"The Rothschilds have another maxim: "Never have anything to do with an unlucky man or place." That is to say, never have anything to do with a man or place which never succeeds, because, although a man may appear to be honest and intelligent, yet if he tries this or that thing and always fails, it is on account of some fault or infirmity that you may not be able to discover but nevertheless which must exist.

There is no such thing in the world as luck. There never was a man who could go out in the morning and find a purse full of gold in the street to-day, and another to-morrow, and so on, day after day: He may do so once in his life; but so far as mere luck is concerned, he is as liable to lose it as to find it. "Like causes produce like effects." If a man adopts the proper methods to be successful, "luck" will not prevent him. If he does not succeed, there are reasons for it, although, perhaps, he may not be able to see them."

"You reflect that he is worth twenty thousand dollars, and you incur no risk by endorsing his note; you like to accommodate him, and you lend your name without taking the precaution of getting security. Shortly after, he shows you the note with your endorsement canceled, and tells you, probably truly, "that he made the profit that he expected by the operation," you reflect that you have done a good action, and the thought makes you feel happy. By and by, the same thing occurs again and you do it again; you have already fixed the impression in your mind that it is perfectly safe to indorse his notes without security."

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"Go on in confidence, study the rules, and above all things, study human nature; for
"the proper study of mankind is man," and you will find that while expanding the intellect
and the muscles, your enlarged experience will enable you every day to accumulate more
and more principal, which will increase itself by interest and otherwise, until you arrive
at a state of independence. You will find, as a general thing, that the poor boys get rich and the rich boys get poor."

There are many rich poor men,” while there are many others, honest and devout men and women, who have never possessed so much money as some rich persons squander in a week, but who are nevertheless really richer and happier than any man can ever be while he is a transgressor of the higher laws of his being.

The inordinate love of money, no doubt, may be and is “the root of all evil,” but money itself, when properly used, is not only a “handy thing to have in the house,” but affords the gratification of blessing our race by enabling its possessor to enlarge the scope of human happiness and human influence. The desire for wealth is nearly universal, and none can say it is not laudable, provided the possessor of it accepts its responsibilities, and uses it as a friend to humanity.

The history of money-getting, which is commerce, is a history of civilization, and wherever trade has flourished most, there, too, have art and science produced the noblest fruits.

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"Davy Crockett said:
"This thing remember, when I am dead: Be sure you are right, then go ahead."

It is this go-aheaditiveness, this determination not to let the "horrors" or the "blues" take possession of you, so as to make you relax your energies in the struggle for independence, which you must cultivate.

How many have almost reached the goal of their ambition, but, losing faith in themselves, have relaxed their energies, and the golden prize has been lost forever.

It is, no doubt, often true, as Shakespeare says:

"There is a tide in the affairs of men, Which, taken at the flood, leads on to fortune."

If you hesitate, some bolder hand will stretch out before you and get the prize. Remember the proverb of Solomon: "He becometh poor that dealeth with a slack hand; but the hand of the diligent maketh rich."

Perseverance is sometimes but another word for self-reliance. Many persons naturally look on the dark side of life, and borrow trouble. They are born so. Then they ask for advice, and they will be governed by one wind and blown by another, and cannot rely upon themselves. Until you can get so that you can rely upon yourself, you need not expect to succeed."

Science is another important field of human effort. Science is the pursuit of pure truth, and the systematizing of it. In such an employment as that, one might reasonably hope to find all things done in honesty and sincerity. Not at all, my ardent and inquiring friends, there is a scientific humbug just as large as any other. We have all heard of the Moon Hoax. Do none of you remember the Hydrarchos Sillimannii, that awful Alabama snake? It was only a little while ago that a grave account appeared in a newspaper of a whole new business of compressing ice. Perpetual motion has been the dream of scientific visionaries, and a pretended but cheating realization of it has been exhibited by scamp after scamp. I understand that one is at this moment being invented over in Jersey City. I have purchased more than one “perpetual motion” myself. Many persons will remember Mr. Paine — “The Great Shot-at” as he was called, from his story that people were constantly trying to kill him — and his water-gas. There have been other water gases too, which were each going to show us how to set the North River on fire, but something or other has always broken down just at the wrong moment. Nobody seems to reflect, when these water gases come up, that if water could really be made to burn, the right conditions would surely have happened at some one of the thousands of city fires, and that the very stuff with which our stout firemen were extinguishing the flames, would have itself caught and exterminated the whole brave wet crowd!

The best kind of charity is to help those who are willing to help themselves. Promiscuous almsgiving, without inquiring into the worthiness of the applicant, is bad in every sense. But to search out and quietly assist those who are struggling for themselves, is the kind that “scattereth and yet increaseth.