Golf without bunkers and hazards would be tame and monotonous. So would life.

Summer, with its dog days, its vacations, its distractions, is over. We have had our holidays, our rest, our recreation. The fall season, with its new opportunities for effort, enterprise and achievement, is upon us. Let us rip off our coats and get down to business. We may have allowed pessimism to grip us during the summer months. We may even have allowed laziness to enter our bones. Now it is up to us to throw off both lassitude and pessimism. The time has come for action, for aggressiveness.

How you start is important, very important, but in the end it is how you finish that counts. It is easier to be a self-starter than a self-finisher. The victor in the race is not the one who dashes off swiftest but the one who leads at the finish. In the race for success, speed is less important than stamina. The sticker outlasts the sprinter in life's race. In America we breed many hares but not so many tortoises.

The man who is too busy to read is never likely to lead.

Happiness is normally the prime search of every rational human being. One way to derive increasing happiness during the year we have just entered is to strive diligently to promote the happiness of others, to think of them first, yourself second. Happiness is the greatest tonic, the greatest elixir, of all. Worry is among the worst poisons. One sensible New Year resolution: I will do my utmost to have consideration for others, to exercise usefulness, to radiate happiness, to conquer worrying over things I cannot possibly remedy.

I have known not a few men who, after reaching the summits of business success, found themselves miserable on attaining retirement age. They were so exclusively engrossed in their day to day affairs that they had no time for friend making.

How many men I know who are earning dollars aplenty, but who are really earning little of what counts. They are so overwhelmingly engrossed in business that they get nothing from their dollars. The Juggernaut of dollar-making has crushed out of them every capacity for genuine enjoyment, every grace, every unselfish sentiment and instinct.