Courtesy is doing that which nothing under the sun makes you do but human kindness. Courtesy springs from the heart; if the mind prompts the action, there is a reason; if there be a reason, it is not courtesy, for courtesy has no reason. Courtesy is good will, and good will is prompted by the heart full of love to be kind. Only the generous man is truly courteous. He gives freely without a thought of receiving anything in return.

Many concerns now make part or the whole of their dividends from by-products that formerly went to waste. How do we, as individuals, utilize our principal by-product? Our principal by-product is, of course, our leisure time. Many years of observation forces the conclusion that a man's success or failure in life is determined as much by how he acts during his leisure as by how he acts during his work hours. Tell me how a young man spends his evenings and I will tell you how he is likely to spend the latter part of his life.

Success consists of being and doing, not simply accumulating.

J.P. Morgan, then past 70, was asked by the son of an eminent father why he [Morgan] didn't retire. When did your father retire? asked Mr. Morgan, without looking up from his desk. In 1902. When did he die? Oh, at the end of 1904. Huh! snapped Mr. Morgan, If he had kept on working he would have been alive still. Work is God's best medicine. It is God's medicine for man.

Many men who do creditable things refuse to let it be known. This is a mistake. While we all admire modesty, nevertheless there is a great national need to do everything possible to bring home to the rank and file of the people that all employers and all wealthy men are not grinding, mercenary, selfish skinflints, but that many of them take delight in doing helpful things for others ... Shortcomings of employers are constantly paraded. Why not let the public become acquainted with the better side which most present-day employers possess?

That which is useless dies. Animals that fail to serve some useful purpose in the scheme of things slowly but surely become extinct. Let any part of the human body cease to perform its ordained function, and it withers-as when an arm is kept long in a sling. This same decree, that nothing useless is permitted to survive, runs through the mind of the industrial world.

Managing the other fellow's business is a fascinating game. Trade unionists all over the country have pronounced ideas for the reform of Wall Street banks; and Wall Street bankers are not far behind in giving plans for the tremendous improvement of trade union policies. Wholesalers have schemes for improving the retailer; the retailer knows just what is wrong in the conduct of wholesale business-and we might go through a long list.... Yet for some reason the classes that ought to be helped keep on stubbornly clinging to their own method of running their affairs.