No member of a firm can withdraw at his own option. The consent of the other partners is necessary, and before he is released he must provide for his share of the obligations. Notice of dissolution should be published, and notices sent to agents and others interested. The following is the customary form of notice: The copartnership heretofore existing between John Smith, Harry Roberts and Thomas Allen, under the firm name of Smith, Roberts & Co., is this day dissolved by mutual consent. John Smith. Harry Roberts. Thomas Allen. June 30, 1910. SPECIAL PARTNERSHIPS Limited or special partners are not recognized in some states. This is a method of association whereby a person joins a partnership, putting in a sum agreed on, and which he may stand to lose as an investment. He is entitled to a _pro rata_ in the profits, but he cannot be held for the debts. In some countries marriage is regarded as a civil contract or form of partnership, subject to dissolution by the courts. CHAPTER XXII INVESTMENTS It is a remarkable fact that many men who have shown remarkable shrewdness in conducting a business in which a fortune may have been accumulated, exhibit the judgment of children when it comes to making investments. There are able lawyers who have made fortunes in the practice of the profession which they understood, only to lose them by investments in mines or other ventures, about which they knew absolutely nothing but what was told them by the scheming speculator and smooth-tongued promoter. As has been intimated before in these pages, there is a great difference between saving through and hoarding through a spirit of miserliness. SAVINGS Every wage or salary earner, no matter how small his compensation, should try to lay by something of that little as a provision against the unproductive days. No matter how small the amount a man has set aside, after paying for life's necessities and meeting all just debts, he is to that extent a capitalist. The miser would hide his savings out of reach, but the man with the foresight to save will usually have the judgment to place these savings where they will fructify and grow, producing the fruitage known as interest. The young man or the young woman, or any one else who places his little accumulations in a savings bank, has begun a form of investment that may, if persisted in, place him or her above want, even if it does not entitle either to a place on the lists of great capitalists. CAPITALISTS The capitalist not only has money of his own to invest, but he may and very often does need more money properly to exploit the enterprises in which he is engaged. Money loaned to such men, after being assured of their ability and integrity, is an advantage to the lender as it is to the user.