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The distinguished American, James Halford, rose, step by step, up the ladder of fortune till he reached the top. Some twenty years before he had stood at the bottom, and it was curious to hear what the world said.

“It is all luck,” cried one. “Nothing but luck. Why, sir, I have managed at times to get up a step or two, but have always fallen down ere long; and now I have given up striving, for luck is against me.”

“No, sir,” cried another, “it is not so much luck as scheming; the selfish schemer goes up, while more honest folk remain at the foot.”

p. 185“Patronage does it all,” said a third. “You must have somebody to take you by the hand, and help you up, or you have no chance.”

James Halford heard all these varied opinions of the world, but still persisted in looking upwards, for he had faith in himself. He rose from the lowest situation in a store till he became a trader for himself, and amassed a large fortune.

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Mr. Freedley’s unvarying motto was—“Self-reliance and self-dependence.” He said—“My observations through life satisfy me, that at least nine-tenths of those most successful in business start in life without any reliance except upon their own heads and hands—hoe their own row from the jump.”

Nicholas Longworth, the Cincinnati millionaire, says—“I have always had these two things before me:—Do what you undertake thoroughly. Be faithful in all accepted trusts.”

Stephen Gerard’s motto was the well-worn one—“Take care of the cents, the dollars will take care of themselves.”

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Mr. Stuart, the merchant prince of New York, said—“No abilities, however splendid, can command success without intense labour and persevering application.”

David Ricardo had his three golden rules when on the Stock Exchange. They were—“Never refuse an option when you can get it.” “Cut short your losses.” “Let your profits run on.”

A man who had, by his own unaided exertions, become rich, was asked by his friend the secret of success. His reply was—“I accumulated about half my property by attending to my own business, and the other half by letting other people’s entirely alone.”

According to the great Wedgewood, there was another—an eleventh commandment; and it was—“Thou shalt not be idle.”

Let us string together, in this collection, a few of Poor Richard’s maxims—

“I never saw an oft-removed tree,

Nor yet an oft-removed family,

That throve as well as those that settled be.”

Again, he wrote—