Those who fail in life are, however, very apt to assume a tone of injured innocence, and conclude to hastily that everybody excepting themselves has had a hand in their personal misfortunes. An eminent writer lately published a book, in which he described his numerous failures in business, naively admitting, at the same time, that he was ignorant of the multiplication-table; and he came to the conclusion that the real cause of his ill-success in life was the money-worshiping spirit of the age. Lamartine also did not hesitate to profess his contempt for arithmetic; but, had it been less. probably we should not have witnessed the unseemly spectacle of the admirers of that distinguished personage engaged in collecting subscriptions for his support in his old age.

Again, some consider themselves born to ill-luck, and make up their minds that the world invariably goes against them without any fault on their own part. We have heard of a person of this sort who went so far as to declare his belief that if he had been a hatter, people would have been born without heads! There is, however, a Russian proverb which says that Misfortune is next door to Stupidity; and it will often be found that men who are constantly lamenting their ill- luck, are in some way reaping the consequences of their own neglect, mismanagement, improvidence, or want of application. Dr. Johnson, who came up to London with a single guinea in his pocket, and who once accurately described himself in his signature to a letter addressed to a noble lord, as Impransus, or Dinnerless, has honestly said, "All the complaints which are made of the world are unjust; I never knew a man of merit neglected; it was generally by his own fault that he failed of success."

Did you ever think of the intellectual qualifications essential to the successful business man? No? well, it would be very difficult to name such a qualification which the business man cannot make available.

Attention, application, accuracy, method, punctuality and dispatch, are the principal qualities required for the efficient conduct of business of any sort. These, at first sight, may appear to be small matters; and yet they are of essential importance to human happiness, well-being, and usefulness. They are little things, it is true; but human life is made up of comparative trifles. It is the repetition of little acts which constitutes not only the sum of human character, but which determines the character of nations. And where men or nations have broken down, it will almost invariably be found that neglect of little things was the rock on which they split. Every human being has duties to be performed, and, therefore, has need of cultivating the capacity for doing them; whether the sphere of action be the management of a household, the conduct of a trade or profession, or the government of a nation.

In addition to the ordinary working qualities, the business man of the highest class requires quick perception and firmness in the execution of his plans. Tact is also important; and though this is partly the gift of nature, it is yet capable of being cultivated and developed by observation and experience. Men of this quality are quick to see the right mode of action, and if they have decision of purpose, are prompt to carry out their undertakings to a successful issue. These qualities are especially valuable, and indeed indispensable, in those who direct the action of other men on a large scale, as for instance, in the case of the commander of an army in the field. It is not merely necessary that the general should be great as a warrior, but also as a man of business. He must possess great tact, much knowledge of character, and ability to organize the movements of a large mass of men, whom he has to feed, clothe, and furnish with whatever may be necessary in order that they may keep the field and win battles. In these respects Napoleon and Wellington were both first-rate men of business.

Not only does business require the highest order of intellect, but successful business men, particularly in America, have been the patrons of the arts and sciences and the founders of great schools. The prosperity of Princeton is largely due to Marquand and Bonner. the great Cooper Institute for the free education of poor boys and girls, in the applied arts and sciences, will endure as long as New York city, as a monument to the intellectual forethought and noble munificence of Peter Cooper. Girard College, in Philadelphia, which yearly sends out hundreds of young men—orphans on entrance, but admirable fitted to work their way in life—is a refutation of the charge that successful business men do not appreciate culture.

Lehigh University was founded by Judge Asa Packer, of Mauch Chunk, who began life as a canal-boat man. Lafayette College, Easton, points with pride to Pardee Hall, the gift of a man who began the life- battle without money or friends. Vanderbilt University, Stanford University, and scores of great schools go to prove that the great business men who endowed them, were not indifferent to culture and the needs of higher education.

Yes, business requires brains, and the better the brains and the more thorough their training, the greater the assurance of success.

CHAPTER XXI

PUT MONEY IN THY PURSE HONESTLY.