I risked much, but I made much.

Let your motto then always be 'Excelsior', for by living up to it there is no such word as fail.

Men, women, and children who cannot live on gravity alone need something to satisfy their gayer, lighter moods and hours, and he who ministers to this want is, in my opinion, in a business established by the Creator of our nature. If he worthily fulfills his mission and amuses without corrupting, he need never feel that he has lived in vain.

With the young man starting in business, let him understand the value of money by earning it.

I risked much, but I made much.

The truth is, the more kind and liberal a man is, the more generous will be the patronage bestowed upon him.

Every man should make his son or daughter learn some useful trade or profession, so that in these days of changing fortunes of being rich today and poor tomorrow they may have something tangible to fall back upon. This provision might save many persons from misery, who by some unexpected turn of fortune have lost all their means.