Never forget that time is precious to some persons, though you may be ready to waste it; also that money is necessary, and that it is every one's duty to settle all debts as promptly as possible.

Never fail to have all the details of an agreement decided so far as they can be before the transaction is concluded, and bear in mind that a contract can be broken only by the consent of all the parties concerned.

Never keep washer-women, seamstresses, nor any one dependent upon daily labor waiting for payment, and, on the other hand, when requesting payment of a debt, avoid any unpleasantness of tone or manner.

Never buy on credit, if cash can be had. This is a rule of common sense and practical economy.

Never forget that a character for fair dealing is a capital that cannot be lost. Do not think it unnecessary to learn the minutest details of any business, nor imagine that success in any business can be attained without a thorough training for it.

Never fail to be courteous in all business intercourse; a pleasant manner will do much to insure success.

Never insist on entering any business office, if told that its occupant is not at leisure. Courtesy requires that you should quietly await his leisure, or offer to call again if time will not permit you to wait.