There are men endowed with the sense which gives appreciation of values and the knowledge of property to such an extent that they are artists in the manipulation of finances. They accumulate fortunes, and the world admires their accomplishments; and one who has less of this world's goods is accustomed to wish that he had as much sense as Vanderbilt or Gould. The fact may be, that he has more sense in the aggregate than either, but it is not the same kind of sense. Other things being equal, the man with large Acquisitiveness will exhibit more sense in acquiring property, and the man with large Caution and Secretiveness more sense in economizing, than those having these organs small. It is curious to observe the different phases of financial sense in different individuals. One man will be a miser, eager to get and anxious to hold property; another will be close and cautious in taking care of the property he inherits, but will exhibit no special ability in increasing his riches; another displays great ability in making money, but spends it lavishly; while still another may show indifference to the acquisition of property or the care of it. All of these various combinations I have delineated correctly with utter strangers, in thousands of instances. They all depend on the development of the various organs of special sense, and a man may be educated at any period of life, so as to correct his financial sense and make him more successful in accumulating and holding property. Some men are good collectors, while others fail to exact their just dues. One man will dun his debtors with a persistence and regularity, and with a force and dignity which compels payment even from those who wish to avoid it; while another will be diffident, and often suffer the most humiliating emotions in presenting his demands--in fact, often failing to exact payment from those who are perfectly able and willing to meet the account. Others are careless about paying their debts, and lose financial standing in the community by neglecting their dues, without any desire whatever to avoid payment, while others are punctilious in financial matters to the greatest degree. All of which variety of financial dispositions are the result of development of special combinations of brain organs, and susceptible to material modification by proper influences. It is as absolutely essential to the success of the man of commerce that he should be well developed in the organs which give the financial instincts, as it is that the artist should be developed in those which give a sense of artistic effect. Hundreds of men go into bankruptcy every year because of deficient development in this respect, being crowded to the wall by the superior strength of men of greater business sagacity. It cannot be too strongly impressed upon the young business men of this country that the true road to fortune is in a correct knowledge of adaptation in business and in constantly educating the financial senses.