A. T. Stewart started life with a dollar and fifty cents. This merchant prince began by calling at the doors of houses in order to sell needles, thread and buttons. He soon found the people did not want them, and his small stock was thrown back on his hands. Then he said wisely, "I'll not buy any more of these goods, but I'll go and ask people what they do want." Thereafter he studied the needs and desires of people, found out just what they most wanted, endeavored to meet those wants, and became the greatest business man of his time.

Discreetly keep most of your radical opinions to yourself. When with people be a listener a large part of the time. Be considerate in every word and act, and resist the tendency to say clever things. The best evidence of your culture is the tone and temper of your conversation.

Books are ever available friends, ready to serve you at will.

Make your judgment trustworthy by trusting it. Cultivate regular periods of silence and meditation. The best time to build judgment is in solitude, when you can think out things for yourself without the probability of interruption.

The most successful men have used seeming failures as stepping stones to better things.

You can develop good judgment as you do the muscles of the body — by judicious, daily exercise.

Today is the day in which to express your noblest qualities of mind and heart, to do at least one worthy thing which you have long postponed, and to use your God-given abilities for the enrichment of some less fortunate fellow traveler. Today you can make your life . . . significant and worthwhile. The present is yours to do with it as you will.