose life up to the age 
of thirty-eight had been spent in active business and 
professional life. The thought of writing for the pub- 
lic had never occurred to him. All of a sudden, by 
one of those strange upheavals that come into the lives 
of men, all was carried away from him. His health 
was shattered, his accumulations were swept away, he 
was apparently lifted up and placed in a new, strange 
and seemingly unpromising environment. He had his 
family to support — he had practically nothing left with 
which to do it. His health was broken, and it was im- 
possible for him to re-engage in his accustomed occupa- 
tion. While building up his health, he helped a new 
friend to get the mechanical part of a monthly maga- 
zine in shape. At the last moment his friend discov- 
ered that they were short several pages of matter, 
and the printers were impatiently asking for their full 
supply. The friend was too busily occupied to write 
the additional matter, and so in desperation, he turned 
to my friend and said, *'Did you ever write anything 
for publication?'* "No," was the answer. **Well, 
somebody has got to write something, and mighty 
quick, too. Have you nerve enough to try it?" 
"Yes,'* was the reply. "I'm like the boy digging for 
woodchuck, who was asked whether he expected to 
catch it, and who replied, *You bet I do — we've got 
the preacher for dinner, and no meat in the house — 
I've just got to catch that woodchuck.' And so like 
the boy, I've just got io^ and I Can and I Will!" 
And he did. 


He sat down to write to fill that space, although he 
had never written a line for publication before. He 
made a mighty effort of his Will, urged on by an im- 
perative Desire, and almost in a daze he found his 
hand at work writing, easily and rapidly. Before 
long the article was turned out — and it was good. 
This success led to others, and that man has been writ- 
ing books, editing magazines, and doing other work of 
that kind for the past seven years, and he has been 
successful all along the line. Within six months after 
the incident noted above, he had completed a book that 
has since run through over twenty editions. And 
since then he has written and had published over a 
dozen other books on various subjects, none of which 
have failed to reach his public and all of which have 
run through a number of editions. Inside of two years 
after the above incident, he was editing a magazine, 
built up by his writings, and which attained a circula- 
tion of over one hundred thousand per month. 

And yet this man had never written a line up to that 
time. An apparently chance opportunity caused him 
to face the question, **Can You?'* And instead of 
saying, *'Oh, no, Tve never done that kind of work — 
it is impossible," he answered like the boy after the 
woodchuck: "IVe just got to — I Can and I Will." 
He met the crucial test — had nerve enpugh to tackle 
the seemingly impossible proposition, and then found 
within himself unsuspected power, strength and ability 
— and won out. 

Is this merely a lesson in facing difficulties, and cul- 
tivating nerve and self-confidence? Not entirely — it 
teaches these things and also teaches the still greater 

PAGE 42 


truth that every man has within himself wonderful 
powers, lying dormant and unsuspected, which are 
merely awaiting the word of the master Will, impelled 
by a burning, eager, ardent desire, to spring at once 
into being, full armed and equipped for the fray. And 
these powers and capabilities come under the LAW — 
they are a part of that great Something behind, under- 
neath, and within us all. The recognition of the ex- 
istence of such powers is the first step toward their 
development and unfoldment. 

You think that you have not ability for Financial 
Success, simply because you do not realize the exist- 
ence of these latent powers within you. If you were 
brought suddenly face to face with the necessity of 
awakening these powers into action, and could muster 
up enough courage to say '*I Can and I Will,'* you 
would find the ready response from within, and the 
steady flow of knowledge, wisdom, power and ability 
with which to accomplish the task set before you for 

And so my parting words in this chapter are: Do 
not hesitate to accept any new responsibility, whether 
the same is forced upon you, or whether you reach out 
for it yourself. Say to yourself over and over again, 
**I can and I will accomplish this task. It never 
would have been put before me unless I were able." 
And you will be surprised and delighted at the new 
and wonderful powers that will spring forth from your 
sub-conscious self to aid you in your undertaking. 

These are not mere idle words, designed to make 
pleasant reading. They are the words of truths that 
have become apparent to every successful man or 

Page 43 


woman. Talk with the successful people of die 
world, and they will tell you that they have had this 
experience over and over again — new opportunities 
and new necessities brought to them new faculties, and 
new powers, heretofore undreamed of. The demand 
always brings the supply, if we will but open ourselves 
to the inflow from the great Source of Supply — the 
Universal Power House. 



"CWMBITION"— what a glorious word ! How 
'^^ the very sound of it stirs one*s energies, and 
makes one feel the inspiration to be up and at work 
doing things, succeeding, creating, accomplishing! 

And what does Ambition really mean, pray? It 
means more than a mere eagerness for things. It 
means the deep-seated desire to materialize certain 
ideals which exist in the mind as mental pictures. Be- 
fore one can accomplish things he must be possessed 
of Ambition. And before he can feel Ambition he 
must have the preceding hunger which causes him to 
manifest Ambition with which to satisfy it. And so 
it follows, anything that will stimulate that mental 
hunger, will arouse Ambition, and thus create that 
eagerness for action and attainment. And how may 
that mental hunger be produced? 

There is a psychological law underlying this mental 
hunger that manifests as Ambition. And that law is: — 
that in order for that mental hunger to he manifested 
it must have ideals presented to the mind's eye. Just 
as the gastric juices of the stomach may be stimulated 
and caused to flow by the sight, smell, or thought of 
food, so is this mental hunger produced by the sight, 
thought or idea of the things needed for its satisfac- 
tion. If you are contented with your present life, 
and want nothing better, it is chiefly because you tnon> 
nothing better — have seen nothing better — have heard 


of nothing better, or else you are mentally and physi- 
cally lazy. The ignorant savage seeking to till his 
land by means of a sharpened stick, cannot desire a 
steel plow or other agricultural implements if he 
does not know of them. He simply keeps right at 
work in his old way — the way of his forefathers — 
and feels no desire for a better implement. But 
bye-and-bye some man comes along with a steel plow, 
and our savage opens his eyes in wide surprise at the 
wonderful thing. If he be a savage of discernment 
he begins to get up an interest in the new thing. 
He watches it at work, and sees how much better it 
accomplishes the task than does his rude pointed stick. 
If he be a progressive savage, he begins to wish he 
had one of the strange new implements, and if he 
Tvants it hard enough he begins to experience a new, 
strange feeling of mental hunger for the thing, which 
if sufficiently strong, causes his Ambition to bud. 

And this is the critical point. Up to this time 
he has felt the strong Desire preceding Ambition. 
But now with the dawn of Ambition comes the arous- 
ing of the Will. And this is what Ambition is, A 
Strong Will Aroused fcp a Strong Desire. 

Without these two elements there can be no Ambi- 
tion. Desire without Will is not Ambition. One 
may want a thing very hard, but if he does not arouse 
his Will sufficiently strong to actively co-operate with 
the Desire, his Ambition will *'die a'borning.*' And 
though one's Will be as strong as steel, yet if there 
be not a strong Desire animating and inspiring it, it 
will not manifest as Ambition. 

To manifest Ambition fully, one must first eagerly 

PAGE 40 


desire the thing — not a mere "wanting'* or "wishing" 
for it, but a fierce, eager, consuming hunger which de- 
mands satisfaction. And then one must have a Will 
aroused sufficiently strong to go out and get that which 
Desire is demanding. These two elements constitute 
the activity of Ambition. 

Look around you at the successful men of the world 
in any line of human efFort and endeavor, and you 
will see that they all have Ambition strongly developed. 
They have the fierce craving of Desire for things, and 
the firm Will which will brook no interference with 
the satisfaction of the Desire. Study the lives of 
Caesar, Napoleon, and their modern counterparts, the 
Twentieth Century Captains of Industry, and you will 
see the glare of this fierce Ambition burning brightly 
and hotly within them. 

The trouble with the majority of the people is that 
they have been taught that one should take what was 
given him and be content. But this is not Nature's 
way. Nature implants in each living being a strong 
desire for that which is necessary for its well-being 
and nourishment, and a strong rvill to gratify that 
natural desire. On all sides in Nature, you may see 
this law in effect. The plant and the animal obey 
it, and are not afraid. But Man, as he ascended the 
scale of evolution, while seeing the necessity and ad- 
vantage of curbing and restraining certain tendencies 
and desires, which if freely gratified, would work harm 
on himself and upon society, has swung to the other 
extreme. In cutting off the dead branches of Desire, 
he has lopped off some live ones at the same time — 
thai is, the majority of men have— the few who 

PAGE 47 


haven't reach out and gather to themselves the good 
things of life, throwing the '*cores** and leavings to 
the rest. 

There is no earthly reason why a man should not 
earnestly desire the good things of life — no reason 
why he should not stimulate that fierce hunger for at- 
tainment by painting mental pictures of what he needs 
— by looking upon the good things in the world in the 
possession of others, so that he can see what he wants. 
"But does this not arouse covetousness?" you may ask. 
Not at all — you are not coveting the things the others 
have, but are merely desiring other things like them. 
You are willing that these other people should retain 
their things, hut are demanding similar good things 
for yourself. This is not covetousness, but laudable 

And laudable Ambition is all right. There is 
enough of the good things of life in this world for all 
of us, if we demand them, and reach out for them. 
Demand causes supply, in and under the LAW, so 
be not afraid. Arouse your Ambition — it is a good 
thing and not something of which to be ashamed. 
Urge it on — feed it — stimulate its growth. It is not 
a foul weed, but a strong, vigorous, healthy plant in 
the garden of life, bearing more fruit than any other 
growing thing there. 

Do not let the argument that men have used Ambi- 
tion to accomplish evil ends disconcert you. Every 
natural law is capable of being used for good or evil. 
Because any law has been used for evil, it is no reason 
why those who desire to do good should avoid it, and 
refrain from using it for right purposes. To do so 

PAGE 48 


would be like the Angels of Light running away and 
leaving the powers of darkness in possession of all the 
good things of the world. The best way is to grasp 
the weapon and turn it against the enemy. 

The LAW is there awaiting man's use. If you 
prefer to leave it for the evil disposed persons, very 
well, that is your own loss. But the wise, the sane, 
the strong men of the day are now reaching out for 
the use of the LAW and are accomplishing great 
things by reason of it. When the Many use the 
LAW, the Few will cease to be the sole possessors 
of the good things of life, which alas! so many of 
them have misused. When the secret is generally 
known, the evil will be eradicated and good will su- 
persede it. 

Therefore, be not afraid to stand boldly out, cry- 
ing: **I want this, and I am going to have it! It is 
my rightful heritage, and I demand it of the LAW!" 
Be ambitious to attain Financial Success because that 
is the goal for which you are striving. 

PAGE 49 



^51 N some of the previous chapters I have spoken of 
-^n the operation of Desire and Will in the manifes- 
tation and expression of personal power under the 
LAW. Now, while there have been many writers 
who have discoursed ably regarding the mighty power 
of the Will, there have been but few who have given 
to the subject of Desire the attention that it deserves, 
and the consideration it merits. Many persons seem 
afraid to speak of Desire, for they have gotten the 
term and idea mixed up with desires of an unworthy 
and detrimental nature. They have overlooked the 
fact that Desire must underlie all human action — must 
be the causing power back of and underneath Will 

We might compare Desire with the fire that burns 
brightly beneath the receptacle containing water, which 
latter represents the mind. Unless the fire of Desire 
burns brightly and imparts its heat to the water, or 
mind, there will be nothing but water. But let the 
fire manifest its ardent energy and heat, and lo! the 
water is converted into steam which turns mighty 
wheels, and drives powerful machinery, and in fact 
**makes things go." We are apt to forget the causes 
that have operated in order that the steam be pro- 
duced, in our wonder, amazement and admiration of 
the power and effect of the manifested steam. But, 
in order to get the right idea of the matter fixed in our 


mind we must take into consideration the water of the 
mind, and the fire of Desire. 

The mind is well represented by water, for it is un- 
stable, changeable, in motion, having eddies, storms, 
ripples and calms. And Desire is well represented 
by fire, for it is ardent, hot, strong and burning, and 
when manifested properly invariably acts upon the 
water-mind and produces the will-steam which may be 
turned to the accomplishment of any task, and the 
moving of the material necessary for our plans. By all 
means keep the fire of Desire brightly burning under 
your mental boilers, and you will be sure to manifest 
the proper amount and degree of the steam of Will 
which may then be applied to the accomplishing of 
your life tasks. 

If you will keep the figure of speech before your 
mind — this idea of tlie fire of desire, the water of the 
mind, and the steam of will — you will find it easier 
to put into operation these great mental forces, and to 
be known as the man or woman of the **Strong Will.'* 
But if you allow the fires of Desire to burn low, or 
to become clogged with the ashes of dead and gone 
things, long since exhausted and useless, you will find 
that there will be little or no steam of will produced, 
and you will be in the position of the majority of 
people who are like tea kettles simmering over a faint 
fire, and accomplishing nothing. 

Unless you want a thing *'the worst way,** and 
manifest that Desire in the shape of a strong impelling 
force, you will have no will with which to accomplish 
anything. You must not only "want** to do a thing, 
or to possess a thing, but you must "want to hard.'* 


You must Ti)ant it as the hungr}) man wants breads 
as the smothering man rvants air. And if pou will 
but arouse in yourself this fierce^ ardent^ insatiate De- 
sire^ })oui will set into operation one of Nature s most 
potent mental forces. 

What is that great impelling force that you have 
felt within yourself whenever you have made a mighty 
effort to accomplish something? Is it not that surging, 
restless, impelling force of your being that you know 
as Desire? Did you do the thing simply because you 
thought it best, or because you felt within yourself a 
strong feeling that you WANTED to do the thing,, 
or to possess the thing, in the strongest possible way? 
Did you not feel this strong force of Desire rising 
within you and impelling you to deed, and action? 

Desire is the great moving power of the Mind — 
that which excites into action the will and powers of 
the individual. It is at the bottom of all action, feel- 
ing, emotion or expression. Before we reach out to 
do a thing, or to possess a thing, we must first **want 
to," and in the degree that that "want-to" is felt, so 
will be our response thereto. Before we love, hate, 
like or dislike, there must be a Desire of some kind. 
Before we can arouse ambition there must be a strong 
Desire. Before we can manifest energy, there must be 
a strong impelling Desire. 

Did you ever stop to think that the difference be- 
tween the strong of the race, and the weak, is largely 
a matter of Desire? The degree of Desire manifests 
in the different degrees of strength and weakness. The 
strong men of the race are filled with strong desires 
to do this thing, or to possess that. They are filled 

PAGE 68 


I— MB^^i— ■^^■■■■■■■■■■immWIIW Ill ■ II ■ ■I H I H i m i M li—llBPWIIIIIIIIIIII H IM H IIIIIIII W I M 

with that strong creative Desire that makes them want 
to build up, create, modify, change, and shift around. 
It is not alone the fruits of their labor that urge them 
on, but that insistent urge of the creative Desire that 
drives them on. 

Do not be afraid to allow your Desire for Finan- 
cial Success to burn brightly. Keep the ashes of past 
failures, disappointments, and discouragements well 
cleared away so that you may have a good draught. 
Keep the fire of Desire burning brightly, ardently and 
constantly. Do not be sidetracked by outside things, 
for remember, concentrated Desire is that which pro- 
duces the greatest steam producing power. Keep your 
mind fixed on that which you want, and keep on de- 
manding that v/hich belongs to you, for it is your own. 
The Universal Supply is adequate for all needs of 
everyone, but it responds only to the insistent demand 
and the earnest Desire. Learn to Desire things in 
earnest, and rest not content with a mere wanting and 

Desire creates Mental Attitude — develops Faith — 
nourishes Ambition — unfolds Latent Powers — and 
tends directly and surely toward Success. Let the 
strong, dominant desire for Financial Independence 
possess you from the tips of your toes to the roots of 
your hair, — feel it surging through every part of your 
body — and then don*t stop until you reach your goal. 


Will Power 

"(?^ WELL for him whose Will is strong I/' 
^^ writes Tennyson, and the poets of all nations 
and times have sung the same song. Tennyson well 
voices this human regard and admiration for the power 
of the Will. He tells us again: "O living Will, thou 
shalt endure, when all that seems shall suffer shock." 

The Will of man is a strange, subtle, intangible, 
and yet very real thing that is closely connected with 
the inmost essence of his "I." When the "I" acts, it 
acts through the Will. The Will is the immediate 
expression of the Ego, or **!'* in Man, which rests at 
the very seat of his being. This Ego, or *'!" within 
each of us — that inmost self of each one of us — 
expresses itself in two ways. It first asserts *'I Am,** 
by which it expresses its existence and reality; then it 
asserts *'I Will,** by which it expresses its desire to 
act, and its determination to do so. The **I Will'* 
comes right from the center of your being, and is the 
strongest expression of the Great Life Force within 
you. And in the degree that you cultivate and express 
it, is the degree of positivity that you manifest. The 
person of weak Will is a negative, cringing, weakling, 
while he of strong Will is the positive, courageous, 
masterful individual in whom Nature delights and 
whom she rewards. 

The human Will is an actual living force. It is 
just as much an active force of Nature, as is Elec- 

PAGE U „„^ 


tricity. Magnetism, or any other form of natural force. 
Will is as real an Energy as is gravitation. From 
atom to man, desire and Will are in evidence — first 
comes the desire to do a thing, and then comes the 
Will that does it. It is an invariable law pervading 
all natural forms, shapes, degrees of things — animate 
and inanimate. 

Nothing is impossible to the man who can Will — 
providing he can Will sufficiently strong. And as 
Will depends so very much upon one's belief in his 
ability, it may be said that all action depends upon 
belief. One does not Will unless he believes that he 
has a Will. And many a man of inherent strong Will 
does not express it or exert it, simply because he does 
not realize that he possesses it. It is only when the 
necessity arises from some new unexpected demand 
for the exercise of the Will, that many men realize 
that they really possess such a Will. To many, alas, 
such a necessity never comes. 

In speaking about the Will, I do not mean stub- 
bornness. You will find plenty of people who are as 
stubborn as mules and their friends and neighbors will 
say that "they are strong-willed,** meaning by this 
that when they decide a thing '*is so, it*s so, and you 
can*t make me believe it isn't." This is the mulish 
attitude of mind coming from prejudice or ignorance 
and has nothing to do with the Will. The man with 
the strong Will knows when to recede from his posi- 
tion as well as when to go forward; he never stands 
still. When the occasion warrants it, he steps back, 
but only for the purpose of getting a better start, for 
he always has a definite goal in view. When the 


command from within calls him to go forward, he 
drives right ahead like the mighty ocean steamer, 
majestic in his power and stopping for nothing. This 
frame of mind is best illustrated by the following 
quotation written of Howard the philanthropist: 

"The energy of his determination was so great, 
that if instead of being habitual, it had been shown 
only for a short time on particular occasions, it would 
have appeared a vehement impetuosity; but, by being 
unintermitted, it had an equability of manner which 
scarcely appeared to exceed the tone of a calm con- 
stancy, it was so totally the reverse of anything like 
turbulence or agitation. It was the calmness of an 
intensity, kept uniform by the nature of the human 
mind forbidding it to be more, and by the character 
of the individual forbidding it to be less.'* 

The subject of the development of the Will is too 
large for a single chapter of any book. It is the 
study of a lifetime. Several fine books have been 
written covering the subject fairly well, but the best 
so far, are two recent books by Haddock, "Power of 
Will" and "Power for Success" which contain the 
essence of about everything ever written on the subject 
that is of value to one who desires development along 
these lines. Buy and study these books by all means. 

The writer believes that the basis of all personal 
power resides in the Will and that if one intends to 
accomplish anything in this world he must acquire a 
powerful Will. The best way to do this is to first 
recognize your lack, and then by constant affirmations 
of 'T can and I will accomplish this thing," and by 
the repetition of selections on the Will, taken from 


the best literature, build up within yourself, little by 
little, an invincible power and energy that will over- 
come every temptation to side-track you from your 
life purpose. At the end of this chapter I have ap- 
,pended some excellent selections and others you will 
find scattered throughout the book. These selections 
can be memorized and then repeated in times of trial 
and discouragement and they will prove invigorating 
tonic for the depressed mind. 

The proper attitude of the student of the Law of 
Financial Success is that mental attitude which may 
best be expressed as the "I CAN AND I WILL" 
state of mind. In this mental attitude there are com- 
bined the two primary elements of the accomplishment 
of things. First there comes that belief in one's ability, 
powers, and force, which begets confidence, and which 
causes one to make a clear mental channel over which 
the Will flows. Then, second, comes the assertion 
of the Will itself— the yi WILL" part of it. When 
a man says "I WILL" with all the force and energy 
and determination of his character being poured into 
it, then does his Will become a very Dynamic Force 
which sweeps away obstacles before it in its mighty 

Not only does this expression of the Will stir into 
activity the latent powers and dormant energies of the 
man's mind, bringing to the accomplishment of the 
task all his reserve force, power and strength, but it 
does much more. It impresses those around him with 
a mighty psychical power which tends to beat down 
their opposing wills, and leads them captive. In all 
conflicts between men, the strongest Will wins the day. 

PAGE 57 

^^1^1^— — — I— ^^iiBiiMM^MMi^— i^iaiiiiiwiB iiimmiiim—iiwi^— —■■■■! 


The struggle may be short, or it may be long, but 
the end is the same always — the man of the strongest 
Will wins. 

And not only does the awakened Will do this, but 
it also acts in the direction of affecting tliose at a dis- 
tance from the person. It sets into motion certain 
natural laws which tend to compel things toward the 
center occupied by a mighty Will. Look around you, 
and you will see that the men of giant Wills set up a 
strong center of influence, which extends on all sides 
in all directions, affecting this one and that one, and 
drawing and compelling others to fall in with the 
movements instigated by that Will. There are men 
who set up great whirlpools or whirlwinds of Will, 
which are felt by persons far and near. And, in fact 
all persons who exert Will at all, do this to a greater 
or lesser extent, depending upon the degree of Will 

Read, study, and absorb the following selections: 

*'The education of the Will is the object of our 
existence.'* * * * 

"TTiey can who think they can. Character is a 
perfectly educated Will." 

* * * 

"Nothing can resist the Will of a man who knows 
what is true and wills what is good." 

*'To will evil is to will death. A perverse Will 
is the beginning of suicide.** 


*'In all difficulties advance and Will, for within 
you is a Power, a living Force which, the more you 
trust and learn to use, will annihilate the opposition 
of matter." ^ ^ ^ 

**The star of the unconquered Will, 

He rises in my breast. 
Serene and resolute and still. 

And calm and self-possessed.** 

**So nigh is grandeur to our dust. 

So near is God to man. 
When Duty whispers low, 'Thou must!' 

The youth replies, *I can.* ** 

**I will to will with energy and decision! I will 
to persist in willing! I will to will intelligently and for 
a goal! I will to exercise the will in accordance witli 
the dictates of reason and of morals.'* 

*'The human will, that force unseen. 
The offspring of a deathless soul. 

Can hew a way to any goal. 

Though walls of granite intervene. 

**You will be what you will to be. 
Let failure find its false content 

In that poor word environment. 
But spirit scorns it and is free. 


**It masters time, it conquers space. 

It cows that boastful trickster, chance, 
And bids the tyrant circumstance 

Uncrown and fill a servant's place.** 

"There is no chance, no destiny, no fate. 

Can circumvent, or hinder, or control 
The firm resolve of a determined soul. 

Gifts count for nothing, will alone is great; 
All things give way before it soon or late. 

What obstacle can stay the mighty force 
Of the sea-seeking river in its course. 

Or cause the ascending orb of day to wait? 
Each well-born soul must win what it deserves. 

Let the fools prate of luck. The fortunate 
Is he whose earnest purpose never swerves. 

Whose slightest action, or inaction 
Serves the one great aim. Why, even Death itself 

Stands still and waits an hour sometimes 
For such a will,'* 



|OU will have noticed that in the preceding chap- 
ters I have begun a serious campaign in the direc- 
tion of having you "make yourself over" mentally, in 
order to bring you under the operation of the Law of 
Financial Success. You will remember that first I tried 
to get you to regard Money in a new light — as a 
natural supply akin to the nourishment of the plant, 
and coming under the same general law of Natural 
Supply and Demand. 

Second — I urged upon you to build up the proper 
Mental Attitude, showing you how by so doing you 
would cultivate in yourself the faculties, qualities and 
powers conducive to success; the qualities likely to at- 
tract and influence people with whom you come in ccn- 
tact; and the mental state which would set into opera- 
tion the beneficent phases of the Law of Attraction. 

Third — I proceeded to get Fear and Worry out 
of your mental system. 

Fourth — I went on to cultivate the quality of Faith 
in you. 

Fifth — came the consideration of the Latent Pow- 
ers and the rules for their unfoldment. 

Sixth — came the explanation of the nature of Am- 
bition, and the urge to cultivate and develop it. 

Seventh — came the explanation of the wonderful 
effect and office of Desire, and the advice to cultivate 
Desire as a means of cultivating Will. 

PAGE 61 


Eighth — I gave you instruction for the development 
of a powerful Will, the acquirement of v^hich means 
so much to you. 

Now, if you will stop a moment, you will see thai 
the practical application of the instruction given and 
the precepts laid down for your guidance require a 
certain "making over" of yourself, on your part. 

This being so the question arises: **How may I 
best accomplish the 'making-over' process?" And to 
answer this question, I shall now devote several chap- 
ters, for in the answering lies much of the essence of 
this instruction that I am desirous of imparting to you. 
And so this is the reason that we now take up the 
subject of "Auto-Suggestion," a subject of the greatest 
importance to you, and which has engaged the minds 
of scientific men for the past few years. Let us 
hasten to a consideration of the subject. 

In the first place the term "Suggestion," as used 
by psychologists means "an impression made upon the 
mind of another." And an "auto-suggestion" is an im- 
pression made upon one*s own mind in a manner similar 
to that used in impressing the mind of another. You 
will see this a little clearer in a moment. The whole 
essence of Suggestion lies in the idea of '* impression.'* 
Think of the mind as a wax substance, and the Sug- 
gestion as a die making an impression on the wax, 
and there you have it. 

If you can manage to get in a strong Suggestion on 
the mind of a person, you really impress your notion 
or idea upon his mental wax, so to speak. Suggestion 
is not a matter of argumentative effort, but a process 
of saying a thing so positively, earnestly and convinc- 


Ingly that the other person takes up the idea Tvithout 
argument. We may be impressed by a man's earnest- 
ness, his manner, his attitude, his dress, and in many 
other ways, but the principle is the same — if we are 
impressed by something about him, we have taken the 
Suggestion. Do you see what I mean? 

Well, one may turn this Suggestive die upon the 
wax of his own mind and by repeated impressions may 
fix certain ideas, qualities, and characteristics upon it 
so that he will have really made himself over to that 
extent. It is a case of '*sez I to myself, sez T' — 
often repeated until "I" believes what "I sez." You 
know how a man may get to actually believe some old 
lie that he has been telling for some time. A man may 
act out a certain assumed character, until he actually 
becomes like the character. There are plenty of old 
chaps strutting around to-day with these assumed 
characters, which not only fool the people with whom 
they come in contact, but also actually fool the men 
themselves. Now if this be true about things of this 
kind, how important does the principle become when 
applied to the creation of new characteristics and 
qualities in oneself that are conducive to success. You 
all know just about what you need, and now here is 
the way to go about getting them. 

To many people Auto-Suggestion means simply the 
repeating of certain words to themselves, like **I am 
Energetic — I am Ambitious** etc., etc. Now this 
plan is all very well, for a constant impression of this 
kind will undoubtedly tend to develop the suggested 
qualities in one. But there is a far more scientific 
plan known to psychologists, and that is the one I am 


going to urge upon your consideration. It is that not 
only should one "say" things to himself, but that he 
should also create Mental Images of the desired thing, 
and should also act out the part he wishes to play, 
in a sort of extended preliminary rehearsal. 

All this may seem odd to you unless you have 
studied the psychological principles underlying it, 
which I have not time to go into here. The thing 
to remember is that constant thinking of a desired 
quality of mind, accompanied with the indulgence in 
the Mental Picture of yourself as actually possessed 
of the quality itself; and also accompanied by an 
"acting out*' of the part you would like to play will 
in due time so impress and mould your mind that you 
will actually possess the quality itself. Here is a 
great psychological law I have expressed. Read it 
again, study it, and make it your own. 

For instance, let us suppose that you lack Ambition. 
Well, the first thing is to rouse the Desire to become 
Ambitious. TTien start in the plan of "sez I to myself, 
sez I," and make constant affirmation of the fact that: 
*'I am Ambitious — verp Ambitious — my Ambition 
gron^s every day,*' and so on. Then picture yourself 
in your imagination as being Ambitious — see yourself 
as moving around in the world possessed of an in- 
satiable Ambition which is leading you to strenuous 
action and wonderful accomplishments. Then begin 
to act out the part of the Ambitious man — study some 
Ambitious man until you catch his feelings and then 
begin to look Ambitious; talk in the tones of a man 
possessing Ambition; walk like an Ambitious man — 
in short act out the part to the smallest details. Now 

PAGE 64 ____„__„____«_„^ 


remember I do not mean to copy the mannerisms of 
the man you have taken for your model — this is not 
the thing at all. Simply study him until you can get 
his feelings — until you can recognize the Ambitious 
emotion and Mental Attitude animating him, and then 
go to work to feel the same inward feeling yourself, 
and to act out the feeling. If you can once get the 
feeling, then all you've got to do is to act it out right. 
You will find that this plan of mental discipline and 
exercise may be used for the acquirement of any and 
every one of the positive qualities you may desire to 
acquire and possess. This is no mere theory, but is 
a scientific fact known to and taught by some of the 
leading authorities on the subject in the world. It 
has been the basis of the making over of thousands of 
people, some oF whom have paid enormous fees to 
teachers for just this plain advice, elaborated and 
padded out into long series of personal lectures and 
lessons. I offer you something here that is well 
"worth while." Now it is for you to take it and use it. 




LL through Nature, and Nature's manifestations, 

lere exists rhythm and Harmony. Everything in 
the Universe is in unceasing action. There is a univer- 
sal vibratory movement apparent everywhere. From the 
atoms, and the particles composing the atoms, up 
through all the material combinations and groupings 
there is constant, incessant vibration and motion. And 
from this constant motion, and running through its 
entire manifestation, there is apparent a constant and 
invariable law of rhythm. Just as there is a rhythm 
apparent in all that we call music, so is there a rhythm 
in the music of Nature. And from that rhythm pro- 
ceeds that which we call Harmony. 

The planets as they swing in regular orbits around 
the sun — yes, the suns as they swing around still 
greater suns — and so on until the mind fails to grasp 
the wonder of it all — all manifest rhythm. The sea 
in its manifestation of the rise and fall of the tides, 
exhibits rhythm. The heart of man breathes in rhyth- 
mic measure. In the great waves of light traveling 
to us from the sun and stars, millions upon millions 
of miles away, there exists a rhythmic measure reg- 
istered upon the delicate instruments of science. 

You have heard of the wonderful force latent in the 
rhythmic measure of music. You have read of in- 
stances in which mighty bridges have been shattered 
by the note of the violin constantly sounded in an 


uninterrupted rhythm. It seems almost incredible, but 
it is true that the soft note of a tiny violin, constantly 
sounded in regular rhythm can become powerful 
enough to make the bridge first tremble, and then shud- 
der, and then sway to and fro until it finally collapses. 
Science teaches us that even the mighty steel sky- 
scrapers of our great cities could be brought to the 
ground in a mass of twisted steel rods, if one were 
but to ascertain the keynote of the entire building, and 
then manage to start into motion the vibrations of a 
strong musical instrument, constantly sounding that 
one keynote, over and over again, for hour after hour, 
until the great giant structure would * 'catch the mo- 
tion'* and begin to tremble. 

*'To catch the motion,*' that is it. If we could but 
**catch the motion" of Nature's great rhythmic har- 
mony we could accomplish anything. And this is not 
such a wild dream as might be supposed at first 
glance. There is a great rhythmic harmony inherent 
in the mind of man. Just as the bridge has its key- 
note, so has the mind of each man, and the great mind 
of the race of men. And if we will but withdraw 
ourselves from the incidents and distractions of the 
outer life and retire for a moment or so within the 
inner regions of ourselves, we may catch the faint echo 
of that great Universal Harmony of the mind, sound- 
ing clear and well defined. If we can do this, we 
have but to take up the mental keynote and sound 
it until we make our influence felt. 

Men of the busy world — the "practical" men of 
our day — are beginning to realize this fact, and we 
hear strange stories of such men closing their private 

PAGE 67 


office doors for a few moments during the day, and 
communing with themselves, withdrawing their atten- 
tion from the distracting thoughts and scenes of the 
outside world. This is no mere transcendental idea, 
but a fact that many shrewd business men of the day 
are turning to good account. 

Remember, that *'in quietness there is strength.*' 
Every person who is ambitious and has a definite 
object in life, should take a few minutes off each day, 
and sit alone, giving himself a chance to think, medi- 
tate, and allow the great rhythmic harmony of Nature 
to flow through his cleared mind, and thus gain re- 
newed strength and energy. It is in these quiet mo- 
ments, when the outer mind is relaxed and resting, that 
the inner mind flashes to us that which is best for 
us to do. We should cultivate this habit in moments 
of meditation, when we may escape from the people 
and crowd, and thus be able to listen to the voice that 
sounds from within. By doing this we place ourselves 
in harmony with the great Universal Power from 
which all original ideas spring into our mental organ- 
ism ready for use a few moments later when we re- 
emerge into the world of action and of men. 

Here are a few directions for entering into harmony 
with the Universal Rhythm of Nature: First, your 
mental attitude must be right. You must have gained 
control of your thoughts and words, so that your mind 
is open and receptive to the great good of the world. 
There must be no hate there, no discouragement, no 
pessimism, no negative, cringing, worm-of-the-dust or 
poverty thought — your frame of mind must be that 
of good-will, encouragement, optimism, with positive 


thoughts expectant of wealth, prosperity, and all the 
good things that man, heir of the universe, is entitled 
to by right of his sonship. This latter mental attitude 
will surround you with a personal thought atmosphere 
which repels from you the negative or evil things and 
attracts to you the positive or good things of life. 

When you are satisfied that your personal atmos- 
phere is right, then each day, preferably between 
twelve and one o'clock, or if that time is not con- 
venient, early in the morning just after your bath, 
close the doors of your room, shutting out everybody 
and everything for a few moments. Take precautions 
that you shall not be disturbed, and then put away 
from your mind the fear of interruption and dis- 
turbance. Take a position of restful and peaceful 
calm. Relax every muscle, and take the tension off 
of every nerve. Take a few deep restful breaths, 
which will seem like great sighs, and will tend to 
relax your body and mind. Then detach your thoughts 
from the outer world, and things, and turn the mind 
inward upon yourself. Shut out all the material cares, 
worries and problems of the day and sink into a mental 
state of peaceful calm. Think *7 open mpself to the 
inflon} of the Universal Rhythmic Harmon]),** and 
you will soon begin to feel a sense of relationship with 
that Harmony coming into you, filling your mind 
and body with a feeling of rest and peace, and latent 
power. Then shortly after will come to you a sense 
of new strength and energy, and a desire to once more 
emerge upon the scene of your duties. This is the 
time for you to close the meditation. Do not seek 
to prolong it, but go forth with your new energy. 

PAGE 69 


filled with the vibrations of the Universal, and you 
will see how refreshed and vigorous you are, and how 
your mind leaps eagerly and enthusiastically to the 
tasks before it. 

Oh yes! all this does belong to the subject of Fi- 
nancial Success as you will find out if you will prac- 
tice a little and discover the secret of the silence as 
given above. If you doubt it and smile with a quizzi- 
CcJ, know-it-all smile then you are the one who needs 
it most. Just remember that this is not written by some 
wild theorist soaring in the clouds of hazy metaphysics, 
but by a business man — part of it during business 
hours amidst the cares, duties, and exactions of a 
strenuous business life — who has appHed these prin- 
ciples and knows whereof he speaks. 

I shall now tell you a secret known only to a few. 
From this time on it is yours. See that you use it. 
Here it is: A few moments spent with your inner self 
and the Great Universal Power each day, as de- 
scribed above, if practiced assiduously, will establish 
within you the Creative Mind — that wonderful thing 
which marks the difference between the Italian ditch 
digger, who plods along from day to day with never 
a new idea for his own or humanity's betterment, 
and the man *'at the top'* who "does things"; the 
constructive man who builds railroads, steamships, 
large mercantile establishments, and who furnishes 
funds to carry the great work of the world along. 
Both of these men are needed, but it feels better to 
be near the top. The more you practice, the more 
you will open up that great subconscious reservoir of 
yours which is overflowing with original ideas. In 


time you will gain the power to get in touch with 
your inner self and tap that reservoir wherever you 
may be — in the street car — out for a walk — while 
you are shaving — and there will flash through to your 
conscious mind, in vivid outlines, ideas that when 
worked out will mean for you Money and Financial 



(qtHEj title of this chapter may appear strange to some 
^'^ of those who find it in a book entitled "The Law 
of Financial Success," and such people may wonder 
what in the world "Creation" has to do with the 
subject of Financial Success. I ask such persons to 
wait patiently until the chapter is finished, and I 
promise to do my best to convince these doubters 
that Creation has verp much to do with the attain- 
ment of Financial Success, and that, in fact, there 
can be little or no Financial Success without the 
operation of the creative energy of the mind. 

Did you ever stop to think that in the case of some 
of the mighty bridges spanning the rivers surrounding 
New York City, each span, each strand of steel, each 
support, each bit of construction — and the whole 
bridge in its entirety — existed and was created in the 
mind of the designer before it was manifested or 
materialized ? 

Did you ever think that the great buildings which 
rear their imposing forms and shapes along our business 
streets were created in the minds of their architects, 
and actually existed in their minds before the build- 
ings could be erected? 

Did you ever think that the delicate mechanism of 
the watch you are carrying in your pocket existed in 
the mind of its designer long before the material watch 
was evolved from the parts? The watch would not 


be, and could not be, unless the designer had seen 
it all in his mind's eye, down to the smallest detail, 
before he materialized it. 

The above statements are more or less common- 
place, but the majority of people overlook these im- 
portant facts in the contemplation of material things. 
They ignore the fact that anything and everything 
that has ever been created in material form must of 
necessity have been created in mental form previously. 
There is no exception to this rule. Every thing that 
is materialized must have existed previously in the 
mind of the person creating it. The house, the bridge, 
the watch, the suit of clothes, the hat, the pen-knife. 
the shoes, the buttons on the clothes — everything that 
you can see, or think of, that has been madct has 
first been created mentally, in its every part and as a 

When we materialize a thing by creating or build- 
ing it, we simply build the material around the mental 
picture of the thing that we have first created. The 
primal building is in the mind. And this is true of 
Financial Success just as it is true of everything else. 
Some build little by little, seeing only just a little in 
advance of their building, and thus do their mental 
creation by piece-meal. Others see the whole thing 
in general outlines, and then fill in the details as they 
go along. The principle is the same in both cases. 

It is told of Thomas Lawson, of Boston — he of 
"Frenzied Finance" fame — that when he was a youth 
he painted a mental picture of a large estate on which 
there was the finest breed of horses, and the choicest 
cattle in the world; a beautiful home furnished and 


filled with objects of artistic value ; and everything else 
necessary for the completion of his conception of an 
ideal home. He has said that his successive steps to- 
ward the acquirement of that home — the gaining of 
the wealth necessary for its purchase, was like the 
filling in of the details of the picture, the image of 
which never faded av/ay from his mind. 

And so it is with Financial Success. You must 
form a mental picture of what you want, and then 
bend every effort to fill in the picture. Every person 
should have a purpose in life. To win anything one 
should have a definite goal for which to strive. We 
should have a picture in our mind of what we want 
to own or attain. If we want money, we should 
create a mental picture of money — see ourselves using 
it, handling it, spending it, acquiring more, and in 
short going through all the motions of the man of 
money. One should paint a great mental picture of 
wealth, and then start to work to fill in the picture, 
and to materialize it. 

What do you suppose would happen if the architect 
of the bridge, or building, or the designer of the watch 
should fail to see in his mind that which he was about 
to create? Can you not see that there would be no 
building worth while, and that the result of the at- 
tempt to build watch, bridge, or skyscraper in this 
way would result in a mere throwing together of ma- 
terial, without regard to beauty, stability or proper 

And so it is with the majority of people — they 
sit down and say **Oh, I want money — I want 
money," and that is all there is to it. They do not 


use their imaginations sufficiently to mentally create 
mone^t and then proceed to materialize it. They are 
like a man who would sit down crying out: "Oh, I 
want a wood-pile, high and big with good wood.'* 
The man who gets the wood-pile, glances around the 
place where he wants the pile, and then he forms a 
mental picture of how that wood-pile will look when 
completed — just about how high and broad it should 
be, and then he starts to work to fill in the picture 
with the wood, working away sawing and piling until 
at last his picture is materialized. 

Oh, I tell you friends, you must first ^nolP just Tvhat 
pou want, before you will be able to materialize it. 
Unless you k^ow what ^ou Tvant, you will never get 
anything. The great successful men of the world have 
used their imaginations, instead of despising them. 
They thinly ahead and create their mental picture, and 
then go to work materializing that picture in all its 
details, filling in here, adding a little there, altering 
this a bit and that a bit, but steadily building — 
steadily building. 

If you would attain Financial Success, you must 
become a mental creator and designer of that which 
you long for as well as a material builder. The two 
go hand in hand and work for Financial Success. 



eVERY person who reads this chapter has heard the 
word "Concentration" used frequently; has seen 
it in print often; and has used it repeatedly in con- 
versation. But how few really know just what it 
means — or are able to form a mental picture of Con- 
centration. Let us consider the term a moment, for 
until you are able to form a clear mental picture of 
it, you will not be able to apply it advantageously. 

What is "Concentration"? Well, the dictionaries 
tell us that the word means the act or process of 
bringing or directing things toward a common center, 
and thereby condensing and intensifying the force of 
the thing. And that is the key-note of the word — 
that is the mental picture of it — this bringing forces to 
a common center. 

One can best form a mental picture of the idea 
expressed in the word by thinking of a sun-glass which 
so concentrates the rays of the sun to a focus, or 
common center, that their powers are intensified upon 
the spot so that they easily burn a hole through any- 
thing placed on the spot. 

We can never expect to win out in anything unless 
we firmly concentrate our minds upon the thing we 
seek. We have got to make our mental picture of 
what we want, and then start in to desire it as hard 
as we are able to, and by so doing we will concen- 
trate our attention and will upon that thing until 

PAGE 76 _„_™__«..,„^.™_„_«««____.__^_-^^^^^ 


"something happens.** We must learn to concentrate 
our powers and will upon the desired object, just as 
the sun-glass concentrates the rays of the sun upon 
the common focus. We must learn to focus our ener- 
gies upon the thing we want, and then to keep the 
focus steady from day to day, never allowing our- 
selves to be side-tracked or swerved from our main 
object of desire, interest and will. 

The majority of people have little or no concen- 
tration, and they resemble the puppy-dog whose atten- 
tion is attracted by first this thing and then another, 
and who runs from this thing to that, to and fro, not 
knowing what he wants long enough to get it, but 
continually wasting his energy in chasing things that 
have attracted the attention of the moment. 

One should begin by practicing concentration on 
little things, until he masters them, and then he may 
move on to the consideration and contemplation of 
larger things. It is quite an art to be able to do one 
thing at a time, to the exclusion of distracting thoughts 
and objects. The best workmen along any line of 
human effort are those who are able to concentrate 
on their work, and practically lose themselves in their 
tasks for the time being. 

The first step in acquiring Concentration begins, of 
course, in the control of the attention. Master the 
attention and you have acquired the art of Concen- 
tration. By holding your attention upon a thing, you 
direct to it your mental forces, and new ideas, plans 
and combinations spring into your mind and fly to a 
common center. Besides this you put into operation 
the Law of Attraction and direct its forces to that 


same common center. Without concentrated attention 
you scatter and dissipate your mental forces and ac- 
complish nothing at all. 

I urge upon all who read this book the importance 
of beginning to cultivate concentration. Begin by 
acquiring the habit of attending to one thing at a time, 
concentrating the attention upon it, and then com- 
pleting it and passing on to another thing. Avoid 
the baneful practice of thinking of one thing while 
doing another. Think of and work upon the thing 
before you, and hold your attention there until it is 
completed. The thinking and action should pull to- 
gether, instead of in opposite directions. 

An eminent authority tells us that: *'It is a matter 
of no small importance that we acquire the habit of 
doing only one thing at a time, by which I mean that 
while attending to any one object, our thoughts ought 
not to wander to another." Another authority adds: 
**A frequent cause of failure in the faculty of atten- 
tion, is striving to think of more than one thing at a 
time.*' Another says: "She did things easily because 
she attended to them in the doing. When she made 
bread, she thought of bread, and not of the fashion 
of her next dress, or of her partner at the last dance.'* 
The celebrated Lord Chesterfield said: **There is 
time enough for everything in the course of a day, 
if you do but one thing at a time; but there is not 
time enough in a year if you try to do two things at 
a time." 

If there is any secret of concentration, it is con- 
tained in the following sentence: You can concentrate 
on anything ^ou are intensely interested in, or dearly 


love. For instance, if you are a young man engaged 
to a beautiful young lady, the ideal woman to make 
your life complete, you have no trouble in thinking 
about her and how happy you will be after the knot 
is tied. In fact, most of your time — when you are 
not thinking of your work — is given over to thoughts 
of that girU and your future together. Sometimes 
even her face pops up before you and you think of 
her when you should be devoting your time and 
thought to the work you are paid for. If you are the 
proud father of a new baby girl or boy you have no 
trouble in thinking about that dear little bit of hu- 
manity. If you are a mother whose son is forging to 
the front in business or one of the professions, your 
thought goes as naturally to that boy as a duck takes 
to water. And so we might go down the whole gamut 
of humanity and find some one thing which each 
person is interested in or loves^ and we would soon 
see that it is not a hard task for a person to think 
about or concentrate on that which is most dear to 
him or her. 

Just at the present time the thing closest to your 
heart, next, of course, to that which you actually love, 
is or should be Financial Independence. For with 
money at your disposal you can give that girl every- 
thing she needs to make her happy; you can insure 
that child's future and make sure that it has the edu- 
cation which it deserves; you can establish that boy 
in business and give him a chance to express his full 
ability; you can complete those plans you have had 
in mind so long and you can do many things which 
are now impossible. 


It certainly ought not to be hard for you to con- 
centrate on Financial Independence when it means 
so much to you, ought it? Well, go to work now, 
and when your mind is not occupied with your regular 
duties, when your thought is roaming around here 
and there accomplishing nothing, when you find your- 
self thinking of something foolish or vicious, exert your 
will, draw back your thought, use your imagination 
to picture an ideal of what Financial Independence 
will mean to you, and then concentrate your whole 
thought on that ideal to bring it into materialization. 
Now is the time to begin, friend; do not leave it 
until lo-morow. 



^N the last chapter we considered the subject of 
-^^n "Concentration," and I tried to show you what 
an important part it played in the workings of the 
Law of Financial Success. But, if you concentrate 
on one thing this minute, and another thing the next 
moment, and so on, flitting from one flower to another 
hke the butterfly, you will accomplish very little. 
What is needed is a steady, determined, persistent 
application to the one object upon which you have 
set your mind. Having found the object of your 
desire and knowing how to concentrate upon it, you 
should then learn how to be Persistent in your con- 
centration, aim, and purpose. 

There is nothing like sticking to a thing. Many 
men are brilliant, resourceful, and industrious, but they 
fail to reach the goal by reason of their lack of 
**stick-to-it-iveness.** One should acquire the tenacity 
of the bulldog, and refuse to be shaken off of a thing 
once he has fixed his attention and desire upon it. 
You remember the old Western hunter who when 
once he had gazed upon an animal and said *'You*re 
my meat,** would never leave the trail or pursuit of 
that animal if he had to track it for weeks, losing his 
meat in the meantime. Such a man would in time 
acquire such a faculty of Persistence that the animals 
would feel like Davy Crockett's coon who cried out, 
*'Don*t shoot, mister, 1*11 come down without it.'* 

PAGE 81 


You know the dogged persistence inherent in some 
men that strikes us as an irresistible force when we 
meet them and come into conflict with their persist- 
ent determination. We are apt to call this the *'Will,'* 
but it is our old friend Persistence — that faculty of 
holding the Will firmly up against objects, just as the 
workman holds the chisel against the object on the 
wheel, never taking off the pressure of the tool until 
the desired result is obtained. 

No matter how strong a Will a man may have, if 
he has not learned the art of persistent application 
of it he fails to obtain the best results. One must 
learn to acquire that constant, unvarying, unrelenting 
application to the object of his Desire that will en- 
able him to hold his Will firmly against the object 
until it is shaped according to his wishes. Not only 
to-day and to-morrow, but every day until the end. 

Buxton has said: "The longer I live, the more 
certain I am that the great difference between men, be- 
tween the feeble and the powerful, the great and the 
insignificant, is Energy — Invincible Determination — a 
purpose once fixed, and then Death or Victory. That 
quality will do anything that can be done in this 
world — and no talents, no circumstances, no oppor- 
tunities, will make a two-legged creature a man with- 
out it.'* 

Donald G. Mitchell said: ''Resolve is what 
makes a man manifest; not puny resolve; not crude 
determinations; not errant purpose — but that strong 
and indefatigable Will which treads down difficul- 
ties and danger, as a boy treads down the heaving 
frost-lands of winter, which kindles his eye and brain 


with a proud pulse-beat toward the unattainable. 
Will makes men giants.'* 

Disraeli said: "I have brought myself by long 
meditation to the conviction that a human being with 
a settled purpose must accomplish it, and that noth- 
ing can resist a Will which will stake even existence 
upon its fulfillment." 

Sir John Simpson said: **A passionate desire, 
and an unwearied Will can perform impossibilities, or 
what may seem to be such to the cold and feeble.** 

And John Foster adds his testimony, when he 
says: *'It is wonderful how even the casualties 
of life seem to bow to a spirit that will not bow to 
them, and yield to subserve a design which they may, 
in their first apparent tendency, threaten to frustrate. 
When a firm decisive spirit is recognized, it is curious 
to see how the space clears around a man and leaves 
him room and freedom.** 

Abraham Lincoln said of General Grant: "The 
great thing about him is cool persistency of purpose. 
He is not easily excited, and he has got the grip of a 
bull dog. When he once gets his teeth in, nothing 
can shake him off.** 

Now, you may object that the above quotations 
relate to the Will, rather than to Persistence. But 
if you stop to consider a moment you will see that 
they relate to the PERSISTENT Will, and that die 
Will without Persistence could accomplish none of 
these things claimed for it. The Will is the hard 
chisel, but Persistence is the mechanism that holds 
the chisel in its place, firmly pressing it up against 
the object to be shaped, and keeping it from slipping 


or relaxing its pressure. You cannot closely read the 
above quotations from these great authorities \vithout 
feeling a tightness of your lips, and a setting of your 
jaw, the outward marks of the Persistent Dogged 

If you lack Persistence, you should begin to train 
yourself in the direction of acquiring the habit of 
sticking to things. This practice will establish a new 
habit of the mind, and will also tend to cause the 
appropriate brain-cells to develop and thus give to 
you as a permanent characteristic the desired quality 
that you are seeking to develop. Fix your mind upon 
your daily tasks, studies, occupation or hobbies, and 
hold you attention firmly upon them by Concentra- 
tion, until you find yourself getting into the habit of 
resisting *'side-tracking'* or distracting influences. It 
is all a matter of practice and habit. Carry in your 
mind the idea of the chisel held firmly against the 
object it is shaping, as given in this chapter — it will 
help you very much. And read this chapter over and 
over again, every day or so, until your mind will 
take up the idea and make it its own. By so doing 
you will tend to arouse the desire for Persistence and 
the rest will follow naturally, as the fruit follows the 
budding, and flowering of the tree. 




J^ABIT is a force which is generally recognized 
"^^ by the average thinking person, but which is 
commonly viewed in its adverse aspect to the ex- 
clusion of its favorable phase. It has been well said 
that all men are *'The creatures of habit," and that 
*'Habit is a cable; we weave a thread of it each day, 
and it becomes so strong that we cannot break it." 
But the above quotations only serve to emphasize 
that side of the question in which men are shown as 
the slaves of habit, suffering from its confining bonds. 
There is another side to the question, and that side 
shall be considered in this chapter. 

If it be true that Habit becomes a cruel tyrant 
ruling and compelling men against their will, desire, 
and inclination — and this is true in many cases, the 
question naturally arises in the thinking mind whether 
this mighty force cannot be harnessed and controlled 
in the service of man, just as have other forces of 
Nature. If this result can be accomplished, then man 
may master Habit and set it to work, instead of being 
a slave to it and serving it faithfully though complain- 
ingly. And the modern psychologists tell us in no 
uncertain tones that Habit may certainly be thus 
mastered, harnessed and set to work, instead of being 
allowed to dominate one's actions and character. 
And thousands of people have applied this new knowl- 
edge and have turned the force of Habit into new 

FAQE 85 


channels, and have compelled it to work their ma- 
chinery of action, instead of being allowed to run 
to waste, or else permitted to sweep away the struc- 
tures that men have erected with care and expense, 
or to destroy fertile mental fields. 

A habit is a "mental path" over which our ac- 
tions have traveled for some time, each passing mak- 
ing the path a little deeper and a little wider. If 
you have to walk over a field or through a forest, 
you know how natural it is for you to choose the 
clearest path in preference to the less worn ones, and 
greatly in preference to stepping out across the field 
or through the woods and making a new path. And 
the line of mental action is precisely the same. It is 
movement along the lines of the least resistance — 
passage over the well-worn path. Habits created 
by repetition and are formed in accordance to a nat- 
ural law, observable in all animate things and some 
would say in inanimate things as well. As an in- 
stance of the latter, it is pointed out that a piece of 
paper once folded in a certain manner will fold along 
the same lines the next time. And all users of sew- 
ing machines, or other delicate pieces of mechanism, 
know that as a machine or instrument is once "broken 
in** so will it tend to run thereafter. The same law 
is also observable in the case of musical instruments. 
Clothing, or gloves form into creases according to 
the person using them, and these creases once formed 
v^ll always be in effect, notwithstanding repeated 
pressings. Rivers and streams of water cut their 
courses through the land, and thereafter flow along 
the habit-course. The law is in operation every- 

PAGE 86 


The above illustrations will help you to fonii the 
idea of the nature of habit, and will aid you in form- 
ing new mental paths — new mental creases. And, 
remember this always — the best (and one might say 
the only) way in which old habits may be removed 
is to form new habits to counteract and replace the 
old undesirable ones. Form new mental paths over 
which to travel, and the old ones will soon become 
less distinct and in time will practically fill up from 
disuse. Every time you travel over the path of the 
desirable mental habit, you make the path deeper and 
wider, and make it so much easier to travel it there- 
after. This mental path-making is a very important 
thing, and I cannot urge upon you too strongly the 
injunction to start to work making the desirable men- 
tal paths over which you wish to travel. Practice, 
practice, practice — be a good path-maker. 

The following rules will help you in your work 
in forming new habits: 

1. At the beginning of the formation of a new 
habit, put force into your expression of the action, 
thought, or characteristic. Remember that you are 
taking the first steps toward making the new mental 
path, and it is much harder at the first than it will 
be afterwards. Make the path as clear and deep as 
you can, at the start, so that you can see it readily the 
next time you wish to travel it. 

2. Keep your attention firmly concentrated on 
the new path building, and keep your eyes and 
thoughts away from the old paths, lest you incline 
toward them. Forget all about the old paths, and 
concern yourself only with the new one that you 
are building. 


3. Travel over your newly made path as often 
as possible. Make opportunities for doing so, without 
waiting for them to arise. The oftener you go over 
the new path, the sooner will it become an old, well- 
worn, easily traveled one. Think out plans for 
passing over it and using it, at the start. 

4. Resist the temptation to travel over the older, 
easier paths that you have been using in the past. 
Every time you resist a temptation, the stronger do 
you become, and the easier will it be for you to do 
so the next time. But every time you yield to the 
temptation, the easier does it become to yield again, 
and the more difficult does it become to resist the next 
time. You will have a fight on at the start, and this 
is the critical time. Prove your determination, per- 
sistency, and Will power now, right here at the 

5. Be sure that you have mapped out the proper 
path — plan it out well, and see where it will lead 
you to — then go ahead without fear and without al- 
lowing yourself to doubt. "Place your hand upon 
the plow, and look not backward." Your goal is 
Financial Success — then make a good, deep, wide 
mental path leading straight to it. 


Claiming Your Own 

C^KHERE has grown up in the minds of many 
^^ people the delusion that there is some real merit 
in taking the mental position that desirable things are 
*'too good for me," and denying that they have any 
merit whatsoever in them. So prevalent has become 
this idea, that it has developed a race of hypocrites 
and pharisees, who go about proclaiming their humble 
goodness, and their meek humility, until one gets tired 
of hearing their talk — and talk is all there is to it, 
for these same people slyly manage to reach out for 
the good things in sight, even while decrying the 
value of the aforesaid good things, and denying their 
worthiness to receive anything at all. 

I take quite the other position. I believe that there 
is nothing too good for the men and women who 
assert their right to live and to partake of the good 
things of earth. I am reminded of the French soldier 
who carried a dispatch to Napoleon, and whose 
horse dropped dead from fatigue as he sprang from 
it and handed the Emperor the dispatch which he 
had carried from miles away. Napoleon wrote an 
answer, and dismounting from his horse handed the 
bridle to the soldier, saying, "Take this horse and 
ride back, comrade.** **Nay,** cried the soldier as 
he gazed at the blooded horse and his trappings, 
*'it is too magnificent and grand for me, a common 
soldier.** *'Take it!** cried Napoleon, ** there is 

^ Page 89 


nothing too grand and magnificent for a soldier of 
France!'* And these words, rapidly repeated 
through the ranks and columns of his army, gave to 
his tired troops a new and fresh inspiration and en- 
ergy. "Nothing too grand and magnificent for a 
soldier of France,** they said, and the thought that 
they were such worthy individuals inspired them to 
the almost miraculous deeds that followed. 

Napoleon understood human nature, and the laws 
of psychology. Tell a man that he is a worm of 
the dust, and deserving of nothing but kicks and pun- 
ishment, and if he believes you he will sink to the 
mental level of the worm and will cringe and crawl 
and eat dirt. But let him know that he has within 
him the divine spark, and that there is nothing too 
good for him; nothing that he has not a right to 
aspire to; no heights which are not his own if he but 
climb to them — tell him these things, I say, and he will 
become a transfigured creature, ready and willing to 
attempt great things, and do mighty deeds. **As a 
man thinketh in his heart, so is he.'* 

And that is why I am trying to tell you that 
you have a right to all the good things there are — 
that you are a worthy human being and not a crawl- 
ing thing of the dust. That is why I tell you to raise 
up your head and look the world in the eyes, affirming 
your relationship with the Divine Cause that brought 
you into being, and asserting your right to partake of 
your heritage from that Power. 

Does not all Nature seem to come to the aid and 
assistance of the strong individuals who assert their 
right to live, and prosper? Does not Nature seem 


to try in every way to build up strong, confident, self- 
reliant, self-respecting individuals? Does it not seem 
to reserve the prizes of life for the strong hand that 
has courage to reach out and take them, instead of 
to those cringing, shrinking personalities that cower 
and shiver back in the corner, afraid to call their 
souls their own. There is nothing in Nature that 
gives any encouragement whatsoever to this false 
teaching of mock humility, and self-debasement of 
which we hear so much. The very persons who hold 
up this weak, negative ideal to their followers, are 
not especially noted for their meekness or humility — 
they are apt to be arrogant, selfish and grasping all 
the good things in sight, even while decrying and de- 
nying them. They are all words, words, words, with 
their cant phrases and negative admonitions. Away 
with such destructive and hurtful teachings. Make 
way for the new teaching that the good things of earth 
have been placed here for man*s use, and for his de- 
velopment and happiness. There is nothing too good 
for Men or Women, for they are the rightful inheritors 
and heirs of their Divine Causer. 

Does not Nature seem to strive to produce strong 
plants, strong animals, strong individuals? Does she 
not seem to delight in producing an individual, in either 
of the great kingdoms of life, who has the desire, en- 
ergy, ambition and power to draw to itself the nour- 
ishment and nutriment which will enable it to ex- 
press its life fully — which will enable it to become a 
proper, efficient and worthy channel through which 
may flow the great Stream of Life that has its source 
in the Divine Cause which is behind and back of 


all things? Is life but an effort to produce weak, 
miserable, unhappy beings — or is it an urge that seeks 
to develop strong, happy, noble individual forms? 
And how can one be happy, strong, and noble if 
the source of supply is denied him? What would 
the plant become if its nourishment be withdrawn? 

And yet in spite of all these apparent facts of Na- 
ture, there are those who would have us refuse the 
full supply which the Divine Power has placed at 
our hand and bidden us partake thereof. These 
people would even deny the supply. Oh, I say to 
you, friends, the Power that called us into being 
has placed in this world of ours all that is necessary 
to our well-being, and has implanted in our breasts the 
natural hunger for nourishment, physical, mental and 
spiritual. This very hunger is Nature's promise that 
there exists that which is intended to satisfy it. And 
then, what folly to decry the hunger, or to deny the 
supply. That which you need and for which you 
are hungry, exists for you. It is yours, and you 
are not robbing others when you seek for it and 
draw it to you. 

Claim Your Own, friends, Claim Your Own! 
Deny it not — decry it not — but cry aloud *'It is Mine 
Own — I Demand It — I attract it to Me!" Claim 
Your Own! 


Making Money 

"The possession of money gives confi' 
dence, the lack of it self -consciousness, " 

aN the preceding chapters of this book we have dis- 
cussed " The Law of Financial Success," and sug- 
gested methods and given instruction for the develop- 
ment of the various positive qualities necessary to the 
one who desires to get into harmony with the LAW. 

But our exposition of the LAW is not yet complete. 
Like everything else in Nature, it has two sides: for 
instance, we have male and female, heat and cold, 
light and darkness, sunshine and rain, and one is just 
as necessary to the whole as is the other. 

We have said very little as to the handling of 
money. What has gone before was extremely practi- 
cal and all very necessary, because we must "know'* 
before we "do" — we must "possess" before we 
"use." If you have read carefully and studied with 
a purpose that which has preceded, and have de- 
cided to take advantage of the suggestions given, you 
are now ready for this final chapter, "Making 
Money," toward which all the others have been lead- 
ing you. 

A person might possess every one of the positive 
qualities, but if he were in the back woods or the 
Desert of Sahara, where there is no money in circu- 
lation, he never could become financially Independent, 


for the second part of tlie LAW could not be 
brought into action. And again, on the other hand, 
a person might be left a mint of money and if he did 
not know how to take care of it, or if he did not 
possess tlie necessary positive qualities by means of 
which he might make more money, he would lose it 
all in a few years, and he, himself become a tramp 
of the worst type. This is not an uncommon occur- 
rence, and may be verified at any shelter house or 
Salvation Army Barracks in our larger cities. 

An illustration from real life, showing how the 
LAW worked in one instance will here be given. 
The writer is acquainted with a gentleman of middle 
age now occupying an enviable position in financial 
circles, and who, because of the development of the 
positive qualities, will before he dies become much 
more prominent and leave his mark on the world. 
This man was born "with a gold spoon in his mouth," 
and all during his youthful days had everything and 
anything a young man could want, as well as many 
things he did not need. In time reverses came, and 
these, combined with extravagance, swept away the 
fortune that had been bequeathed to him. Here was 
a young man about twenty years of age left without 
a dollar, and with absolutely no training in the direc- 
tion of earning a living. After a few years of the 
hardest kind of knocks, he made his way to the far 
West. There he obtained an inside position where 
he worked for a time, until it began to tell on his 
health. One day while at work in the office, and 
wondering what was going to become of him, a great 
truth dawned on his mind. It was this : / can never 

PAGE 94 


amount to anything or become real Tvealth^ lil^e mi; 
father b}} merely working with my hands. The onl\f 
jva}) to make money is to compel money to work for 

With a definite object in view, he gave up his in- 
side "position" and took a "job*' on the railroad 
grade as a teamster. In less than six months, by de- 
priving himself of every luxury, he had accumulated 
enough money to partly pay for one pair of mules. 
These he hired out, acting himself as driver. After 
awhile he bought a second pair on credit, giving a 
mortgage on both pairs for payment, and hired a man 
to drive the second pair. When that pair was paid 
for he bought two more pairs, again mortgaging all 
he had to pay for the second two pairs. When they 
were paid for he bought four more pairs, and then 
he went to work, not as a hired man, but as a con- 
tractor on his own account in a small way, and thus 
made money. The capital invested in these mules 
worked for him, and step by step in a few years he 
was in a position of affluence and power. 

This man, just like every other man, had the 
germs of the positive qualities in him. All they 
needed was developing. This development was ob- 
tained by the knocks he received, both before and 
after that great truth dawned upon him. 

Let me again express that truth in a little differ- 
ent language so that it may be impressed upon the 
mind of every one of my readers: No man ever be- 
came real wealthy workmg with his hands alone; this 
applies to the brain worker also. The only way to 
obtain much money is to make money work for you. 


Jay Gould, the noted financier, once said: **One 
hundred dollars invested in the right place at the 
right time will earn as much as one man steadily 
employed." This is a great truth too, in financial 
matters, that we must let sink deeply into our con- 

But the question right now with many is, "How 
shall we acquire the first one hundred dollars so as 
to invest it?" And the only answer is, by saving it. 
There is no person, who, if he can earn wages, but 
what can in time, by sacrificing some luxury, or by 
rigid economy, lay aside one, two or three hundred 
dollars. And the best way to do this is by putting 
in some good savings bank a stated sum each week, 
no matter how small that sum may be. One of the 
best aids to this is the metal bank in which you can 
drop your odd change, and which are loaned to 
their customers by up-to-date savings institutions. If 
you keep this up long enough, you are bound to ac- 
quire your first hundred dollars. By doing this you 
have acquired at the same time two valuable habits 
— economy and patience. 

It is now necessary to place or invest this money, 
and more to be obtained in like manner, where it will 
bring back to you the largest possible returns and yet 
be perfectly safe. And the question comes to one at 
this point, "Shall I go into business for myself, as 
the young man did, or shall I work for another and 
invest my savings and watch them grow?" 

That depends. If you have developed the qualities 
of courage, initiative, self-confidence and grit to a 
remarkable degree, and the opportunity presents it- 

PAGE 96 


self, go into business for yourself and you will win. 
If not, hold onto your present position, but be always 
on the lookout to better yourself, and increase your 
salary, and in the meantime invest your surplus money 
in some good security. 

When making an investment do not be blinded 
either by your own prejudice or the prejudice or crafti- 
ness of some stock, bond, mortgage or banking house 
salesman. Remember this — and in doing so realize 
that it is a frailty of human nature and the instinct of 
self-preservation that makes it so — that whatever a 
man or firm is offering for sale at the time you ap- 
proach them is the best thing for you to buy. Other 
investments offered by other firms ma^ be good — but, 
this is best for you. Realize this frailty, use your own 
judgment, don't knock the other fellow, and invest 
in what seems best to you after hearing the stories 
of all of them. 

The writer can command no language strong 
enough in which to express his contempt for the so- 
cial parasite who obtains the money of people under 
false pretenses or by making glittering promises of 
great wealth on short notice without ever intending or 
expecting to make any returns. It matters not whether 
he be an absconding cashier or president of a bank, 
the president or representative of a noted stock or 
bond house, who has knowingly sold the stocks or 
bonds of a corporation that is watered beyond all 
limits, or a *'fake" mining promoter. These men all 
belong in the same class, they are rascals and their 
place is behind the prison bars. 

I shall now present, as concisely as possible, the 


various methods of investing money, and in an un- 
prejudiced manner give the advantages and disadvan- 
tages of each. 

At the head of all investments, as regards safety 
of capital, stand government bonds. They are in no 
way attractive to the small investor, because of the 
low rate of interest. Their principal demand is by 
National Banks, which are compelled to buy and de- 
posit these bonds with the United States Treasurer, 
to protect their issue of bank bills. State bonds are 
considered almost as safe as government bonds 
(though some states have repudiated their obliga- 
tions), but also pay a low rate of interest. 

Savings banks pay their depositors three and some- 
times four per cent. Placing money in a savings bank 
may be regarded as an investment, since the depositor 
loans his money to the banker, and he in turn uses 
that money to earn money for the stockholders of the 
bank. It would take a great many years for a man to 
acquire a competence or to become financially inde- 
pendent by merely keeping his money in a savings 

Municipal bonds, including county, city, town, 
school, water, city hall, sewer and special assessment 
bonds pay from four to five per cent. The best ones 
are in large demand, at these low rates of interest, by 
large estates and trustees for the investment of trust 
funds, the investing of which is restricted by law to 
securities of this character. Some municipal bonds 
are safer than others, depending upon the standing 
and character of the municipality issuing them. All 
depend upon some form of taxation for the payment 


of interest, as well as principal. The best way to 
purchase municipal bonds is to get in touch with some 
reputable bond house making a specialty of them, and 
buy under the instruction of some man whom you can 
trust to tell the truth. 

Steam and electric railway bonds and public serv- 
ice corporation bonds may all be classed together for 
convenience sake. They pay from four to seven per 
cent. In buying them it is best to consult an authority, 
as some are very much safer than others. 

Real estate mortgages pay from four to eight per 
cent, depending upon locality and the character of 
security, and are in large demand by a class of in- 
vestors who have sums varying from $5,000 and up- 
wards, and who depend upon this class of investment 
for an income. In buying real estate mortgages, know 
the people who are placing the mortgages — their abil- 
ity to make the interest payments, and whether there 
is any chance of default. There is a moral as well 
as a financial obligation involved here. 

Real estate pays anywhere from five to ten per 
cent, depending upon its location. While there are 
opportunities for large profits in the appreciation of 
real estate in some localities, there is always the risk 
of great depreciation. One thing should be remem- 
bered in buying real estate for a permanent investment 
and that is the danger of booms, with their enthusiasm, 
lack of judgment, inflated prices and general lack of 
conservatism. Remember that the yield should be 
adequate to the risk — see to it that the uncertainty of 
an income is reduced to a minimum. 

Industrial stocks pay from five to twenty per cent. 


and are dependent largely upon the commercial con- 
ditions of the country, the nature of the business, the 
amount of competition, and the character of the man- 
agement. The utmost caution should be exercised in 
investing your savings in stocks of this character, and 
you must know absolutely that you are dealing with 
reliable, capable and honest people. 

Mining stocks pay from six to two hundred per 
cent on the par value, and are dependent upon the 
character and location of the property, and the re- 
liability of the men in control. There is always great 
danger to the small investor in putting his money into 
mining stocks, as he is not in a position to determine, 
as a rule, the intrinsic value of same. He must de- 
pend wholly upon the character and reliability of the 
men who are responsible for the intelligent and con- 
scientious use of his money in the operation of a min- 
ing property. More fortunes have been made in min- 
ing than in any other of the many industries in the 
United States. There have also been many a poor 
man's and woman's hard earned savings lost by turn- 
ing over their little all to some glib-tongued promoter 
while there was not at any time even a remote possi- 
bility of ever getting any returns. 

The all-important question, when investing your 
money, is to know those with whom you are doing 
business. There are many meritorious propositions 
being handled by honest, capable men, which offer 
great opportunities to the small investor, and if he 
can but use careful judgment and discretion in de- 
termining the right persons to do business with, there 
is no reason why the most humble cannot acquire a 
competency by careful and intelligent investing. 

PAGE 100 


The reader may know of or learn about lots of 
other ways of investing money, besides those pre- 
sented above. If so, and they "look good to you," 
after putting the facts in each case through the mill 
of Reason and Judgment, take advantage of the op- 
portunity. If you lose, do not be a "namby-pamby** 
and cry over spilt milk; "get busy" and begin again. 

And even if great reverses come and everything 
you possess is swept away, don't sink back in despair 
and give up the ship. Rest awhile and then go at it 
again harder than ever, but this time follow the LAW. 
It is no sin to go broke or even to be bankrupt. The 
dishonor lies in remaining so. As Josh Billings said: 
"Sukces don't konsist in never makin' mistakes, but in 
never makin' the same one twict." And Ella Wheeler 
Wilcox writes: 

" 'Tis easy enough to be pleasant 
When life flows by like a song. 
But the man worth while is the man 
With a smile when everything goes 
Dead wrong." 

In judging any investment it is always wise to 
know a few inside facts in regard to the proposition 
offered. The only way to find out anything is by 
asking questions either of yourself, while you are 
reading the "prospectus" or else of the officers of the 
company, if you do not find these questions answered 
somewhere in the literature. 

The following *'Investors* Questions** are taken 
from a book called "Financing an Enterprise" by 
Francis Cooper, published by the Ronald Press, and 


will bring out the truth in regard to an investment, if 
anything will. Don't hesitate to ask them of anyone 
who wants you to invest your money with him. 


1 . Is the basis of the enterprise sound ? 

2. Is the business or undertaking profitable elsewhere? 

3. What competition or opposition will be met? 

4. What peculiar advantages does it enjoy over these others? 

5. Can it be conducted profitably under existing condition*? 


1 . In what state organized ? 

2. What is the capitalization ? 

3. Is the capitalization reasonable ? 

4. Has the stock been issued in whole or in part and if so, for what? 

5. Is the stock offered for sale full-paid and non- assessable ? 

6. Has any of the stock preferences ? 

7. Is any stock unissued or held in the treasury ? 

8. Who has stock control ? 

9. Are the rights of smaller stockholders protected ? 

10. Are there any unusual features in charter or by-laws? 

Aa to Property. 

1 . What properties or rights are controlled ? 

2. What is their value and how estimated ? 

3. Are these properties or rights owned, or held under lease, 
license, grant, option or otherwise ? 

4. If owned, are titles perfect ? 

5. Are there any incumbrances on the properties or rights ? 

6. If not owned, are the holding papers in due form ? 

7. If not owned, are the terms of holding reasonable, satisfac- 
tory and safe ? 

8. In event of liquidation, what would be worth of property ? 

As to Operation. 

1 . What operations have been or are now carried on ? 

2. What have been the results ? 

3. What difficulties, if any, have been encountered ? 


4. What is demand for the product or operation of the en- 

5. What is present status of the enterprise? 

6. Are proper books kept ? 

As to Finance. 

1. What are the present assets and their actual value? 

2. What debts, claims, fees, rents, royahies or other payments 
or obligations are now due or are to be met and carried ? 

3. From what resources are these to be met ? 

4. Who handles the moneys and under what safeguards ? 

5. What are or will be the running expenses, salaries, etc. ? 


1 . How many members in the board ? 

2. Who are these members ? 

3. What is their past record and present business status ? 

4. Who are the active members of the board ? 

5. Who, if any, are inactive ? 

6. Are meetings regularly held and attended ? 

7. Who compose the executive committee, if any, and what 
are its powers ? 

8. Are the directors stockholders to a material amount ? 


1 . Who are the officers ? 

2. What are their previous records ? 

3. What are their special present qualifications ? 

4. Are they able to work together without friction ? 

5. What compensation do they receive or are they to receive ? 

6. Are they interested in the enterprise beyond their salaries ? 


1. What is the general plan of operation ? 

2. What special reasons, if any, led to its adoption 


1 . Is the general proposition a fair one ? 

2. Is the price of stock or bonds reasonable ? 

3. How do these prices compare with any former prices ? 


4. If common stock is offered, do preferred stock, bonds or 
other profit-sharing obligations take precedence and to what 
amount ? 

5. What reserve of profits will be retained before dividends 
are to be declared ? 

6. If preferred stock is offered, is it cumulative, does it vote, 
when is it redeemable and at what price, what sinking fund 
provision is made for redemption and are any peculiar pro- 
visions attached ? Do any bonds or other obligations take 
precedence of the preferred stock ? 

7. If bonds are offered, what interest is paid, and when and 
where; upon what property are they secured, and when and 
how paud; is the trustee or trust company of repute; under 
what conditions are the bonds foreclosable; when and how are 
they or may they be redeemed; are there any other securities 
taking precedence, and are there any peculiar provisions in 
deed of trust? 


1 . What is the previous history of the enterprise or the prop- 
erty or undertaking on which it is based ? 

2. If inventions enter prominently, what is the previous record 
of the inventor ? 

3. By whom are the statements made, and is the party making 
them reliable ? 

4. Are there any contracts or obligations, not now effective, by 
which the enterprise will subsequently be affected ? 



€[,A legal term designating a person in whom 
a peculiar trust and confidence are reposed 
by another; the relation which subsists be- 
tween such persons. Pertaining to one occu- 
pying a position of trust and confidence or to 
his duties as such; as, a fiduciary relation or 
capacity as that of an attorney, guardian or 
trustee. Unwavering; trustful; undoubting. 


SHE Fiduciary Company finances legit- 
imate mining enterprises. Its busi- 
ness is conducted upon the same 
plane as that of banking houses or trust 
companies, which handle the underwriting 
of the stocks and bonds of a railroad or 
industrial corporation. 

Any investment offered to its clients has 
first been hypercritically examined and 
passed on by its own staff of experienced 
and capable engineers, whose judgment 
has been confirmed by the company's con- 
sulting engineers as to the physical and 
technical conditions. All titles and legal 
features have passed the thorough examina- 
tion of the company's counsel. 

The personnel of the men managing any 
property The Fiduciary Company would 
offer to its clients must be of such charac- 
ter as to unqualifiedly command confidence. 

Some banking houses and trust companies 
make a specialty of handling the usual 
forms of investments, such as government, 
state, county and municipal bonds and kin- 
dred forms of securities. Others handle 
exclusively the stocks, bonds, notes and 
mortgages of steam and electric railways; 
while still others specialize in the industrial 
and real estate investment field. 

The "Fiduciary Specialty" is that of offer- 
ing the stocks of mining companies, which, 
because of their very character, must return 
exceptionally large profits to first investors. 

To show the possibilities of such proper- 
ties, both as to appreciation of stock and 
as to dividend earning powers, we will here 
cite instances of several companies financed 
at different times by different men. 

The stock of the Calumet & Hecla Mining 
Company of Michigan, with a par value of 

$25.00 per share, sold at the time of its 
reorganization for $12.00 per share, and 
previous to that time for much less. The 
present market value is $800.00 per share, 
capitalization being $2,500,000, and divi- 
dends amounting to $7,000,000 were paid 
during 1906, or over 250% on the par value 
of the stock. 

The stock of the North Butte of Mon- 
tana, with a par value of $15.00 per share, 
was placed on subscription on the 17th day 
of March, 1905, and was greatly over-sub- 
scribed the same day. The present market 
value is $80.00 per share, capitalization 
being $9,000,000, and dividends to the 
amount of $3,950,000 were declared during 
1906, or over 40% on the par value of the 

The stock of the Calumet & Arizona Min- 
ing Company of Arizona, with a par value 
of $10.00 per share, was obtained by some 
of the original investors as low as 64 cents 
a share. The present market value is 
$155.00 per share, the capitalization of the 
company being $2,000,000, and dividends to 
the amount of $2,600,000 were declared dur- 
ing 1906, or over 125% on the par value of 
the stock. 

When the stocks of these and other simi- 
lar companies were first placed on the mar- 
ket, the "regular" old-time banking houses 
v/ould not handle them. Now they are ab- 
solutely a staple investment and are classed 
with government, state, county and munici- 
pal bonds, and kindred securities, and have 
the added value of being much more profit- 
able to their pioneer investors. 

With the proper safeguard the advantages 
of this particular form of investment are 
many. They then represent unusual stabil- 

ity and safety of capital, combined with a 
steady monthly or quarterly income, and in 
many ways are far superior to any form of 
insurance policy, as they can be turned into 
cash at any time, their appreciation in value 
being many hundred per cent. 

The Fiduciary Company specializes these 
investments because, where offered under 
the safeguards of the "Fiduciary Policy," 
they eliminate speculative features and give 
the small investor an opportunity for un- 
usual profits through the production of 
new wealth from Mother Earth in the 
shape of metals needed in the arts and 
sciences and for which there is a constant 
and permanent demand. 

Should a man or number of men discover 
or obtain and develop a mining property to 
a stage beyond that of a "prospect" where 
it is merely a question of developing a 
proven body of ore of known value, which 
by the judicious use of capital will make a 
dividend payer, the proposition should be 
brought to us. 

We wish to make it clear, however, that 
The Fiduciary Company does not entertain 
any mere mining prospect. There must in 
every instance have been sufficient work 
done to demonstrate an ore body in paying 
quantities and of unquestioned values. 

The Fiduciary Company, by reason of 
the unusual care exercised in the investiga- 
tion of any mining property, which it would 
offer to its clients, occupies a unique and 
useful field. 

First, because it represents the investor 
from the preliminary stage of investigation, 
step by step to the fulfillment of all the 
statements made in the "prospectus." 

Second, its careful analysis of every phase 

of a proposition in advance, for the investor, 
is much more thoroughly accomplished than 
he could possibly do it for himself. If a 
client's investigations are not complete — 
and they rarely are — he can but lose the 
limited amount of his investment, while if 
our investigations do not disclose the facts — 
and all of them — we not only risk many 
times the individual's loss in money, but 
jeopardize our reputation, which no amount 
of money could replace. 

The Fiduciary Company stands in a posi- 
tion of peculiar importance to those who 
become investors in it§ offerings, as well as 
to the enterprises it finances. 

With an organization of mining and 
mechanical engineers, and legal experts, it 
can examine any property presented for 
consideration, to the most minute detail, 
rendering a decision based upon the abso- 
lute facts, never allowing bias, sentiment 
or speculation to affect its conclusions — 
thus protecting the investor to the fullest 

The "Fiduciary Method" consists of a 
perfectly organized system of getting in 
touch with a large number of investors who 
are seeking to benefit themselves finan- 
cially, and to place their surplus where it 
will bring profitable returns. 

The closest investigation is made of any 
property offered, and then the facts are 
presented — ALL of them — and it is only 
upon these facts that the company depends 
for its sales. 

The "Fiduciary Method" appeals exclu- 
sively to people who think for themselves 
and who can appreciate what the "Fiduciary 
Method" really means, and become our 

clients, realizing that they may always de- 
pend upon getting a "square deal." 

The business of this company must not 
be confused with that of a brokerage house. 
We are in no sense of the word "brokers." 
We do not deal in, or buy and sell miscel- 
laneous stocks. Our business is purely that 
of financing developed mining properties of 
unquestioned value. We organize a com- 
pany, become its fiscal agents, underwriting 
a sufficient amount of its stock to enable 
the company to become a dividend payer. 
Our work for and our connection with such 
corporations do not end when we have sold 
all the stock necessary for the purpose 

For the better protection of our clients* 
interests, we always nominate some of the 
directors of each corporation financed. 
When any company that we may finance 
has become a dividend-payer, we arrange 
to have the stock listed on some one of 
the recognized stock exchanges, and when 
this is done we employ a trust company to 
act as registrar, we acting as transfer 
agents. In this way we are always in close 
touch with all companies that we have 
financed, and are in position to protect to 
the fullest extent the interests of those who 
have entrusted to us their money. 

"FIDUCIARY" stamped upon any propo- 
sition is as "STERLING" upon silver. 

Send us your name and address and we 
will cheerfully submit to you such offerings 
as we may have. 

The Fiduciary Company, 

Ninth Floor, Tacoma Building, 




1 1 HE FIDUCIARY COMPANY always has on 

^ hand for public subscription the stock of some 
good mining property in one of the various 
stages of development up to the point of becoming a 
dividend payer. 

The price asked for this stock is either at or below 
par ; the object of its sale being to furnish capital for 
the development of the property, such as the installa- 
tion of mining and milling machinery, the payment of 
labor, etc., etc., at the same time placing in the hands 
of the Company's clients an excellent investment, 
which combines safety with a good income. The 
invariable rule of stocks of this character is a marked 
appreciation in value when they reach the dividend- 
paying basis, and a good sized monthly or quarterly 
dividend which comes as the natural result. 

If you are interested, and would like to receive 
literature on the mining property now being financed, 
kindly sign and send to us the blank on the other side 
of this page, and we will mail it at once. 


Ninth Floor, Tacoma Building 






O 8 




o c 



































^ V, 








"Peace be within thy walls, and prosperity within 
thy palaces." 

HERE need be no poor homes. 
Every home can be prosperous. 
You can prove this by getting busy 
along the right Hnes. Every visible 
item of wealth in the world today can be 
traced to its invisible source. Food comes 
from grains. Grain is planted in the earth; 
but who sees or knows the secret quickening 
that touches the seed and makes it to bear a 
hundredfold? No one. That is all carried 
out in the invisible Source of things; but the 
result of that unseen force acting upon the 
grain is food for the multitude. 

The physical substance that v/e call the 
earth is the visible form of the spiritual sub- 
stance that pervades all things. The grain 
is put into the earth, but it is the quickening 
thought that runs through the spiritual uni- 
verse that causes the life germ to start and 
take hold of the physical substance that 
nourishes it. 

The Word is the seed. The Word is 
dropped into the spiritual substance. It ger- 
minates. It grows. It brings forth after its 
kind. "Do men gather grapes of thorns, or 
figs of thistles?" 

You who farm and you who garden 

choose the seed for next year's planting from 
the finest specimens of this year's crop. You 
reject every defective seed that you detect. 
If you think that your own harvest does not 
give you the right seed for the coming plant- 
ing, you send abroad for the best to be had. 
In this way you make sure of the nature of 
your coming crop. 

If you want prosperity in your home you 
will have to exercise the same intelligent dis- 
crimination in your Word seed that the 
farmer uses in selecting his corn seed. 

When you talk and talk "hard times" 
and "money scarce," you are sowing hard- 
times and money-scarce seed. By the sure 
law of growth and yield, what kind of a 
harvest will you reap? If a farmer sowed 
thistle seed and then complained that his field 
did not yield him wheat, you would say, 
"The foolish man! If he wanted wheat, 
why didn't he sow wheat?" 

You can begin now to bring prosperity 
into your home. The first thing for you to 
do is to discard the words that have in them 
the idea of poverty, and then select carefully 
the words that hold the idea of plenty. 
Never make an assertion, no matter how true' 
it may look on the surface, that you do not 
want continued or reproduced in your home. 
Do not say that money is scarce with you ; the 
very statement of such an idea will send 
money fleeing from your fingers. Never say 
that times are hard with you; that word will 
tighten your purse strings until Omnipotence 

is powerless to loosen them to slip in a dime. 

Begin right now to talk plenty, think 
plenty, give thanks for plenty. 

The spiritual substance out of which the 
visible item of wealth comes is never de- 
pleted. It is right with you all the time. It 
will respond to your faith in it. It will yield 
according to your demands upon it. It is 
never affected by your ignorant talk about 
hard times, but you are affected, because 
your ideas govern your demonstration. The 
unfailing Resource is always willing to give. 
It has no choice in the matter; it must give, 
for that is its nature. Pour your living words 
of faith into this mind substance, and you 
will be prospered, though every bank in the 
world shut its doors. Turn the energy of 
your thought upon "plenty" ideas, and you 
will have plenty, no matter what men about 
you are saying. 

Another thing: You are not to take your 
prosperity as a matter of fact. Youare to 
be as deeply grateful for every denionstration 
as you would be for some unexpected treasure 
poured into your lap. You are to expect 
prosperity because you are keeping the law, 
but you are to give thanks for every blessing 
that you gam. This keeps your heart fresh. 
Thanksgiving for good may be likened to the 
rain that falls upon the ready soil, refreshing 
vegetation and increasing its productiveness. 
When Jesus Christ had only a little supply 
from which to feed a multitude, he gave 
thanks for ivhat he had, and that little grew 

into such an abundance that all rvere satisfied 
and much Tvas left over. 

Blessing has not lost its power sincethe 
time that Jesus Christ used it. Try it an3 
prove its efficacy. The same power of multi- 
plication is within it. Praise and thanks- 
giving Kave within them the quickening, spir- 
itual power that produces growth and in- 

Never condemn anything that is in your 
home. If you want new articles of furniture 
or clothing to take the place of that which 
may be at the point of giving out, don't talk 
about what you have as being old or shoddy. 
Watch your ideas; see yourself clothed as 
befits the child of the King, and your house 
furnished as your ideals make pleasing. It 
will all come. Use the patience, the wisdom, 
and the assiduity that the farmer employs in 
his planting and cultivating, and your crop 
will be as sure as his. 

The truths that are here spoken are vi- 
talized and energized with the living Spirit. 
Your minds and hearts are now open and 
receptive to the ideas that shall inspire you 
with the understanding of the potency of your 
own thought and word. You are prospered. 
Your home has become a magnet, drawing to 
it all good from the unfailing, inexhaustible 
reservoir of supply. Your increase comes 
through your righteousness. "The blessing 
of the Lord, it maketh rich, and he addeth no 
sorrow with it." 


Myrtle Fillmore 

An understanding of the basic principles 
of Practical Christianity is gained through 
reading "Wee Wisdom's Way." The book 
contains the true experiences of the power 
and results of Truth teachings. 

One cannot fail to grasp the fundamentals 
of Christian Healing after reading the simpli- 
fied lessons in Myrtle Fillmore's "Wee Wis- 
dom's Way." While the book has been 
written in the form of a story, it teaches 
plainly the valuable truths which produce a 
healthful, happy life. The teaching is prac- 
tical. The story reaches the inner personal 
life and establishes the creative idea of the 
healing power of Christ in the heart of the 

This hook 's for those ipho are searching 
for a simple exposition of the Science of 

And for the child and youth we cannot 
recommend a better book. The universal 
truths are made perfectly clear in language 
that young people can understand. No 
longer is the secret of health and happiness 
concealed from them when they have heard 
the message of "Wee Wisdom's Way." 

The book contains a number of note- 
worthy illustrations. It is well printed and 
beautifully bound. The price of the edition 
de luxe is $1.50, postpaid. 

Tenth and Tracy Avenue, Kansas City, Missouri 


fep H. Emilie Cady 

A complete course of instruction in the 
fundamentals of Christian Healing. The 
best course for beginners in the study of the 
Truth of Being, and very acceptable to those 
who, educated in other forms of religious 
thought, are seeking for more light. 

It would require a large volume to contain 
the testimonials that have been freely given 
by those who have been mentally and spir- 
itually illuminated and physically healed by 
reading these inspired lessons. 

They have been the most widely read les- 
sons on Truth published, and can be read 
and re-read with increased appreciation and 
value by every class of religious and think- 
ing people. 

Contents: 1, Statement of Being; 2, 
Thinking; 3, Denials; 4, Affirmations; 5, 
Faith; 6, Definitions; 7, Spiritual Under- 
standing; 8, Secret Place of the Most High; 
9, Finding the Secret Place; 10, Spiritual 
Gifts; 1 1, Unity of the Spirit; 12, Bondage 
or Liberty — Which? 

Cloth binding stamped in gold, gold top, 
price $1.00; trench edition, $1.50; limp 
binding (pocket edition), $2.50. In neat 
paper cover, 50 cents. 


Tenth and Tracy Avenue, Kansas City, Mo. 


Charles Fillmore 

This book is a systematic explanation of 
the healing taught and demonstrated by 
Jesus Christ. 

There are twelve lessons in "Christian 
Healing" which come under the following 
subjects: 1, The True Character of Being; 
2, Supreme Being's Perfect Idea; 3, Mani- 
festation; 4, The Formative Power of 
Thought; 5, How to Control Thought; 6, 
The Word; 7, Spirituality, or Prayer and 
Praise; 8, Faith; 9, Imagination; 10, Will 
and Understanding ; II , Judgment and Jus- 
tice; 12, Love. 

In addition to these twelve regular lessons 
there are Auxiliary Lessons and essays on 
vital subjects, treatments for special cases, 
and one chapter on *'How Healing Is 
Done," giving treatment instructions. There 
is also a set of affirmations for spiritual de- 
velopment accompanying each regular lesson. 

The sixth edition revised, containing 260 
pages, sells for 75 cents per copy in neat 
brown paper cover, and $1.50 per copy in 
substantial cloth binding; trench edition for 
soldiers, $1.50. Limp binding (pocket 
edition, $2.50. 

Tenth and Tracy Avenue, Kansas City, Missouri 

Unity School of Christianity, 
Kansas City, Missouri 

Publishes numerous books and the following 
periodicals that promulgate Practical Chris- 
tianity : 

UNITY MAGAZINE— The applica- 
tion of Practical Christianity in the life and 
affairs of man is the keynote of this magazine. 
Its teaching explains the laws of Being v;nich 
govern the mental and physical realm. 
Unit^ Magazine is a monthly periodical of 
100 pages. The subscription price is $1.00 
a year. 

WEEKLY UNITY— This Truth pa- 
per has helpful messages for all people. It 
contains eight pages of uplifting and inspir- 
ing reading. The practical subjects found in 
Weekly Unity will prove helpful to you. In 
the columns of "Weekly" are reviewed the 
great thoughts and ideas of the foremost 
metaphysical thinkers of the world. Price 
$1.00 a year. 

WEE WISDOM— Here is a monthly 
periodical that teaches the child and youth 
the secret of health and happiness. It pre- 
sents the Truth in language that the young 
reader can understand. Wee Wisdom is full 
of stories, poems and articles that are inter- 
esting and instructive. The subscription price 
is 50 cents a year. 

(P9— lOM— 4-18) 

SOUTHERN Pe'jiO',^-. 

B 000 003 356 3