^84 K 
 C8J5 
 
 $ 
 
GIFT OF 
 
 Class of 1900 
 
TH E LA\<V O F 
 
 INANCIAL 
 
 BDSn^nRO H. oo3iu:les, d. f». 
 
 P\»bUsKecl by the 
 
 ALTA VISTA PUBLISHING CO. 
 
 SANT^ CKUZ. OVLir 
 
Tbots Hew and 
 Old. 
 
 Edited by Edward H- Cowles, D. P. 
 
 A Journal of 
 
 INDIVIDUALITY, 
 SELF-HELP, 
 INSPIRATION, 
 SUCCESS, 
 HAPPINESS, 
 
 AND 
 HIGHER DEVELOPMENT. 
 Teaching the 
 
 NEW PSYCHOLOGY, 
 
 LAWS OF LIFE AND HEALTH, 
 
 AND 
 MENTAL DEVELOPMENT. 
 
 It aims at the higher development of the 
 real man and the unfolding of his latent Forces 
 and Powers. It deals with Facts, not Theories. 
 It is Practical, and its teachings aim at the 
 Spiritual, Financial, Social and Physical better- 
 ment of the Individual. 
 
 You want this! It will help YOU! 
 Issued quarterly — Costs but 25c per year. 
 Subscribe for it— Do it now ! 
 
 THE ALTA VISTA PUBLISHING CO., 
 Drawer Y. Santa Cruz, Calif. 
 
 A fKistal vrill bring you sample copy. 
 
Digitized by tine Internet Archive 
 
 in 2007 with funding from 
 
 IVIicrosoft Corporation 
 
 http://www.archive.org/details/financialsuccessOOcowlrich 
 

Copyright by 
 
 EDWARD H. COWLES, D, P. 
 
 1905. 
 
 • •••••• • 
 
 • • • •« • » • 
 • • • •' • «• 
 
 
THE LiAW OF 
 
 pinapcial 
 
 Success 
 
 A WORKING HYPOTHESIS 
 For the Practical application of the Laws and 
 Principles governing the achievement of Financial 
 Success. 
 
 By 
 BDWflf^D \{. COWliHS, D. P. 
 
 Editor "Thoughts Newand Old." Author 
 
 of "Science and Philosophy of lyife," 
 
 "Modern Methods of Mental Medicine." 
 
 Etc. 
 
 PRICE, FIFTY CENTS. 
 
 Published by the 
 Alia Vista FuNishin^jQompanyy 
 Santa C,'y,ii,\'Gn^HfoYniay '^^^ 
 
Cl\ 
 
 ass 
 
 ^^■^' 
 
You 
 
 And Quality, not Quantity — Values, not 
 
 I. Bulk! The paper in this book costs 
 
 but a few cents, but I am not sell- 
 ing "paper." If it is "paper" you want, go to the 
 paper dealer and you can buy it cheap. If you want 
 Ideas — ^that is what I offer — here you have them. 
 They will cost you just Fifty cents. They are worth 
 that to me — that is, I am satisfied with Fifty cents 
 from you for what has cost me years of time and 
 many hundreds of dollars to learn. It is worth a 
 hundred times Fifty cents to YOU if you are awake 
 and thinking — perhaps a thousand times Fifty cents 
 before you are many years older. But "Fifty cents" 
 gives me a good — very good profit on my book, and 
 my book will give you a very much greater profit on 
 your ''Fifty cents/' if you are on the alert and are 
 shrewd enough to profit by what I tell you and put 
 these Laws and Principles into practical use. 
 
 886384 
 
The Law of * 
 
 Financial Success. 
 
 I have money, but I want more of it to carry out 
 my Ideals and Life purposes, and this is one of the 
 ways I have '"opened" for it to come to me (see page 
 33) — Fifty cents from you. See how easily it comes ? 
 How easily and naturally you put your hand into 
 your pocket after that "Fifty cents'/' Why? 
 Just because I have good big value to give you for 
 it!! I have ''opened the way'' for your Fifty cents to 
 be transferred to me — and I opened it so well that 
 it came easily and with pleasure on your part. You 
 are glad to part with your Fifty cents because you 
 know you are getting the largest kind of "Value 
 Received" for it, while I am glad to share my Ideas 
 with you, partly because I make some money by it, 
 but more especially because I know I can help you 
 to help yourself to the things that will do you a 
 world of good. 
 
 I want your money, YOU want my Ideas, so we 
 are both satisfied. Ideas are more than the Dollars! 
 Did you ever think of that? With Ideas the Dollars 
 will come, but Ideas don't come with the Dollars — 
 that is, the Dollars don't make them come, while the 
 Ideas DO make the Dollars come, therefore I have 
 the satisfaction of knowing; that in this exchange of 
 Values, I have given you the larger and better 
 part— I have given you Thots and Ideas that will 
 make hundreds and thousands of Dollars for you 
 if you will apply them— all for Fifty cents. 
 
The Law of ^ 
 
 Financial Success. 
 
 I have written this book for those who want to 
 build their Success and their Life work upon an 
 intelligent and Urm foundation — to encourage all 
 who read to realize that Success originates within. 
 I want YOU, my reader, to realize that YOU can 
 develop your own forces, powers and abilities to 
 that extent that you will become perfectly Self- 
 reliant and Fearless, and that in building upon the 
 firm and sure foundation of Knowledge and your 
 own abilities, your position will become practically 
 unassailable. 
 
 There are undreamed of Possibilities before you 
 as there are unknown possibilities within you. If 
 I shall have succeeded in arousing you to action and 
 to the fuller development of the forces, powers and 
 abilities which lie dormant within you I shall feel 
 more than repaid for my effort. 
 
 Accept my sincere wish for your achievement of 
 the highest degree of Success in your life — Success 
 means the Achievement or Realization of the Ideals 
 or Objects we have before us. 
 
 Santa Cruz, Calif., March ist, 1905. 
 
772^^ LAW OF FINANCIAL SUCCESS 
 
 The Key-Stone ^ ,, o , , o.. 
 
 Of A No matter wliatwG ;nay. be; doing, 
 
 Successful Life, what our plans^ ipay be,,n9r how 
 high our itspiratioiis, .there 4s,^n 
 ever-present consciousness of the need of one 
 tiling — Money, and there is perhaps no thot that 
 will so instantly awaken the interest and attention 
 of the average person, as that of ''Financial Suc- 
 cess!" 
 
 And this is not strange when we consider the fact 
 that Money is the ''key-stone' in the arch of every 
 successful life, no matter from what standpoint life 
 may be viewed, nor how much some may try to 
 disguise their real desires and need of Money to 
 carry out their life purposes. 
 
 We are living under man-made conditions, rather 
 than those of Nature, and these have rendered the 
 attainment of all we hope for and all we may pos- 
 sess in this world dependent upon just one thing — 
 money ! We may try to disguise the fact, but it re- 
 mains just the same — there it is, without money you 
 cannot have anything and you cannot do anything! 
 
 Freedom 
 
 Of the Primitive man knew no need of 
 
 Primitive Man. money. He had needs and de- 
 sires, as well as ambitions, but 
 what he possessed was entirely dependent upon his 
 own skill and efforts. He developed unlimited re- 
 sources in this direction and knew hozv to meet his 
 needs, and achieve his desires without being in any 
 way dependent upon others, and in many ways he 
 
The Law of 
 Financial Success, 
 
 enjoyed a freedom to which we, in our age of civ- 
 ilization,. are stranger?. 
 
 It is truie that by feasor of his condition and en- 
 vironment, his needs were few as compared with 
 those Which C!viU?!ation and education have fos- 
 tered and encouraged in civiHzed man, but at the 
 same time, the need of money was not felt by him, 
 nor did it in any way whatever affect his Hfe, as his 
 resources were wholly within himself, and he real- 
 ized this fact. 
 
 Our Present 
 
 Changed With us, all this is changed ! Our 
 
 Condition. . needs and desires are not only dif- 
 ferent and multiplied, but an ad- 
 ditional factor has put in an appearance. Money is 
 nozv the standard by z(Jhich everything material is 
 measured, and is THE one thing upon which we de- 
 pend for the very means of life, as well as for car- 
 rying out our plans and attaining the realization of 
 our ideals. 
 
 But, in the main, civilized man has forgotten the 
 one important factor which dominated the life of 
 the Primitive man — that everything depended upon 
 the use of his mental pozvers and his ozmi individual 
 efforts and that while not recognizing the fact him- 
 self, and without being able to analyze nor define 
 the. motive principle, he zvorked from zvithin, out — 
 in his acts he unconsciously expressed the fact that 
 everything first exists in the Ideal or Mental before 
 ti can be reduced to a material fact, and he first con- 
 ceived his Ideals, formulated his plans, and then 
 took Action. 
 
The Law of ^ 
 
 Financial Success, 
 
 Servitude 
 
 And Nbw, in order to obtain even the 
 
 Bondage^ actual necessities of life, the ma- 
 
 jority are compelled to be the 
 servants of others! This plain statement of fact 
 may offend the sensibilities of some who have not 
 yet recognized the tendencies of our times, but there 
 it is, and candor will compel the admission that we 
 cannot get around it. 
 
 The man who possesses capital is always the 
 dictator, and those who would sue for the privilege 
 of the means of maintaining, life must acquiesce to 
 his terms, the only difference between our present 
 condition of servitude and bondage, and that of the 
 black slaves, is that zve can now choose, in some 
 degree, whom we imll serve, while the blacks had no 
 choice, but the actual condition of bondage is pre- 
 cisely as real in one case as the other! There is in 
 reality, broadly speaking, two classes that compose 
 our world, those Who have an abundance of 
 money — the Capitalists — and those who have not — 
 the Employee. In other words, the master and the 
 servant. 
 
 A 
 
 Mistaken It is said that these two are mu- 
 
 Idea. tually dependent upon each other. 
 
 This is a mistaken idea as a prin- 
 ciple, for it is true only in a limited way. The Cap- 
 italist is dependent upon his Employees for the car- 
 rying on of his enterprises, as the Employee, no 
 matter whether he be a common laborer or a high 
 salaried clerk or official, is the actual producer, but 
 
The Law of ' lo 
 
 Financial Success. 
 
 the Capitalist can, at any time close his shops, cease 
 his reaching out, curtail his business ventures, and 
 still live the balance of his life in the same luxury,^ 
 ease and abundance, while those who have been his 
 dependents and servants are speedily reduced to ac- 
 tual want, if not starvation, unless they can find an- 
 other master. 
 
 Something 
 
 Radically That there is something radically 
 
 Wrong. wrong with an industrial and 
 
 economic system which encour- 
 ages such an abuse of power thru permitting the 
 accumulation of large wealth in the hands of the 
 few, and enforced limitations, poverty and distress 
 upon the many, and especially upon those who are 
 themselves the actual producers, is too apparent to 
 any thinking and unbiased person to even admit of 
 an argument, but as this statement of facts is only 
 incidental to the main purpose of this book, it is not 
 my purpose to discuss this great problem which is 
 confronting us with greater power every day, but 
 rather to point out some means of help and relief for 
 the individual, from existing oppressive conditions. 
 
 Education 
 
 Our The one hope for our future, 
 
 Hope. both individually and collectively, 
 
 lies in Education! It is Ignor- 
 ance (which has induced a condition of apathy, 
 from which the people are now beginning to 
 awaken), that has held the millions of our people 
 in a condition of Financial — and also Mental — sla- 
 
The Law of ^^ 
 
 Financial Success. 
 
 very and bondage, and it is only as they 
 shall thru Education emerge from under the 
 cloud of Ignorance, and of self-imposed limi- 
 tations, that there is hope for a betterment 
 in Financial conditions, for Liberty and Free- 
 dom from the galling yoke of an imposed 
 poverty, as well as of a higher Mental and 
 Spiritual development and a higher standard of liv- 
 ing, for the masses. Ignorance involves Self -limita- 
 tions, whereas Education and knowledge removes 
 these limitations, broadens the sphere of his activ- 
 ities, reveals hitherto unknown possibilities, and dis- 
 closes the abilities, forces and powers which are in- 
 herent in man. 
 
 Imposed 
 
 And Self- Without doubt, our present con- 
 
 Limitations, ditions of Servitude and want are, 
 to a great extent, due to the fact 
 that we have been educated to believe that our In- 
 dustrial and Economic systems are correct, and that 
 there is no way of escape from those conditions 
 which have curtailed our Financial, Social, Spirit- 
 ual and Mental development, and which has held 
 man down, and in thousands of instances prevented 
 him from obtaining even a livelihood. He feels the 
 fetters which bind him to servitude, poverty and 
 want, and prevent him from achieving his Ideals 
 and the development of his higher self, but he 
 could see no means of relief. 
 
 But the people are being enlightened thru educa- 
 tion. They are beginning to think for themselves 
 instead of allowing others to do their thinking for 
 
The Law of 
 Financial Success, 
 
 them, and as the Hght begins to dawn, they begin to 
 see that it is, under our present conditions, only 
 through the development and use of their own 
 powers that they can hope for that Freedom which 
 will place them in a position of Independence, give 
 them an adequate return for their time and abilities, 
 and establish conditions of Success, Health, Hap- 
 piness and spiritual growth. 
 
 Success 
 
 Dependent Now, under a close analysis, it will 
 
 Upon Law. be found that our present condi- 
 
 tions, both collectively and as In- 
 dividuals, are largely due to Self-imposed limitations 
 . and to Ignorance! Every man and woman have all 
 the potential elements of Success within them, tho 
 they are in ignorance of the fact because these forces 
 lie dormant or passive within, never having been 
 awakened. The average person does not know what 
 they are capable of, nor what they can accomplish, 
 and they never will know until they are awakened 
 from their mental slumber and Try! Potential 
 possibilities lie dormant within, while we complain 
 of ''hard-luck," ''Fate," (?) etc., when it is all our 
 own fault! 
 
 I have seen these latent forces aroused in others, 
 I have had them forced into action in my own life, 
 and / KNOW the force and truth of what I say 
 when I tell vou that you DON'T KNOW WHAT 
 YOU CAN DO, NOR WHAT YOU ARE CA- 
 PABLE OF, UNTIL YOU TRY! and it is my 
 purpose to try and awaken those who shall read 
 these pages to a vital realization of their own possi- 
 
The Law of ^3 
 
 Financial Success. 
 
 hilities, and of what they can accompUsh thru 
 KNOWING AND DOING! 
 
 God works thru Law, and I shall endeavor to 
 show that there are Laws constantly operative which 
 control, not only our "Financial Success'' but our 
 every Thof, Act and Deed! That this is true no 
 sane, thinking person will deny. As there are Laws 
 which control with infinite precision, the move- 
 ments of all the planets, as there are Laws which 
 determine the result of every demonstration in 
 Chemistry, as there are Laws which govern and 
 control the whole Physical organism of man to the 
 minutest detail, so there are Laws which govern 
 and determine the result of our every act — of the 
 success or failure of our every effort! 
 
 Everything 
 
 The Product For every Effect^ there is a 
 Of Lav7. Cause, and for every Cause an 
 
 Effect! Under the same condi- 
 tions, a given Cause will alw:ays produce the same 
 effect. This is what we call 'Xaw.'' If we could 
 make a close analysis of our lives, we would find 
 that in their detail and entirety, they are the result 
 or product of Law. This must be self-evident to 
 every thinking person for the reason that without a 
 ''Cause'' an ''Effect" is impossible, and it will also 
 be apparent that if we w^ould control the effect, we 
 must first put the right Cause into action. 
 
 We are so accustomed to accepting Thots, meth- 
 ods and conditions which have been handed down 
 from our ancestors, or which are the product of 
 social or economic evolution as the only right thing, 
 
The Law of ^4 
 
 Financial Success, 
 
 and binding upon us, and of attributing the various 
 things that come to us as "Chance'' or '"Happen," 
 that we cannot at first realize the immensity of the 
 fact that in our whole Life-expression, we are gov- 
 erned and controlled absolutely by Law! It stag- 
 gers us at first, and while we can discern the work- 
 ings of Laws in certain spheres, we are slow to 
 grasp the transcendent fact that in all that concerns 
 us, in aur Success or Failure, Plenty or Poverty, 
 Happiness or Unhappiness, and in Health or Dis- 
 ease, all, ALL is governed and determined by Lazv! 
 
 Comply 
 
 With the Those 'who open this book with 
 
 Conditions! expectation of finding a disserta- 
 
 I ^iKl ^^^^ o^ some way of obtaining 
 Money without well defined and concentrated Thot 
 and Effort upon their part will be disappointed. 
 God will not rain Money into your lap, neither can 
 you expect to get something for nothing! Just as 
 in the maintenance of Health, certain Laws and 
 conditions must be complied with, so, in the achieve- 
 ment of Financial Success there are Laws and con- 
 ditions which must be observed and brought into 
 play if we expect favorable results. 
 
 Money ^ff.ii'CF'' !;; .^ " 
 
 A You, my reader, have probably 
 
 Necessity. recognized the necessity for 
 
 Money in a certain way, but have 
 you considered that under our present economic 
 conditions, it is an absolute necessity in every phase 
 and condition of life? You cannot live without 
 
The Law of v.. ,.. -^5 
 
 Financial Success. 
 
 Money! You can put no plan nor scheme ixdo op- 
 eration without it J and it is THE one thing, mces- 
 sary at every turn. Money expresses Freedom and 
 Liberty! It also greatly encourages confidience in 
 your ability. Did you ever think to what . extent 
 your privileges J your advancement in any and all 
 ways, as well as your Success, are curtailed through 
 the lack of Money f Perhaps you complain of un- 
 desirable, inharmonious or fettering conditions and 
 environment. Do you realize to what extent money 
 would change these things, if you had it ? 
 
 Dollars Come 
 
 In Response We should not make Money our 
 To Law. god, but we should recognize it as 
 
 one of the essential elements of 
 Success in any and all of our undertakings in life ! 
 Some may try to disguise this Fact, but if they will 
 be honest with themselves, they will admit its truth. 
 Nothing can be done without Money, and one indi- 
 vidual has the same right to the dollars as the 
 other, in proportion to his abilities, and the reason 
 they don't have more of them is because they don't 
 understand the Laws of Financial Success, and 
 don't try and work intelligently, and in the right di- 
 rection! 
 
 All who have come into the possession of the 
 dollars have done so thru the operation of = these 
 Laws, tho they may have been working in entire 
 ignorance of their existence as Laws, or of the way 
 in which they operate. They have stumbled on to 
 certain Laws or Principles ignorantly, and have 
 used them, and if you, my reader, have not come 
 
The Law of *^ 
 
 Financial Success, 
 
 into possession of your portion of this world's 
 wealth, recognize the fact that it is because you have 
 not be^n working intelligently— hecdnxse you are yet 
 in bondage to old-time Thots and ideas, and are 
 reaping the results of the operation of these Laws 
 and Principles, but on the wrong side of the ledger, 
 for bear in mind, that as the same Vital Force which 
 builds up in the Physical is also the same force that 
 pulls down and destroys, so these same Laws and 
 Principles that operate for Financial Success, also 
 bring Poverty, defeat and want! 
 
 "Wishing" and 
 
 "Willing" — You cannot find a person in the or- 
 The Difference, dinary walks of life that does not 
 "wish" for money, but let me tell 
 you that ''Wishing'' and ''Willing'' are two totally 
 different things. The trouble with most people is 
 that they have their "wish-bone" where their "back- 
 bone" should be! There is a vast difference be- 
 tween the two ! The mere "wishing" will accomplish 
 but little, but the strong, determined "Will," fol- 
 lozved by right action at the right time, can accom- 
 plish wonders. 
 
 Those who are merely "Wishing" for better con- 
 ditions are also the ones who are generally be- 
 moaning their "fate," and instead of "getting a 
 move on themselves," are constantly lessening their 
 powers, as well as opportunities for Success, by the 
 continual adverse Suggestion which this attitude 
 of mind generates. It lessens their confidence in 
 their own abilities and increasingly fixes the Thot 
 in their minds that they cannot succeed. 
 
The Law of ^7 
 
 Pinancial Success, 
 
 Earnestness, 
 
 Enthusiasm Constant living in straightened 
 and Purpose ! circumstances, coupled with dis- 
 couragement from fruitless efforts 
 breed a sort of apathy and while the "Wish" for 
 money is present, the real "WilV is lacking. Before 
 one can resolutely "WilV to accomplish any pur- 
 pose, there must be a realization of a need and a 
 decided purpose that it shall be met. There must be 
 earnestness and enthusiasm, as well as Purposeful 
 effort, hence we must realize to what extent Money 
 plays The important part in our lives, and how 
 much we can accomplish, both for ourselves and 
 others, thru having our share of it. It broadens a 
 right-minded person and tends more toward un- 
 selfishness. 
 
 Money a We should regard Money as one of 
 
 Tool to the good things of life. I look 
 
 Work With. upon it as a prime necessity, with- 
 out which no one can achieve Success in any direc- 
 tion. We should accept it as a "Tool," and a very 
 necessary one, with which we may carve our Ideals 
 and Purposes into tangible shape! There are all 
 about us those who have much to give to the world, 
 had they the means needed to enable them to suc- 
 cessfully carry out their plans and purposes — those 
 who have been awakened to forceful, vigorous and 
 intelligent thinking, and there are thousands also 
 who are not yet awakened to the fact that there 
 exists within them all the potential elements of Suc- 
 cess and Achievement, tho unknown and unrecog- 
 nized by them. 
 
The Law of ^^ 
 
 Financial Success. 
 
 Talent and 
 
 Ability We know that an understanding 
 
 Liberated. and a practical application of the 
 
 Laws and Principles which govern 
 Success and all Life-Expression, would liberate 
 thousands who are now struggling and chafing 
 under the galling yoke of Poverty, and bring Cour- 
 age, Energy and Ambition to many a heart bowed 
 down thru Poverty's oppressive tyranny! We know 
 also that the acquisition of Money would liberate a 
 vast amount of Talent and Ability, thru permitting 
 their fuller expression, and we also know that it 
 would greatly facilitate a fuller and truer expression 
 of the higher and nobler faculties of the Soul, there- 
 fore we shall try to point the way to the achieve- 
 ment of Financial Success in language and illus- 
 trations that all can grasp and understand. 
 
 "Poverty!" 
 
 What And what is "Poverty?" It is that 
 
 Is It? condition which is anything short 
 
 of meeting the requirements for the 
 comforts of life! It is that condition which, by 
 reason of the lack of money, prevents one from 
 carrying out their purposes and Ideals, curtailing 
 their sphere of usefulness, and limiting the express- 
 ion of their individuality, and enforcing dependence! 
 There is an ever varying degree of Poverty — 
 some very well-dressed, which is difficult to pene- 
 trate, and some that is very apparent upon the sur- 
 face, but there are comparatively few who are not 
 worried and harrassed by the presentation of bills 
 which they cannot pay, by personal and family needs 
 
The Law of ^9 
 
 Financial Success, 
 
 which are often imperative, and in trying to make 
 one dollar do the work of two or three ! 
 
 Every one should have enough to meet current 
 expenses and provide the ordinary comforts of life 
 without a continual strain and worry and they 
 should have sufficient to work with successfully, for 
 Money attracts Money! Anything short of this / 
 call Poverty ! 
 
 Poverty Destructive While there are many who 
 To Higher have succeeded in amassing 
 
 Development. fortunes, the majority of the 
 
 people are struggling day after day under the ac- 
 cursed bondage and galling yoke of Financial dis- 
 tress and slavery! Thousands upon thousands are 
 barely eking out an existence, straining every nerve 
 to hide their Poverty and keep up appearances with 
 their neighbors. 
 
 That this unceasing struggle with the demon 
 Poverty is destructive to the highest attainment of 
 true Soul development and happiness, in a varying 
 degree, is a fact too apparent to require argument, 
 for with pressing needs, unpaid bills and a constant 
 struggle to make every dime do the work of two or 
 three, it is indeed a strong and well poised mind that 
 can preserve that calm, placid and harmonious con- 
 dition within which will foster love, happiness, and 
 the higher development of the real self! 
 
 Passive 
 
 Forces and And what does all this mean? It 
 
 Powers. means that the masses of the peo- 
 
 ple have not awakened to a reali- 
 zation of the fact that zvithin each and every indi- 
 
The Law of ^ 
 
 Financial Success. 
 
 vidual there exists all the elements of Success! It 
 means that they have not come into a conscious and 
 vital realization of the Forces, Powers and Abilities 
 which are lying passive within them! It means that 
 they have not yet learned that their position in life, 
 their Success or Failure, their Happiness or Un- 
 happiness is all determined by the operation of cer- 
 tain Laws, and it also indicates a self-evident fact 
 that they are not using nor cultivating the Powers, 
 Gifts and Abilities with which God has endozved 
 them, in an intelligent manner! 
 
 This is a vital point! We have within us all the 
 elements and materials of Success, but instead of 
 making that intelligent use of them which God in- 
 tended we should, we are moping along, almost in 
 the dark, following the time-worn and deepiy-rutted 
 paths of our ancestors, of usage and custom, allow- 
 ing our powers and abilities to lie dormant, until 
 thru disuse, we are almost persuaded that we are 
 destitute of such! 
 
 Intelligent 
 
 Effort a Now don't get the idea that "some- 
 
 Necessity! how" things are going to ''hap- 
 
 pen," and that Money is going to 
 come to you without intelligent, forceful Thot and 
 effort on your part, for it will not! Effort you must 
 make, and that in the right direction and with some 
 degree of understanding of the Laws of Success, 
 and you cannot expect ''something for nothing!'' I 
 know there are many who will say that they have 
 worked and thot and tried, and can see no results, 
 but the fact that they have not achieved Success is 
 
Thi^ Law of , ki J ^^ 
 
 Financial Success, 
 
 self-evident proof that their working and trying and 
 thinking has lacked the essential elements of Suc- 
 cess, else they would have brot them far different 
 results. 
 
 If Money is going to come to you, intelligent and 
 well directed effort you must make, but don't allow 
 your energies to run wild and don't fly around like 
 a chicken with its head cut off in an excitable effort 
 to "make things hum!" Be deliberate! Think and 
 plan with calmness and deliberation, looking at your 
 proposition on all sides from a practical point of 
 view, and when you have fixed your course, settle 
 down to business with your eye continually upon the 
 mark. As with the oarsman, it is the long, strong 
 and steady pull that counts, so with you it will be 
 the calm, deliberate and persistent effort that will 
 win — that will bring you results, if you are working 
 practically and intelligently. 
 
 Thinking 
 
 And In the accomplishment of any pur- 
 
 Doing, pose, a definite object, a belief in 
 
 your own ability to carry it to a 
 successful issue, undaunted courage and a strong, 
 determined Will are essential. It is the man of DB- 
 TBRMINATION AND ACTION that reaches the 
 goal! While others are Wishing and thinking, he 
 is Thinking and Doing — he is putting his plans and 
 schemes into operation with the courage of his con- 
 victions ! 
 
 Mark the man with strong determination and per- 
 sistency and you will find him achieving Success 
 where others fail! With him^ there is no hesitancy 
 
The Lam of " 
 
 Pinancial Success. 
 
 nor faltering, nothing can discourage him, but keep- 
 ing his eye fixed on the mark he has set, he pulls 
 straight for it with that Will and Determination that 
 knows.no such thing as fail! He understands the 
 Laws of Success, he applies them and reaps his re- 
 ward! ..\ 
 
 Law 
 
 Operative in As we have seen, and as we know, 
 Every Sphere, if we are observing, Law is oper- 
 ative in every sphere of life — in 
 the mineral, vegetable and animal kingdoms, in the 
 physical organism of man, in the whole universe' of 
 God, and those who have investigated along Psycho- 
 logical' lines will also recognize the inexorable oper- 
 ations of Law in the Mental or Thot realm. 
 
 This being true, should it be thot strange that 
 there must be Laws governing the attainments of 
 Financial Success, and thru this, the realization of 
 our desires and ideals? Would it not indeed be 
 strange if this alone of all other spheres of activity 
 were destitute of definite working Laws and Prin- 
 ciples ? Were there no other facts to support it, we 
 would have the right to conclude from the evidence 
 at hand which demonstrates the operation of Laws in 
 every sphere, that the same is true as applied to Fi- 
 nancial Success. 
 
 Each Must 
 
 Do and Act And this we shall find to be true. 
 For Himself. In the creation of the worlds, God 
 also created Laws which were to 
 govern in all things, and it is our failure to recog- 
 nize this fundamental fact, and consequently our 
 
The Law of ^^ 
 
 Financial Success, ' 
 
 ignorance of it, that has brought so much failure 
 and distress upon ourselves. But we now have to 
 meet conditions as we find them. Collective action 
 is impossible at the present time, even though the 
 glaring deficiencies in our economic system are be- 
 ginning to be more fully realized, and the impor- 
 tant thing now is individual actioti. Bach must act 
 and do for himself — each must carve out his own 
 fortunes, and it will readily be apparent to all that 
 the greater intelligence of these Laws possessed by 
 the individual, the greater the degree of his suc- 
 cess. 
 
 There is but one road to Financial Success for the 
 average individual, and that is throusfh a knowledge 
 and understanding of Life's Great Laws as they are 
 related to the achievement of Success, and patient, 
 persistent effort! Those who sit down and expect 
 something to "turn up" will be disappointed, while 
 those who bestir themselves, and zvork and do, 
 guided in their efforts by these Lazvs, will find their 
 efforts ultimately crowned with Success even beyond 
 their expectations. 
 
 Life Largely 
 
 A Mathematical Tf we were possessed of an infi- 
 Proposition! nite knowledge of all Law, Life, 
 
 and the effect of every act could 
 be reduced to a strict mathematical proposition, and 
 we could unerringly put certain causes into oper- 
 ation which would produce certain effects — knowing 
 the effect of each cause, we could definitely calcu- 
 late on the proper mode of procedure to produce 
 the effect which would bring about the results de- 
 sired. 
 
The Law of ^ 
 
 Financial Success, 
 
 But while we have not this infinite knowledge of 
 all law, there are certain fundamental Laws and 
 Principles which govern the achievement of Suc- 
 cess that we can use, and the whole question of Suc- 
 cess or Failure hinges upon their being brought into 
 action, whether this be done through intelligence 
 and purpose or through ignorantly stumbling into 
 them. Intelligent knowledge and application of 
 these Laws and Principles will manifestly produce 
 the best results and they cannot be intelligently ap- 
 plied to our life work without bringing us results. 
 
 Laws and 
 
 Principles What I shall designate as the "Law 
 
 Stated. of Financial Success,'' involves sev-^ 
 
 eral Laws and principles, which, 
 in their operation, correlate each other. We must 
 remember that ^'Harmony" is one of the great and 
 fundamental laws of nature, and we shall find that 
 these Laws and Principles which we shall consider, 
 are not only intimately correlated to each other, but 
 that they all operate in perfect harmony, one with 
 the other. These we may formulate as follows: — 
 
 The Law of Cause and Effect. 
 The Law of Action and Reaction. 
 The Law of Attraction. 
 Definiteness and fixedness of Purpose. 
 Will and Determination. 
 Confidence and belief in one's Ability. 
 Expectancy and Persistency. 
 Our Mental Attitude. 
 
The Law of ^ 
 
 Pinmxcial Success, 
 
 The Law 
 
 Of Cause This is one of the primary and 
 
 And Effect. fundamental Laws of Nature, and 
 is of the greatest importance in the 
 achievement of Success. A Cause MUST exist for 
 every Effect! This is apparent to all. If Money 
 comes to you, it is in obedience to this Law^ — there 
 is first a cause for it! To know how to set the righ^ 
 ccmse into operation which will produce the result 
 you want, is THE great secret of Success! Mark 
 it well — an effect cannot he produced without its 
 correlative cause! 
 
 Action 
 
 And ^here is another Law which closely 
 
 Reaction. correlates our first and third Law, 
 
 and that is that ''Action and Re- 
 action are equal, and opposites," This may also be 
 termed the "Law of Compensation." For every 
 Action, there is its corresponding Reaction ! To take 
 a physical illustration : The effect of a stimulant is 
 exhilarating, while its reaction is a condition of de- 
 pression. For a short time you may experience ex- 
 alted animation, pleasure or joy, but you cannot 
 maintain that condition ! There is a corresponding 
 Reaction. For every Action, there MUST be its Re- 
 action, and that "Reaction,'' is the opposite of the 
 "Action.'' You Give and you Receive, and to Re- 
 ceive, you MUST give ! DO and it shall be DONE 
 unto you. 
 
The Law of ^ 
 
 Financial Success. 
 
 An 
 
 Exchange of The Law of Cause and Effect says 
 Values. that to receive, you must give 
 
 SOMETHING! You cannot ex- 
 pect ''something for nothing/' There must be an 
 exchange, which may mean your time, your talents 
 and abiHties, or merchandise of some description, 
 but give you must if you expect to receive. And 
 this having "value received" to give, is one of the 
 •first primary causes, and the more and the better 
 you have to give, the more you may expect to re- 
 ceive. YoH MUST have something to give, that 
 some other person or persons want, if you expect to 
 attract their money to yourself I 
 
 There Must 
 
 Be "Action and Reaction'' being equal. 
 
 Action! and "opposites,'' there must be in- 
 
 telligent ''Action'' upon your part 
 to produce a relative and right "Reaction" and that 
 "Action" must be suited to the occasion. It must be 
 Intelligent Action, such as will "open the way" for 
 what you want to come to you. If it is a position 
 you want, you take the necessary "Action," and your 
 getting a position will be its relative "Reaction." 
 This does not mean that you will always get what 
 you want just where you look for it. You may have 
 to turn up a good many stones before you will find 
 the one with the gold dollars under it, but continued 
 "Action," if made intelligently and in the right di- 
 rection, will secure its correlative "Reaction." This 
 is a Law. The "Reaction" may not come just at the 
 time nor in the way we are expecting it, but come 
 it must in some way or other. 
 
The Law of .27 
 
 Financial Success, 
 
 The Law 
 
 Of In the Law of Attraction, we find 
 
 Attraction. that which attracts its kind, or that 
 
 which is in harmony with the initial 
 Cause, for ''Like attracts Like,'' while in the Law 
 of "Action and Reaction," or of "Compensation," 
 We find that we get as we give. Some will dispute 
 and question the existence of these two Laws, claim- 
 ing that their experience does not prove them, but 
 this is due to a mistaken conception of the workings 
 of Law, and a lack of intelligent effort on their part. 
 
 It must be remembered that the workings of these 
 Laws are a fixed principle, and are general, as well 
 as particular, hence it is not implied that we shall 
 always attract from the precise source we expect, 
 neither will we always receive from the source 
 which we have given, but ''Like'' does attract "Like" 
 the world over, and it is equally true that in some 
 way or other, at some time, and from some source, 
 we DO receive as we give. Law is always positive, 
 tho we must not lose sight of the fact that at all 
 times there are conditions, forces and Laws which 
 may oppose or neutralize the effects or operation 
 of other Laws, and it is important to recognize them 
 that we may be better able to guard against oppo- 
 sition. 
 
 Opposing and neutralizing Laws and Forces we 
 shall find in every sphere, and one great secret of 
 Success lies in our ability to recognize them and 
 counteract their influence. Volumes might be writ- 
 ten explaining and illustrating the action of both 
 Natural and Spiritual Laws, but while this is a very 
 important point, and one of the chief factors in our 
 
The Law of ^ 
 
 Finnncial Success. 
 
 lives, to enter upon it here more fully would carry 
 me too far from the purpose of this book, hence I 
 leave the reader to think and observe and learn from 
 experience. 
 
 Definiteness a man without a definite and fixed 
 And Fixedness purpose before him is like a ship 
 Of Purpose. at sea without a rudder. He is con- 
 stantly changing his course with each variation of 
 the winds, and if he reaches *Tort,'' it will be more 
 thru accident than design. This is one of the most 
 important factors in the achievement of Success. 
 Without a definite and fixed purpose in life — and 
 that a practical one — no one can hope to succeed. A 
 definite purpose not only centralises and concen- 
 trates your efforts, but it stands out boldly as a goal 
 for which you are working, and affords a constant 
 stimulant and incentive to activity. Concentration 
 is a most necessary thing, otherwise the result is 
 scattered, and consequently ineffective, Thot and 
 Action. 
 
 Will and In "Wiir and ''Determination/' we 
 
 Determination, have a "motor-force" of great 
 power and value in attaining Suc- 
 cess. The results, or achievements of an indom- 
 itable Will and Determination are ofttimes little 
 short of the miraculous, for these two elements have 
 enabled man to far exceed what he had thot pos- 
 sible for him. With a right abject before you, one 
 which is within the range of your ability, reinforced 
 by a strong will and persistent Determination, Ob- 
 stacles that are apparently insurmountable can be 
 overcome, and Success Achieved. 
 
p 
 
 The Law of ^ 
 
 Financial Success, 
 
 And following this is our next principle — Confi- 
 dence and Belief in your own ability. Before you 
 ean aecomplish anything, you must Hrst believe in 
 yourself and in your own ability! To be able to 
 exercise that strong 'Wiir and ''Determination" 
 which is a sure precursor of Success, there must be 
 a. belief in your own ability and confidence in the 
 practicability of what you have undertaken. Dis- 
 trust of Self and a questioning of your ability breeds 
 failure and disaster. 
 
 Expectancy 
 
 And Expectancy and Persistency are 
 
 Persistency. closely allied to our fifth Principle — 
 Will and Determination, but it also 
 involves the Fixed Mental Attitude, without which 
 no one can hope to succeed. Expectancy — real ex- 
 pectancy, indicates a belief in your ability to ac- 
 complish what you have undertaken, and this en- 
 courages ''persistency/' Never lose sight of the 
 fact that time is often required in which to ma- 
 terialize your purposes and Ideals, and that persist- 
 ent effort must be made, even thru seeming failure, 
 assuming that your plans and purposes are practical 
 and based upon good, sound judgment. Expect 
 Success and persist in what you undertake, and you 
 will find that which you are working for gravitating 
 towards you. 
 
 Some 
 
 General Having postulated some of the 
 
 Principles. Laws and Principles which are in- 
 
 volved in the achievement of Suc- 
 cess, we will consider some more general, but at the 
 
The Law of 3° 
 
 Financial Success, 
 
 same time equally important Principles. We want 
 a ^'starting point T' We want to work with the 
 highest possible degree of understanding and in- 
 telligence — we want to know what we are doing, and 
 how we are to do it ! 
 
 • " You want Financial Success — you want Money, 
 because it is an absolute necessity to you in every 
 way. You want it because it is right that you should 
 have it, and because you have an equivalent to give 
 for it ! I care not how good a man may be, nor how 
 much talent or ability he may possess, without 
 Money he will not amount to much for the reason 
 that it takes money to live and to afford an outlet 
 for his talents and abilities. You recognize this fact, 
 and you want Money ! Very well, how are you going 
 to get it? 
 
 These 
 
 Laws The first step is to formulate some 
 
 Applied. deilnitey practical course of action 
 
 — some definite purpose or object, 
 bearing in mind that you cannot get ''something for 
 nothing," and that if Money is going to come to you, 
 there must be a reason for it — you must have an 
 equivalent to give! What can you do? What do you 
 want to do? What will harmonize most thoroly 
 with your tastes and desires f 
 
 Thousands upon thousands are making the fatal 
 mistake of their lives by choosing or remaining in 
 an occupation for which they are to a greater or less 
 extent unfitted by inherent tastes, desires and abili- 
 ties, and they are working day after day "out of 
 line," under unfavorable and inharmonious con- 
 
The Law of 3x 
 
 Financial Success. 
 
 ditions and environments, fearful to venture out in 
 that which appeals most strongly to them, and which 
 is most in harmony with their desires and abilities. 
 
 This is a serious mistake! There is some one 
 thing that you can do better than you can do any- 
 thing else, and there is some one thing that you can 
 do better than any one else!! What is iTf That 
 is the important question to YOU! If you have not 
 yet discovered it, make the effort at once, and when 
 you find it, lose no time in getting in line with the 
 demands of your inner-self, concentrate your whole 
 efforts, thots and desires in that one direction and 
 mark the changes that will come into your life ! 
 
 We Cannot 
 
 Control There is another element which 
 
 Details. must be taken into consideration, 
 
 and that is, we cannot always fix 
 or control details ! Get this point well fixed in your 
 mind, otherwise you will be liable to be thrown off 
 the track. You may think failure and disaster are 
 following you, when in reality you are traveling 
 faster and faster towards your ultimate object! 
 There may be certain conditions and environments 
 which you greatly desire, and for which you are 
 working. You may see also in them a means of se- 
 curing a permanent income sufficient to maintain 
 you, but you cannot transpose yourself from your 
 present, into your desired condition at once — they 
 seem outside of your present sphere of activity. 
 
 This is likely to be the way in all great and ulti- 
 mate purposes in life, and you will find that to 
 ''arrive at your destination" you may have to travel 
 
The Law of 32 
 
 Financial Success, 
 
 by different roads. Keep your eye fixed upon your 
 mark, but at the same time, apply yourself with 
 energy and enthusiasm to any and all means which 
 are available that will assist you in ultimately at- 
 taining your object, all the while working out details 
 as conditions seem to indicate. 
 
 You will find that you CAN^ reach your desti- 
 nation, but you may also find that you cannot deter- 
 mine just the '' route'' you will have to take in doing 
 so — in other words, you can formulate your plans, 
 fix your ultimate purposes, but you cannot foresee 
 nor control details, therefore be ever on the alert to 
 avail yourself of any and all just means that will 
 facilitate your achievement of Success. 
 
 Like 
 
 Attracts And here the Law of Attraction 
 
 Like. comes in. Like attracts its like and 
 
 kindj and your prevailing mental 
 attitude will be a most potent factor in determining 
 the character of what shall come to you. As you 
 hold firmly to your ultimate object, you will con- 
 sciously or unconsciously attract such things to you 
 as will contribute to your Success. The more you 
 concentrate upon the real object you have before 
 you, the more will you attract such things and con- 
 ditions as will contribute toward that end. You will 
 attract opportunities, conditions and environment 
 that will aid you. We shall have more to say re- 
 garding the Mental attitude and Mental Forces 
 later on. 
 
The Law of 33 
 
 Financial Success. 
 
 Open 
 
 The Having formed and Hxed your 
 
 Way!! purposes, Ideals and Objects, you 
 
 want the means to carry them out. 
 You need Money. How can you get it ? The next 
 thing to do is to ''OPEN THE WAYT Remember 
 if Money comes to you, there is a ''Cause" for its 
 doing so! YOU must put that ''Cause" into opera- 
 tion, and you do that by "OPENING THE WAY!" 
 This is one of the iirst things to be done, for unless 
 the way is opened — properly and practically opened, 
 Moni:y cannot come: to you.' 
 
 The 
 
 Water- Suppose, as an illustration, you 
 
 Ditch. have a tract of land a mile from a 
 
 river which contains an abund- 
 ance of water, and you want to irrigate this land. 
 You have the land, but you want the water. The 
 river is full of it, but how are you going to get it 
 on your land ? The Law of "Cause and Effect," as 
 well as common sense, sdiys"open the way" and the 
 water will flow to your land! Yes, you cut your 
 ditch on a water level, and the water flows freely. 
 The amount you get depends entirely upon the 
 capacity of your ditch, for the supply is abundant. 
 But you encounter hills and valleys, depressions and 
 elevations which would prevent the flow of water, or 
 divert it from your course. Then, you either cut 
 your ditch around the hills, or dig down to the 
 water level, you construct a flume across the low 
 places and gulches, and from the river to your land, 
 you "open the way" for the water to How, 
 
The Law of 34 
 
 Financial Success,^ 
 
 Money 
 
 Supply Is There was plenty of water in the 
 
 All Right ! river, but that did your land no 
 
 good until you had ''opened the 
 way'' so it could reach YOU! It was yours if you 
 could get it, but YOU had to *'open the way" — ^You 
 had to bring ''Cause'' into action ! So there is plenty 
 of Money in the world to-day, but it can't reach 
 YOU until YOU "open the way" for it to come to 
 you! This is a Law which cannot be ignored if we 
 expect to achieve Success! You must "Open the 
 Way/' put "Cause" into operation, and have "Value 
 Received" to give. Remember this ! 
 
 Success 
 
 Originates Everything first originates in the 
 
 Within! Ideal or Mental before it can be 
 
 externalised, or reduced to a ma- 
 terial fact, hence the seeds of Success are first sown 
 in the Ideal or Mind and are then worked out in the 
 material. And, in the degree in which your Ideals 
 and Mental images are practicable and within the 
 range of your ability, will your Success be great or 
 small ! 
 
 Don't forget this one fact — let it be indelibly mir- 
 rored upon your mind — Success originates from 
 within, and its Achievement is thru working from 
 within, Out! It is your Mind, your BRAINS that 
 you must depend upon! This is your starting point! 
 Think, plan and formidate your plans on a sound, 
 practical basis, snoh as your good judgment tells you 
 that you can carry out to a successful issue, 
 then — ACT!! Put them into operation with the full 
 expectation of Success! 
 
The Law of 35 
 
 Financial Success, 
 
 Common- Sense 
 
 And Intelligence Now, in opening the ditch from 
 Necessary. the river to your land, you worked 
 
 it on a grade that would permit 
 the free flow of water, which will ALWAYS seek 
 its own level. Your plan for conveying the water 
 to your premises was practical and feasible, but sup- 
 pose you had cut your ditch about the level that you 
 thot would be right without testing it, and found 
 that when you tried to turn the water in that it 
 would not flozv up grade! What then? What 
 would YOU do? Would good judgment say to give 
 it up and abandon it, or to go over it again and cut 
 the p'''?^er grade f Would you abandon your project 
 because of failure the first time? Nlot at all! And 
 yet, thousands fail in just this way Their plans 
 are practical and feasible, but they are not thoro in 
 ''opening the way — they do not use good, sound 
 common-sense! They have plans and schemes that 
 are practical if properly handled and executed, but 
 they are afraid to venture, or they don't succeed in 
 getting all the details right the first time, their 
 courage fails, and the project is abandoned ! 
 
 In '^opening the way'' for Money to come to you, 
 you are putting ''Cause'' into operation, and 
 the "Bifect" will correspond with the cause. If the 
 "Cause" is practical and capable of being developed 
 on a large scale, your Success will be manifested by 
 a corresponding "Bifect." This is an important 
 point and should be well considered, as everything 
 depends upon the practicability and feasibleness of 
 the "Cause" which you put into action, hence you 
 should not get "rattled,'' jump to hasty conclusions, 
 
The Law of ^ 
 
 Financial Success, 
 
 nor act without carefully considering your project 
 in all its bearings — in other words, "he sure you are 
 right, then go ahead!" 
 
 There 
 
 Must Be We are constantly observing 
 
 Merit. worthless schemes put into oper- 
 
 ation with apparent success, but 
 this only emphasizes the potency of Mental activ- 
 ity, Will-Power and Determination, It may seem 
 that real worth and merit does not always succeed, 
 but a close analysis will show that this is in the main 
 due to a lack of necessary conditions, or improper 
 methods of handling the project. To succeed per- 
 manently, there must be Merit and Worth in your 
 undertaking, and having this element, it is easy to 
 put energy, enthusiasm and Determination into the 
 work of prosecuting it to a successful issue. 
 
 If you are an honest person, you cannot throw 
 your whole energy and zeal into working any 
 scheme or proposition unless you fully believe in it 
 yourself. Knowing the Merit and Worth of what 
 you are undertaking, you naturally impress those 
 you meet with your own confidence and belief, 
 whereas if you know you are working a proposition 
 that will not bear investigation and deceiving the 
 people, you lack that courage and enthusiasm which 
 would otherwise characterize your work, and you 
 cannot make the same mental impressions as when 
 you know you have just what you present. Let it 
 be understood that this book is written to help those 
 who want to make Money honestly and by honest 
 means. Stock gambling and ''get-rich-quick" 
 
The Law of 37 
 
 Financial Success. 
 
 schemes are not considered — only the just and le- 
 gitimate results that will accrue from the proper 
 exercise of the talents, abilities and energy which 
 you possess! 
 
 "They 
 
 Need Now, if you are offering, your 
 
 Me." time and abilities for sale to an- 
 
 other — if you are approaching a 
 person for the purpose of getting employment, get 
 it well fixed in your mind that he, or they, NEED 
 YOU J and what YOU have to give! Don't go with 
 the thot that you need them nor their money, tho 
 this is the usual order, but convince yourself — cul- 
 tivate the feeling, that they need you and what you 
 have to give, maintain your self-respect and a rea- 
 sonable amount of dignity, and have the fullest con- 
 adence in your ability, without being egotistical, or 
 appearing unduly self-important 
 
 When talking business with a person, alzvays look 
 him straight in the eye, and if you are self-possessed, 
 conscious of your own abilities and are holding to 
 the thot that they need your services, your oppor- 
 tunity for making the most favorable impression, as 
 well as of impressing your own thots and feelings 
 upon his mind, are most favorable. 
 
 Failure May But if you fail in getting the po- 
 
 Mean Something sition you are after, remember 
 there may be counteracting influ- 
 ences at work which may preclude the possibility of 
 your getting it, or which may only defer it. In 
 either case there should be no feeling of discour- 
 
The Law of 38 
 
 Financial Success. 
 
 agemertt, but father din increased determination to 
 make your point, somewhere y with some one! There 
 may really be no vacancy, and business may not 
 justify additional force, hence in case of failure to 
 secure employment in one place, recognize the ex- 
 istence of these counteracting factors, and keep on 
 trying until you succeed. 
 
 Remember the Law of Attraction, and realize the 
 fact that your very failure in one place may he the 
 means of leading you to something better! This is 
 very often the case. Recognize the operation of the 
 potential forces zvithin, and of the higher, Spiritual 
 Laws and Forces, and no matter what comes, expect 
 good out of it! In my own experience I have had 
 seeming disaster and defeat turned into positive 
 good, and we make a mistake when we judge the 
 real results of what comes to us by what is apparent 
 only at the time. Sometimes we get so thoroly 
 rutted and grooved that nothing short of a general 
 upheaval will serve to get us in the right line, 
 therefor look upon all that comes to you as GOOD, 
 and expect to see and get good out of it! 
 
 You Can Do 
 
 What You Really If you do not wish to be the 
 "Wiir* to Do ! servant of others, there are a 
 hundred ways that you can 
 make Money, if you will get your BRAINS to 
 work ! ! Let me emphasize the transcendent fact as 
 fully as possible, that EVERYTHING FIRST 
 ORIGINATES IN THE IDEAL OR MENTAL 
 BEFORE IT CAN BE REDUCED TO THE 
 MATERIAL, OR TO AN ACTUAL FACT! Let 
 
The Law of 59 
 
 Financial Success. 
 
 me impress it upon your mind in letters of gold, 
 that Success originates from within, and also that 
 you CAN DO WHAT YOU REALLY WILL 
 TO DO! 
 
 Think, Plan and Act!! Formulate some plan of 
 Action that will bring you good financial returns, 
 bearing in mind that to get, you must always have 
 something to give — yon must put "Cause" into op- 
 eration, and you must "Open the Way!'* 
 
 There Are 
 
 A Hundred When you have formulated a 
 Ways. Practical plan of Action, when 
 
 you have pnt^Cause'' into opera- 
 tion, and have "Opened the Way,'' then is the time 
 for aggressive and effective action! Then is the time 
 to bring your"Will Power" and "Determination" — 
 and your Thot-Porce — to bear upon your plans ! Go 
 forward Expecting favorable results, and with the 
 utmost confidence in your own ability to carry your 
 plans to a successful issue, and if the degree of Suc- 
 cess you wiant does not come at once, study to ascer- 
 tain the cause, and when found, remove it. 
 
 It is impossible to go into details that will fit every 
 case, but there are Hundreds of ways whereby YO U 
 can do SOMETHING, which, thru your own efforts 
 and abilities, physical or Mental or both, will bring 
 you Success in liberal Financial returns, and place 
 you on more of an independent footing — your own 
 master, serving yourself. It is for you to think them 
 out for yourself, but always remember that should 
 you not achieve that degree of Success at which you 
 are aiming at first, you are gaining experience which 
 
The Law of 4o 
 
 Financial Success, 
 
 will contribute vastly to your future Success. Bear 
 in mind also that you may have to work yourself 
 up by degrees, and that may take time, but persist- 
 ent effort and the intelligent application of the Laws 
 laid down will bring you your reward. 
 
 Savings Bank 
 
 Investments Money makes Money. One Dol- 
 
 Don't Pay. lar brings another when wisely in- 
 
 vested. No person ever became 
 rich by hard work alone nor by investing their money 
 in Savings Banks. Few people realize that those 
 conducting Savings Banks are not held responsible 
 for bad investments or failure, provided they have 
 violated no law. They take your hard-earned and 
 hard-saved money and use it. You furnish capital 
 ioi them to do business with. If they make money, 
 it is theirs, except a pigmy of interest.. If they fail, 
 you lose your investment — rather a one-sided prop- 
 osition. 
 
 The Best 
 
 Part of Your Your inherent powers, your Brain 
 Capital. and your health are the best part 
 
 of your capital, and if necessary, 
 you can start with these. If you can add a few dol- 
 lars to them, all the better. Now, invest your com- 
 bined capital in a way that it will increase. Make 
 your Dollar bring back another. Make one Idea 
 involve another. Take the ideas of others, enlarge 
 and improve upon them. In the "Law of Financial 
 Success," the Ideas and Dollars go together, but the 
 Idea is more than the Dollar. 
 
The Law of ^^ 
 
 Financial Success, 
 
 Invest 
 
 Your Own Your Success will depend upon the 
 Capital. nature of your investments. In- 
 
 ventory your Capital, invest it 
 (your Ideas and Dollars) where it will bring back 
 an increase. Get your Capital working for you — 
 make one Dollar earn another and another and 
 ANOTHER ! It's the earning power of your Cap- 
 ital that will bring wealth. As you get more Dollars, 
 put them at work for you and keep on doing this 
 until you have moved from Poverty-town. 
 
 Don't despise a small beginning. The founda- 
 tions for large fortunes have been laid in this way. 
 Start at something with what you have, judiciously 
 invest and re-invest your capital, and keep it work- 
 ing for you — keep opening the way for more to come 
 to you. Commence and DO and you will soon be- 
 gin to realize the wonderful power of the Law of 
 Attraction. One thot and Idea leads to another. 
 Take the step for which you have light now, and 
 when ready for the next step, light will be given 
 you. Don't be too anxious to take two steps at a 
 time. Be content to go a little slower, but very much 
 surer. 
 
 Always 
 
 Do Your The means you may have to use to 
 
 Best. attain your ultimate object may be 
 
 your present position, if you are 
 already employed, and should you have a position in 
 a calling that accords with your tastes and desires, 
 the thing for you to do is to make yourself of such 
 value to your employers by strict attention to, and 
 
The Law of 42 
 
 Financial Success. 
 
 interest in their business as will compel them to ac- 
 knowledge the value of your services. There are 
 millions of employees all over the country who 
 merely work for their weekly salary, taking no in- 
 terest in their business outside of the pay they gct^ 
 but there are comparatively few who take that lively 
 interest in their employer's affairs and in their busi- 
 ness that commands recognition from them in the 
 way of promotion and increase in salary. These are 
 the men who are sought after and whose services 
 are retained zvhen business depressions occur. This 
 is putting ''Cause'' into effect — this is the ''Action'' 
 which must sooner or later produce the "Reaction," 
 
 Find the 
 
 Thing You As I have said, there is some one 
 Can Surely Do thing that you can do better than 
 anything else, and some one thing 
 that you can do better than any one else! Now, the 
 thing for you to do is to find the thing you can 
 surely do — find the thing you can do best, and then 
 DO IT! Don't take others too much into your con- 
 fidence! Figure things out yourself and don't talk 
 to others about your plans except when you see 
 there is a point to be gained by it. Be self-reliant, 
 learn to trust your own judgment, and when you un- 
 dertake anything based upon your own judgment 
 and not the advice of others, you have a good foun- 
 dation to begin with. You can do your own things 
 in your own zvay, but don't attempt to do them in 
 the ways of others. Believe in yourself and trust in 
 vour own abilities. 
 
The Law of 43 
 
 Financial Success. 
 
 I tell you YOU DON^T KNOW WHAT YOU 
 CAN DO UNTIL YOU TRY, AND IF YOU 
 WILL TRY, YOUR DOING WILL EXCEED 
 ANYTHING YOU HAVE HERETOFORE 
 KNOWN!! Remember, YOU have all the ele- 
 ments of Success — your own Success — within you! 
 Success is within, and YOU POSITIVELY CAN 
 DO WHAT YOU WILL TO DO! You can do 
 what you really "Wiir' to do because you cannot 
 'Wiir to do that which is impossible to you. 
 
 Formulate 
 
 Your Plans — Remember, the real, sincere desire 
 Then Act! to do a thing predicates also the 
 
 ability to perform, for it the abil- 
 ity to DO were not present, the desire would not 
 exist. Take the time to calmly, earnestly, and with 
 a candid, unbiased mind canvass your situation, 
 measure and weigh your abilities, ascertain your 
 natural tastes and desires, and then deliberately for- 
 mulate some plan of action that will be practical, 
 and which you can surely do, and put it into op- 
 eration. 
 
 This means -finding the thing you can surely do, 
 and then doing just that thing zvith all your powers 
 enlisted. When you do settle the question as to 
 what you will do, pay strict attention to "Opening 
 the Way'' — many ways if possible, for returns to 
 come, applying the Laws and Principles which we 
 have enumerated. 
 
The Law of 44 
 
 Financial Success, 
 
 You Can't 
 
 Get And don't forget that "Fear^' and 
 
 Cornered! *' Doubt" are your two worst ene- 
 
 mies! They do hut prefigure de- 
 feat, for as Job said, ''The things which I have 
 feared have come upon me! Don't doubt nor ques- 
 tion your ability, and DON'T FEAR ANYTHING! 
 Always maintain a Fearless attitude of mind, and 
 no matter what comes, remember there is some way 
 out of it! You can't get cornered up so closely that 
 you cannot extricate yourself if you will use your 
 brains! — that is what they were given you for!! 
 Stick to your purpose, unless you find it is imprac- 
 tical, with all the determination and persistency you 
 are capable of, and in the face of apparent defeat 
 show that undaunted Courage and Fearlessness 
 which can turn defeat into Victory! 
 
 Get Away 
 
 From The majority of people are lack- 
 
 Self -Limitations ! ing in Self-esteem and Self- 
 reliance. Without these no man 
 can hope to make any large degree of Success in 
 this world. Now don't get the idea that ''Self- 
 esteem" is Egotism! It is simply a just estimate of 
 your own worth and ability, and this is necessary to 
 enable any one to achieve Success. The world at 
 large places too low a valuation upon most individ- 
 uals. They can only judge from what is apparent 
 or external, overlooking the important fact that, 
 with the majority of people, their greatest powers 
 and abilities lie dormant or passive within. In- 
 ventory your own real self and place a just esti- 
 
The Law of ^^ 
 
 Financial Success, 
 
 mate and valuation upon your talents, your powers 
 and abilities, and then compel a recognition of that 
 estimate thru your manner and bearing and your 
 own mental attitude! If you want the respect and 
 confidence of others, you must respect and have con- 
 fidence in yourself! If you expect others to recog- 
 nise your worth and abilities, recognize them your- 
 self — and demonstrate them! 
 
 It Is 
 
 Well Worth Now, there are but few who can- 
 
 Your While! not Successfully do a number of 
 things, and you are surely of this 
 class, or you would not be reading this book ! There 
 are without doubt a number of things that YOU can 
 do Success fuly, tho there is ONE thing that you 
 can do better than any one else! Let me ask you, 
 is it not worth your while to make the effort to dis- 
 cover these ''things,'' or that ''Thingf' Then com- 
 mence at once and make a thoro canvass of your 
 inherent abilities and the possibilities which are 
 within your reach, and see what you can do to make 
 an intelligent and practical start on the road to Fi- 
 nancial Success! 
 
 If you can't do just what you wish to do now, 
 take what presents itself as a stepping-stone, and a 
 temporary measure, towards your point. But don't 
 ' wait for something to "turn up !" That is what hun- 
 dreds and thousands are doing to-day, and that is 
 one potent reason why they don't succeed, and why 
 they never get out of the same old, well-worn rut! 
 If nothing ''turns up" get out and turn something 
 up!! Inject some energy and enthusiasm into your 
 
The Law of 46 
 
 Financial Success. 
 
 life and Acts, and DO and WORK as a real live 
 man! 
 
 The 
 
 Interior or In all your efforts for Success, do 
 
 Psychic Forces, not forget nor overlook your 
 Interior or Psychic Forces which 
 play a most important part in the achievement of 
 Success! I cannot go into this interesting and most 
 important subject here, but if you are not familiar 
 with it, don't delay informing yourself upon this 
 subject. Besides being of great interest and funda- 
 mental importance in the whole phenomena of life, 
 it is especially important as applied to the achieve- 
 ment of Financial Success.* 
 
 Courage 
 
 And There are those all about us who 
 
 Self-Reliance. have good and practical ideas for 
 making money, which, if put into 
 execution would bring rich returns, but they are too 
 timid and fearful to step boldly out upon life's stage 
 of action as a real live actor, and consequently they 
 become permanent dwellers in "Poverty-town." It 
 does require Courage and Self-reliance to step boldly 
 out into the world and depend alone upon one's re- 
 sources and abilities, but there are none but what 
 can cultivate these qualities — if they will! 
 
 It is easier for the majority to plod along in the 
 same old rut day after day and year after year as 
 dependents, rather than put their own forces into 
 
 ^For an exposition of the Psychic Forces and the Law 
 of Suggestion, see the "Science and Philosophy of Life." 
 
The Law of 47 
 
 binancial Success. 
 
 action and strike out boldly for themselves in an ef- 
 fort to he freed from the accursed bondage of Pov- 
 erty, Servitude and Slavery! 
 
 If You 
 
 Fall And what if you DO fall down? 
 
 Get Up! ' What, if your first, or second, or 
 
 twentieth effort to establish your- 
 self in Financial Success should result in more or 
 less failure ? What of it? Tho you fall, nothing can 
 hold you down! YOU can get up and go on again, 
 profiting by your experiences, and with better 
 chances for Success than ever before! We learn 
 thru Experience, and Success is built upon Failure, 
 hence if you are wise, you will count all as GOOD, 
 and seek to profit by your experiences ! 
 
 But with a clear knowledge and understanding of 
 the Laws governing Success, failure is rendered 
 very much less of a contingency, and the chances of 
 it are diminished in the degree in which your knowl- 
 edge and understanding of these Laws and Prin- 
 ciples are increased. 
 
 Don't Make 
 
 Money None should make the grave mis- 
 
 A God! take of making Money a god, 
 
 nor in making its attainment the 
 sole object of life ! It is an actual necessity, and the 
 gaining of Financial returns from your time, your 
 Powers and your Abilities is a perfectly just and le- 
 gitimate thing, and if you go at it right, it will be a 
 powerful aid in enabling you to live at your best, 
 Physically, Mentally, Spiritually and Morally! 
 
The Law of /^ 
 
 Financial Success. 
 
 We should look upon Money simply as a ''Tool" 
 with which we can work out our plans, carve our 
 Ideals into a material reality and obtain that which 
 is needful to us in life, but we should value it only 
 for what it will do, and not for its own value, for it 
 has none, save its purchasing power, but the moment 
 we make it the sole object of our efforts, instead of 
 using it as a means to an end, forgetting its real 
 mission, we are on the wrong road and are making 
 a serious mistake Which will result in crippling our 
 usefulness and dzvarfing our higher, spiritual nature. 
 
 A Clear 
 
 Understanding A clear understanding of the Laws 
 Necessary. and Principles of Financial Suc- 
 
 cess are of the most vital import- 
 ance to every human being who has ambition enough 
 to aspire to a larger field of usefulness and Self- 
 expression, as well as a greater development of 
 their own inherent powers and abilities, for they 
 mean Success in every direction, therefore we will 
 proceed to briefly classify these Laws and Princi- 
 ples, and give a summary of those things that con- 
 tribute to, and detract from. Success. 
 
 The Laws 
 
 And To restate and classify them, the 
 
 Principles. Laws and Principles which com- 
 
 bine to form the 'Xaw of Finan- 
 cial Success," are — 
 
 The Law of Cause and Effect, 
 The Law of Action and Reaction, 
 The Law of Attraction, 
 
The Law of ^^ 
 
 Financial Success. 
 
 and the principles involved are — 
 
 Definiteness and fixedness of purpose, 
 Will and Determination, 
 Confidence and belief in one's Ability, 
 Expectancy and Persistency, and the 
 Mental Attitude. 
 In these three Laws and five Principles, we have 
 the fundamental Laws and Principles of all Success, 
 and in order that you may more readily grasp their 
 importance and application, let us formulate a brief 
 and concise summary of their meaning. 
 
 You Must 
 
 **Open The Law of Cause and Effect says 
 
 The Way!" that for every ''effect/' there must 
 
 he a ''cause!'' In other words, as 
 you want something to come to you, which would 
 be an "Effect," you must put some "Cause" into op- 
 eration that will produce that effect, which means 
 that you must also "Open the Way!" This is a 
 Vital point ! Money cannot come to you until you — 
 or possibly some one else — have "Opened the Way" 
 for it to come. Indeed, this is one of the first steps 
 in the Achievement of Success ! Don't forget it ! ! 
 "OPEN THE WAY"— 2ind many ways if possible, 
 but they must all be in line and in harmony with 
 what you are doing, otherwise you would have too 
 many "irons in the fire" and some of them would 
 burn. Don't diffuse your energies, but concentrate 
 upon what you are doing, and DO that one thing 
 the best it can be done ! 
 
 Remember, there are usually a number of wires 
 attached to "Central." When this is the case, or 
 
The Law of ^ 
 
 Financial Success, 
 
 when YOU can run the wires in PULL THEM 
 ALL! Spend much time in quiet thot, devising 
 ways and means for Success, and don't hesitate to 
 dissect or criticise your own plans — the more the 
 better — in order to find the flaws. Be candid and 
 honest with yourself— 5£ PRACTICAL! 
 
 What "Cause" you can put in operation, I cannot 
 say. It all depends upon your own adaptability, ca- 
 pabilities, tastes, desires and your ultimate object, 
 but, as I have previously said, there are a hundred 
 things you can take up and make money, if you will 
 conquer your timidity and fear and possess the en- 
 ergy and courage you should. Get some publica- 
 tions that carry a large line of advertisements and 
 answer many of them. You will learn much in this 
 way, and as one thing always leads to another, you 
 will sooner or later strike the right thing — the thing 
 YOU can do, and do Successfully! 
 
 It takes money to make money, and to make a 
 start in anything, but for the small sum of $25 or 
 less, any zvide-azvake, energetic man or woman can 
 make a start in something that will pay well, and 
 pave the way for the attainment of their Ideals, and 
 if you have not the $25 get out and get it!! You 
 CAN do it if you will! In one way or another, you 
 CAN make enough money to make a start with, but, 
 IF POSSIBLE TO AVOID IT, don't, DON'T 
 Borrow MONEY! Depend solely upon yourself 
 and your own resources! You CAN DO IT! 
 
The Law of ^^ 
 
 Financial Success, 
 
 An 
 
 Independent Yes, I am now talking to those 
 Position! who want to be independent and 
 
 ''Pilot their own Ship,'' rather than 
 be the servants of others. / am talking to those who 
 can see that their own efforts and abilities can be 
 made to make money for themselves instead of for 
 others! I spent over twenty-five years of my life 
 serving and slaving for others — I will never do it 
 again! I don't care where I am set down, a stranger 
 among strange men, I can do SOMETHING and 
 work my way up. 
 
 I strongly advise the man or woman with Energy, 
 Courage and Ambition to zvork for themselves, but 
 in any event, bear this one point in mind — KEEP 
 YOURSELF IN AN INDEPENDENT POSI- 
 TION AS FAR AS POSSIBLE!! That is, see to 
 it that you keep yourself in a position where no per- 
 son nor persons can throw yon down thru with- 
 holding their support. This is important. You may 
 not understand it now, but even if it does sound 
 strange to you, it can be done. DON'T LEAN IN 
 ANY WAY UPON ANY OTHER PERSON, 
 but develop your own powers and rely upon your- 
 self only! 
 
 ''Open the Way!" "OPEN THE WAY!!" 
 Open many ways for money to come to you, put 
 ''Cause" into action, and "Open the Way" for the 
 "Effect !" But don't expect that "Effect" is going 
 to knock down stone walls or leap over insurmount- 
 able barriers to get to you! Be polite, and "Open 
 the Way" for your kind friend who is trying to reach 
 yon! 
 
The Law of 5^ 
 
 Financial Success, 
 
 Action 
 
 And "Give and ye shall Receive" is the 
 
 Reaction. Divine admonition, and it is as true 
 
 to-day as it was the day the Mas- 
 ter uttered it, and this Principle is expressed in 
 ''Action and Reaction" or the 'Xaw of Compen- 
 sation." The ''Action" is in the "giving,'' while the 
 "Reaction" is in the ''receiving" and one is the 
 opposite of the other. In plain words, if you ex- 
 pect to ''Receive" money, you must have an equiva- 
 lent to "give" for it, and the better your "Equiva- 
 lent," the more you may expect to receive for it. 
 
 Nothing 
 
 Succeeds Like "Like attracts Like" and after its 
 Success! kind. Success attracts Success. As 
 
 it is often said, "Nothing Succeeds 
 like Success!" This is the "Law of Attraction," 
 and it is universal, applicable to everything in* the 
 world, and to every phase and condition of life, 
 therefore apply it in working out your own Suc- 
 cess. If you don't understand it, take some good 
 book on the subject and study it up. Space will not 
 permit details here.''' 
 
 Now, remember these three Laws — "Cause and 
 Eifect" "Action and Reaction" or the Law of 
 "Compensation," and the "Law of Attraction" 
 Or, stated in other words, "Open the Way" have an 
 "Equivalent" to give, and live Mentally in the atmos- 
 phere of Prosperity and Success — and if you can do 
 it, associate with Successful people. 
 
 *See "The Science and Philosophy of Life.'* 
 
The Law of ^^ 
 
 Financial Success, 
 
 Your 
 
 Purpose and And now for our Principles. Have 
 Object. a well-defined and Hxed Purpose 
 
 before you at all times. This 
 should be the iirst thing you do, because it is folly 
 to "Hre" unless you are shooting AT something, 
 hence you must have a definite object and iixed pur- 
 pose in view before you can lay your plans or begin 
 to "Open the Way/' And you need not get ''rat- 
 tled." Tomorrow is coming, and you don't need to 
 plunge head foremost into the first thing that strikes 
 your Mental machine! Take time in which to de- 
 liberate and intelligently formulate your plans and 
 purposes, know what you want to do, how you want 
 to do it, and then GO AT IT AND DO IT! The 
 ONLY way to do a thing is to DO it!! Think of 
 a ship captain putting out to sea without any defi- 
 nite plans for sailing, and expecting to make a Finan- 
 cial Success of his voyage! Foolish, would he not 
 be? Well, see that you don't do the same thing! 
 
 You 
 
 Have a ''Will and Determination." When 
 
 Will! you have fixed your "Purpose," put 
 
 "Cause" into operation, and de- 
 cided upon "Action," then is the time to bring your 
 own strong ''WiW and "Determination'' into play. 
 Now don't tell me that you have no "Will," for I 
 know you have ! It is there, but you may not have 
 allowed it to show itself, or brought it irito play, 
 but YOU can demonstrate as good and strong a 
 "Will" as anyone, if you will but bring it into action 
 and use it! "Will," Determine to Succeed, and no 
 
The Law of 54 
 
 Financial Success, 
 
 matter what comes, let nothing daunt nor discour- 
 age you, but with unfaltering resolution, persist in 
 your efforts with a determination that will not admit 
 of defeat, so long as you are assured that your plans, 
 and what you are working, are Practical. Don't give 
 up—mVER ACKNO W LEDGE YO URSELF 
 DEFEATED!! You can do what others have done 
 when you know what they do, and you can know if 
 you zvill! You have the ability to Succeed in what 
 you "Will" to do, and you can do it— IF YOU 
 WILL! Now say "/ WILL!'' 
 
 Expect 
 
 What You Yes, firmly and Persistently Ex- 
 
 Want! pect Success, and ''Expect" thai 
 
 all that comes to you is the work- 
 ing out of this one thing! ''Expectancy and Per- 
 sistency" are important factors in the Achievement 
 of Financial Success. Don't be deceived into think- 
 ing that obstacles indicate that you are on the wrong 
 road ! You will see later on how they are just pre- 
 paring the zvay for your Success, and that tho they 
 seem to indicate defeat, they are in reality, ''Friends 
 in disguise!'' ALWAYS expect the best, and as 
 ''like attracts like," so this attitude of mind which 
 always "expects the best" will act as a powerful 
 motor-force in attracting the best to you. 
 
 And, be "Persistent!" Don't dabble in every- 
 thing, but take up the one thing you decide upon and 
 then hold to it — persist in it! You may encounter 
 difficulties that will cause you to think that you are 
 blindly knocking about among the rocks and stumps, 
 and so you may be for a time, but remember well 
 
The Law of 55 
 
 Financial Success, 
 
 that you need both experience and strength for the 
 conflict, which is not to last for to-day only, but 
 thruout your life, hence these very "stumps and 
 rocks'' may be for the sole purpose oi developing 
 your strength, giving you such experiences as you 
 need, and bringing out the ''Real Man !" So don't 
 overlook this fact nor try too hard to avoid the les- 
 sons of the first and second "grades," but buckle 
 yourself down to your task with an indomitable 
 "Will" and undaunted Courage and Determination, 
 and as time goes on, you will Und that YOU will 
 Succeed where others fail!! 
 
 Our 
 
 Mental As touching every phase and con- 
 
 Attitude, dition of our lives, our Physical 
 
 and Material well-being, our hap- 
 piness, Success, Attainment and Development, I 
 know of nothing of more far-reaching importance 
 than the ''Mental Attitude!" Thousands upon thou- 
 sands suffer ill health all their lives because of a 
 wrong Mental Attitude! Thousands upon thou- 
 sands suffer failure and defeat for precisely the 
 same reason! To make my statement plain and 
 clear to all, I say that thru our ''Mental Attitude," 
 we attract just what comes to us, be it Health or 
 Disease, Happiness or Unhappiness, Success or 
 Failure ! It does not matter to me whether you be- 
 lieve this statement or not, / KNOW it to be true 
 in a thousand ways ! It is a fact which we cannot 
 get around, and the best thing we can do is to recog- 
 nize the fact and line ourselves up accordingly ! 
 Go out soliciting for something with your mind 
 
The Law of 5^ 
 
 Financial Success. 
 
 filled with gloomy discouraging and pessimistic 
 thots — with feelings of failure and defeat in your 
 mind and see what you will get ! Reverse this con- 
 dition, and go with your mind filled with bright, 
 cheerful, happy thots and a smiling countenance — 
 go with the FEELING— the CONSCIOUSNESS 
 of SUCCESS and PROSPERITY, and note the 
 difference! Why is it? A simple answer — you im- 
 press your Thots and Feelings upon those zmth 
 whom you talk, and you are attracting to yourself 
 those things, those people and those conditions that 
 are in harmony with your own prevailing Mental 
 Attitude! This is a Psychological Law, inexorable, 
 and constantly operative. Get yourself in line zvith 
 it! "A word to the Wise is sufficient." 
 
 Build your Ideals and LIVE IN THEM MEN- 
 TALLY! Think of things as you want them to 
 occur, and as you continue to live in your Ideals 
 Mentally, cultivate ''Expectancy/' and get ''Action'' 
 behind them, you will see them beginning to ma- 
 terialize themselves in the ''Real thing !" Here is a 
 great Secret ! Do you get it ? 
 
 Define and 
 
 Fix Your Now, in addition to the Laws and 
 
 Purpose ! principles which we have been con- 
 
 sidering, let us look at some of the 
 more general Factors which contribute to Financial 
 — and all other — success. Many of these things are 
 involved in the Laws and principles which we have 
 stated, nevertheless as "Suggestion" gathers force in 
 its repetition, I will again say that the -first thing you 
 want to attend to, will be to Define and Fix your 
 
The Law of ^^ 
 
 Pinancial Success, 
 
 Purpose, so you will know zvhat you want to do and 
 have an inspiration and incentive before you. The 
 next thing is to ''Open the Way'' for what you want 
 to come to you ! Remember, water will not run up 
 hill ! It CAN be forced up hill, and if the way you 
 "open" does not bring Money in sufficient quantities, 
 you may have to do some "forcing," by putting more 
 power and energy behind it, or cutting the ditch a 
 little deeper and getting an even grade. 
 
 Then ''Action'' comes in. "Action" first, then the 
 "Reaction," which will be the opposite of what the 
 "Action" was. You must have "Value Received" 
 to give, and never expect "something for nothing." 
 
 Some Remember the "Law of Attrac- 
 
 General ^ tion" and always carry a smiling 
 
 Observations. ^^^ cheerful countenance with you. 
 Assume, if need be, the air of Prosperity, and culti- 
 vate such Thots as you wish to impress upon others,, 
 and you will attract from them that which corre- 
 sponds with what you are giving, whether it be 
 smiles and good-nature, or a monied consideration 
 for something that you are selling. 
 
 As I have said, if needs be, assume the air of pros- 
 perity. Dress well, but not so as to attract atten- 
 tion and let your whole manner and appearance indi- 
 cate Success and Prosperity, for "nothing Succeeds 
 like Success." 
 
 Be courageous and Determined and never allow 
 Fear nor Discouragement take hold of you. Re- 
 member that "Fear invites Defeat!" Put your whole 
 energies in what you undertake and you are bound 
 to win ! 
 
The Law of ' 5^ 
 
 Financial Success. 
 
 Some Things 
 
 Which Invite There are many things which in- 
 Defeat! vite Defeat, and there are some 
 
 things which make the most prac- 
 tical and well-laid plans and schemes certain fail- 
 ures. Fear and Doubt are your two worst enemies — 
 keep out of their w^y! Despondency, feelings of 
 discouragement, ill-health, lack of confidence in 
 yourself, an under-estimate of your own abilities, a 
 lack of proper Self-esteem, lack of confidence in 
 what you are doing or selling — these all are a hinder- 
 ance to Success and pave the way for the defeat and 
 failure of the best laid plans, if persisted in. 
 
 Don't approach people when you are "out of 
 humor" or not feeling in the right mood for business, 
 you are quite liable to spoil good prospects for busi- 
 ness by so doing. Get yourself together, in a good, 
 big bundle of Confidence, Energy, Self-esteem, 
 Courage, Expectancy, Cheerfulness and light-heart- 
 edness, and then — GO! 
 
 Get out of the old-time rut of despondency and 
 self-limitations, bestir yourself and break the shack- 
 les that have so long held you in bondage ! Assert 
 your right to Freedom of Thot and Action, Think 
 and Act for yourself, learn and put into operation 
 these Laws and Principles of Success which you 
 have been studying, and thru these, press your right 
 to a just and fair recompense for your time, your 
 talents and abilities, and you will Succeed! 
 
 You have been blaming ''Fate'' and ''Unfavorable 
 Conditions'' for your lack of Success. Now put the 
 blame where it belongs — with yourself! There is 
 no such thing as "Fate,'' except as YOU make your 
 
The Law of ^9 
 
 Financial Success. 
 
 own fate, and ''nothing ever happens,'' for all is the 
 result of the operation of Law, so set yourself right 
 on this point at once, recognize the fact that your 
 failures, and what you call "misfortunes" are your 
 own fault, and yours only, then set about living and 
 Doing intelligently! Get in line, formulate your 
 plans and Purposes, and — ''Open the Way!" 
 
 The 
 
 School of When you were young and going 
 
 Life. to school, you passed thru suc- 
 
 cessive grades until you gradu- 
 ated — if you stuck to your proposition. Then you 
 passed out of one school into another — the great 
 School of Life, and in it you have been passing from 
 one grade to another in the degree in which you 
 have learned the lessons of each. Have you learned 
 them well, or will you be sent back to study and 
 learn the same lessons over again? Each so-called 
 "misfortune" has its special lesson for you, and 
 there exists a need for them or they would not come. 
 If you encounter obstacles, meet them with increas- 
 ing strength and determination — never flinch be- 
 fore them, for remember that just as there are differ- 
 ent grades in our Public Schools, so there are differ- 
 ent "planes" in the life we are living, and each has 
 its own special lessons which must be learned before 
 we can advance to the next higher. It is learning 
 by experience and developing by degrees that we 
 grow into each successive plane, tho some seem to 
 make mighty slow progress, and these failures of 
 yours are in all probability, the lessons and experi- 
 ences which are fitting you for the fuller and more 
 complete attainment of your Ideals and desires. 
 
The Law of ^ 
 
 Financial Success. 
 
 Failure Is 
 
 Often a And bear in mind that seeming 
 
 Stepping-Stone. misfortunes are but paving the way 
 for better things for you! You 
 can't see it at the time, but you can look back over 
 your life and discover enough to tell you that this is 
 true, therefore don't complain, but if hard or diffi- 
 cult places appear, meet them with courage and 
 fortitude, like a true, full-grown man, and get all 
 you can out of them. 
 
 You will not ascend the ladder of Success at a 
 bound — no one can, if they are honest! You must 
 go up step after step. Don't get impatient! If you 
 start right and work with an intelligent knowledge 
 of the Laws which control you in all you do, you 
 will climb higher and higher, and more than all, as 
 you ascend step after step, you prove your way — you 
 will know just HOW you achieved Success, and 
 that means— INDEPENDENCE! You will stand 
 on a solid footing! 
 
 You 
 
 Can There is no reason why YOU 
 
 Do It! should not attain Financial Suc- 
 
 cess in a large degree, IF YOU 
 WILL! All have the elements of Success within 
 them, and YOU have your quota! If you fail to 
 achieve Success, the fault is your own, and the 
 sooner you settle down to a realizatfon of this fact, 
 start right, get yourself in line, bring your latent 
 powers and abilities into action and work with an 
 intelligent understanding of the Laws and Principles 
 which govern you in every phase of your existence, 
 
The Law of 
 Financial Success. 
 
 the sooner will yon get yourself on the right road to 
 Success, and realize the attainment of the highest 
 Ideals and Objects of your life — the sooner will you 
 achieve Success in the largest sense of the zvord! 
 
 Details for your individual case I cannot give. 
 You must think and Act for yourself. I have given 
 you the Laws and general Principles which govern 
 the Success of all, and it is for you to Think and Do! 
 Formulate your plans and Purposes and put them 
 into working shape, and then — ACT! There is 
 something that YOU can do to make money, and 
 you can do it well ! Find what it is and then — DO 
 IT! 
 
 I have tried to help you thru the knowledge which 
 has come to me by Experience, as well as study, and 
 I cherish the hope that it will prove to be a practical 
 help to you, not only in attaining Financial Success, 
 but in your reaching out for higher Attainment and 
 the fuller development of the Real Man Within, and 
 I leave you with my most earnest wish for your suc- 
 cess in your undertakings. 
 
 THE AUTHOR. 
 
CONSTIPATION 
 
 All sorts of physical and mental derangements 
 follow constipation! Elimination must proceed, 
 or the whole system becomes clogged up and de- 
 ranged. 
 
 I HAVE CURED HUNDREDS OF 
 
 this common, but aggravating complaint without 
 one drop of medicine, by a simple, rational and 
 natural process, and I want all who suffer to 
 have the benefit of this remarkable cure. Don't 
 suffer with 
 
 CONSTIPATION 
 
 Don't neglect yourself until something worse 
 attacks you! Cure yourself — do it NOW. 
 
 FOR ONLY ONE DOLLAR 
 
 I will send you this cure, which is simple, easy, 
 natural and scientific, and one that I use in my 
 practice daily with universal success. Remember, 
 
 NO DRUGS, 
 
 no enemas, no inconvenience and nothing to take 
 or buy! You have this sure means of cure at 
 hand as long as you live! This is no "fake" nor 
 experiment. It cannot fail if my instructions are 
 conscientiously followed. One dollar pays for 
 all — I have nothing more to sell you. 
 
 DON'T TRIFLE 
 
 with constipation, but send me a dollar at once 
 and get this cure and cure yourself perma- 
 nently — prolong your life, clear your brain and 
 increas^e your mental and physical capacity. This 
 cure will doubtless save you hundreds of dollars. 
 
 WRITE AT ONCE DO IT NOW 
 
 DR. EDWARD H. COWLES 
 
 DRAWER Y. SANTA CRUZ, CAUF. 
 
 I 
 
A BOOK FOR HVBRYBODV 
 
 TI70 Science and 
 Philosopbg of liife 
 
 Btj Hdward H* Cowles, D. P. 
 
 An Inspiring, Helpful book for all. 
 Teaches the Laws and Principles governing 
 all Life-Expression, explains "Thot Force/' 
 Personal Magnetism^ the Duality of Mind, and 
 makes clear the Lauj of '^Suggestion." It 
 tells how we live, and how we should live to 
 realize our desires and ideals. // has helped 
 hundreds to greater Success", Health, Happi- 
 ness and Higher Attainment — /*/ will help 
 YOU! 
 INTENSELY INTERESTING 
 
 HIGHL Y INS TRUCTIVE 
 
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886384 
 
 THE UNIVERSITY OF CAUFORNIA LIBRARY