“As a rule, the small inheritance, which, to a boy, would seem large, has a tendency to lessen his efforts, and is a great damage to him in the way of acquiring habits necessary to success. Above all, no one can acquire a fortune unless he makes a start; and the habit of thrift, which he learns in saving his first hundred dollars, is of inestimable value later on. It is not the money, but the habit which counts. There is no one so helpless as a man who is ‘broke,’ no matter how capable he may be, and there is no habit so detrimental to his reputation among business men as that of borrowing small sums of money. This cannot be too emphatically impressed upon young men. Another thing is that none but the wealthy, and very few of them, can afford the indulgence of expensive habits; how much less then can a man with only a few dollars in his pockets? More young men are ruined by the expense of smoking than in any other way. The money thus laid out would make them independent, in many cases, or at least would give them a good start. A young man should be warned by the melancholy example of those who have been ruined by smoking, and avoid it.” TRAITS OF INFLUENTIAL MEN. “What marked traits have the influential men, with whom you have been associated, possessed, which most impressed you?” “A habit of thinking and acting for themselves. No end of people are ruined by taking the advice of others. This may answer temporarily, but in the long run it is sure to be disastrous. Any man who hasn’t ability to judge for himself would better get a comfortable clerkship somewhere, letting some one of more ambition and ability do the thinking necessary to run the business.” “Are the opportunities for making money as numerous to-day as they were when you started in business?” “Yes, the progress of science and invention has increased the opportunities a thousandfold, and a man can find them wherever he seeks them, in the United States in particular. It has caused the field of employment of labor of all kinds to expand enormously, thus creating opportunities which never existed before. It is no longer necessary for a man to go to foreign countries or distant parts of his own country to make money. Opportunities come to him in every quarter. There is hardly a point in the country so obscure that it has not felt the revolutionizing influence of commercial enterprise. Probably railroads and electricity are the chief instruments in this respect. Other industries follow closely in their wake.” SOME SECRETS OF SUCCESS. “In what part of the country do you think the best chances for young men may be found?”