The Law of
The Law of
EDWARD E. BEALS
Fonn«rly Maoager of The Science Prssj
Now Secretary of The Fiduciary Compaay
THE FIDUCIARY PRESS
Copyrieht, 1907. by
THE FIDUCIARY PRESS
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
Of BEING INDEPENDENT.
Mental Attitude .
Fear and Worr .
Claiming Your Own .
Making Money .
THE LAW OF FINANCIAL SUCCESS
(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
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-
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
THE LAW OF FINANCIAL SUCCESS
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-
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
THE LAW OF FINANCIAL SUCCESS
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
THE LAW OF FINANCIAL SUCCESS
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
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
Edward E. Beals.
Chicago, August 1, 1907.
THE LAW OF FINANCIAL SUCCESS
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-
THE LAW OF FINANCIAL SUCCESS
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
THE LAW OF FINA NCIAL SUCCESS
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.
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
THE LAW OF FINANCIAL SUCCESS
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.
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?
THE LAW OF FINANCIAL SUCCESS
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-
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
THE LAW OF FINANCIAL SUCCESS
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-
THE LAW OF FINANCIAL SUCCESS
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
FEAR AND WORRY
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
THE LAW OF FINANCIAL SUCCESS
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.
FEAR AND WORRY
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.
THE LAW OF FINANCIAL SUCCESS
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
THE LAW OF FINANCIAL SUCCESS
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-
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-
THE LAW OF FINANCIAL SUCCESS
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-
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
THE LAW OF FINANCIAL SUCCESS
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
there's the rub — few have that courage and nerve.
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.
THE LAW OF FINANCIAL SUCCESS
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
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
THE LAW OF FINANCIAL SUCCESS
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
THE LAW OF FINANCIAL SUCCESS
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
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
THE LAW OF FINANCIAL SUCCESS
haven't reach out and gather to themselves the good
things of life, throwing the '*cores** and leavings to
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
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-
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.
THE LAW OF FINANCIAL SUCCESS
^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.'*
THE LAW OF FINANCIAL SUCCESS
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
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.
THE LAW OF FINANCIAL SUCCESS
"(?^ 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
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
THE LAW OF FINANCIAL SUCCESS
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.
^^1^1^— — — I— ^^iiBiiMM^MMi^— i^iaiiiiiwiB iiimmiiim—iiwi^— —■■■■!
THE LAW OF FINANCIAL SUCCESS
The struggle may be short, or it may be long, but
the end is the same always — the man of the strongest
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.
THE LAW OF FINANCIAL SUCCESS
**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
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.
THE LAW OF FINANCIAL SUCCESS
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
THE LAW OF FINANCIAL SUCCESS
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.
THE LAW OF FINANCIAL SUCCESS
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
THE LAW OF FINANCIAL SUCCESS
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.
THE LAW OF FINANCIAL SUCCESS
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
THE LAW OF FINANCIAL SUCCESS
(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
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
THE LAW OF FINANCIAL SUCCESS
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 —
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.
THE LAW OF 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
THE LAW OF FINANCIAL SUCCESS
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
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.
THE LAW OF FINANCIAL SUCCESS
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
^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.'*
THE LAW OF FINANCIAL SUCCESS
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-
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
THE LAW OF FINANCIAL SUCCESS
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
THE LAW OF FINANCIAL SUCCESS
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 c.re 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-
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
THE LAW OF FINANCIAL SUCCESS
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
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
THE LAW OF FINANCIAL SUCCESS
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
CLAIMING YOUR OWN
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
THE LAW OF FINANCIAL SUCCESS
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
"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-
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,
THE LAW OF FINANCIAL SUCCESS
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
MAKING MONEY ^^
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.
THE LAW OF FINANCIAL SUCCESS
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-
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
THE LAW OF FINANCIAL SUCCESS
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.
THE LAW OF FINANCIAL SUCCESS
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.
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
" '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
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
THE LAW OF FINANCIAL SUCCESS
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.
I. NATURE OF ENTERPRISE.
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*?
II. PLAN OF ORGANIZATION.
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?
III. PRESENT CONDITION OF ENTERPRISE.
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 ?
V. PLAN OF OPERATION.
1. What is the general plan of operation ?
2. What special reasons, if any, led to its adoption
VI. THE PROPOSITION.
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 ?
THE LAW OF FINANCIAL SUCCESS
4. If common stock is offered, do preferred stock, bonds or
other profit-sharing obligations take precedence and to what
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 ?
DEFINITION OF THE WORD
€[,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
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
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
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
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.
THE FIDUCIARY COMPANY
Ninth Floor, Tacoma Building
PROSPERITY IN THE HOME
"Peace be within thy walls, and prosperity within
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
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."
"WEE WISDOM'S WAY"
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.
UNITY SCHOOL OF CHRISTIANITY
Tenth and Tracy Avenue, Kansas City, Missouri
LESSONS IN TRUTH
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-
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.
UNITY SCHOOL of CHRISTIANITY
Tenth and Tracy Avenue, Kansas City, Mo.
This book is a systematic explanation of
the healing taught and demonstrated by
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
UNITY SCHOOL OF CHRISTIANITY
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-
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
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)
B 000 003 356 3