as many of us throw away our lives, and his money lasted him two years.
Had his life been equally at his disposal, he would have been in the
hands of the pale Receiver, Death, when his oil-wells passed to other
owners. Having so precious a pearl, therefore, as this life, let us make
its setting a thing of beauty. Let us invest our moments as


THE WISE MAN,

who, instead of buying on time and paying eight per cent. interest,
saves his earnings and puts them out at eight per cent. interest, thus
reaping a difference of sixteen per cent., or nearly one-sixth of his
yearly surplus. Every idea put into your head is invested at interest.
Every expenditure of time which is a waste is a payment of interest, a
corroding, double-acting agency of evil to your welfare.


YOU WANT TO SUCCEED IN THE WORLD,--

of course, you do! Look out, and do not let the thrifty men of brains
lend you their ideas at that fatal eight per cent., which, in reality,
means fully sixteen! Put into the deposit-vaults of your memory the
diligent results of your study. Those you put in earliest will pay the
most profit. When you are thirty years old there will be few with
heavier coffers. You will have little need to complain of


FAVORITISM AND DISCRIMINATION

then. On the contrary, you will, strangely enough, hear many lay that