also setting forth a lesson for the younger generation of business
men, showing clearly how different would have been the conditions
had my wisdom come before my experience.

This latter chapter was written at the suggestion of an eminently
successful New York business man, president of one of the largest
and oldest concerns in the United States.

WILLIAM INGRAHAM RUSSELL.
"CHESTNUT RIDGE"
Jessup, Maryland,

February 15th, 1907.




AUTHOR'S NOTE TO THIRD EDITION



Why is it published?

The second Edition--long out of print, still orders that could not
be filled were continually received. These have come from nearly
every State in the Union and as the book has never been advertised
other than by press reviews and the favorable comment of readers,
this demand means something.

Perhaps if you read the narrative you will discover the answer.