Rule No. 10: Don"t gamble-ever.

I am always astounded by the people who hope to make money by betting on the ponies or playing slot machines. I know a man who makes his living by owning a string of these "one armed bandits", and he has nothing but contempt for the foolish people who are so naive as to imagine that they can beat a machine that is already rigged against them.

I also know one of the best known bookmakers in America. He was a student in my adult-education cla.s.ses. He told me that with all his knowledge of horse racing, he couldn"t make money betting on the ponies. Yet the facts are that foolish people bet six billion dollars a year on the races-six times as much as our total national debt back in 1910. This bookmaker also told me that if he had an enemy he despised, he could think of no better way of ruining him than by getting him to bet on the races. When I asked him what would happen to the man who played the races according to the tipster sheets, he replied: "You could lose the Mint by betting that way."

If we are determined to gamble, let"s at least be smart. Let"s find out what the odds are against us. How? By reading a book ent.i.tled How to Figure the Odds, by Oswald Jacoby-an authority on bridge and poker, a top-ranking mathematician, a professional statistician, and an insurance actuary. This book devotes 215 pages to telling you what the odds are against your winning when you play the ponies, roulette, c.r.a.ps, slot machines, draw poker, stud poker, contract bridge, auction pinochle, the stock market. This book also give you the scientific, mathematical chances on a score of other activities. It doesn"t pretend to show how to make money gambling. The author has no axe to grind. He merely shows you what the odds are against your winning in all the usual ways of gambling; and when you see the odds, you will pity the poor suckers who stake their hard-earned wages on horse races or cards or dice or slot machines. If you are tempted to shoot c.r.a.ps or play poker or bet on horses, this book may save you a hundred times-yes, maybe a thousand times-what it costs.

Rule No. 11: If we can"t possibly improve our financial situation, let"s be good to ourselves and stop resenting what can"t be changed.

If we can"t possibly improve our financial situation, maybe we can improve our mental att.i.tude towards it. Let"s remember that other people have their financial worries, too. We may be worried because we can"t keep up with the Joneses; but the Joneses are probably worried because they can"t keep up with the Ritzes; and the Ritzes are worried because they can"t keep up with the Vanderbilts.

Some of the most famous men in American history have had their financial troubles. Both Lincoln and Washington had to borrow money to make the trip to be inaugurated as President.

If we can"t have all we want, let"s not poison our days and sour our dispositions with worry and resentment. Let"s be good to ourselves. Let"s try to be philosophical about it. "If you have what seems to you insufficient," said one of Rome"s greatest philosophers, Seneca, "then you will be miserable even if you possess the world."

And let"s remember this: even if we owned the entire United States with a hog-tight fence around it, we could eat only three meals a day and sleep in only one bed at a time.

To lessen financial worries, let"s try to follow these eleven rules: 1. Get the facts down on paper.

2. Get a tailor-made budget that really fits your needs 1 3. Learn how to spend wisely.

4. Don"t increase your headaches with your income.

5. Try to build credit, in the event you must borrow.

6. Protect yourself against illness, fire, and emergency expenses.

7. Do not have your life-insurance proceeds paid to your widow in cash.

8. Teach your children a responsible att.i.tude towards money.

9. If necessary, make a little extra money off your kitchen stove.

10. Don"t gamble-ever.

11. If we can"t possibly improve our financial situation, let"s be good to ourselves and stop resenting what can"t be changed.

Part Ten - "How I Conquered Worry"

32 True Stories ~~~~.

Six Major Troubles. .h.i.t Me All At Once BY C.I. BLACK WOOD.

Proprietor, Blackwood-Davis Business College Oklahoma City, Oklahoma In the summer of 1943, it seemed to me that half the worries of the world had come to rest on my shoulders.

For more than forty years, I had lived a normal, carefree life with only the usual troubles which come to a husband, father, and business man. I could usually meet these troubles easily, but suddenly-wham! wham!! wham!!! wham! !!! WHAM! !!!! WHAM!!!!!! Six major troubles. .h.i.t me all at once. I pitched and tossed and turned in bed all night long, half dreading to see the day come, because I faced these six major worries.

1. My business college was trembling on the verge of financial disaster because all the boys were going to war; and most of the girls were making more money working in war plants without training than my graduates could make in business offices with training.

2. My older son was in service, and I had the heart-numbing worry common to all parents whose sons were away at war.

3. Oklahoma City had already started proceedings to appropriate a large tract of land for an airport, and my home- formerly my father"s home-was located in the centre of this tract. I knew that I would be paid only one tenth of its value, and, what was even worse, I would lose my home; and because of the housing shortage, I worried about whether I could possibly find another home to shelter my family of six. I feared we might have to live in a tent. I even worried about whether we would be able to buy a tent.

4. The water well on my property went dry because a drainage ca.n.a.l had been dug near my home. To dig a new well would be throwing five hundred dollars away because the land was probably being appropriated. I had to carry water to my livestock in buckets every morning for two months, and I feared I would have to continue it during the rest of the war.

5. I lived ten miles away from my business school and I had a cla.s.s B petrol card: that meant I couldn"t buy any new tyres, so I worried about how I could ever get to work when the superannuated tyres on my old Ford gave up the ghost.

6. My oldest daughter had graduated from high school a year ahead of schedule. She had her heart set on going to college, and I just didn"t have the money to send her. I knew her heart would be broken.

One afternoon while sitting in my office, worrying about my worries, I decided to write them all down, for it seemed no one ever had more to worry about than I had. I didn"t mind wrestling with worries that gave me a fighting chance to solve them, but these worries all seemed to be utterly beyond my control. I could do nothing to solve them. So I filed away this typewritten list of my troubles, and, as the months pa.s.sed, I forgot that I had ever written it. Eighteen months later, while transferring my files, I happened to come across this list of my six major problems that had once threatened to wreck my health. I read them with a great deal of interest-and profit. I now saw that not one of them had come to pa.s.s.

Here is what had happened to them: 1. I saw that all my worries about having to close my business college had been useless because the government had started paying business schools for training veterans and my school was soon filled to capacity.

2. I saw that all my worries about my son in service had been useless: he was coming through the war without a scratch.

3. I saw that all my worries about my land being appropriated for use as an airport had been useless because oil had been struck within a mile of my farm and the cost for procuring the land for an airport had become prohibitive.

4. I saw that all my worries about having no well to water my stock had been useless because, as soon as I knew my land would not be appropriated, I spent the money necessary to dig a new well to a deeper level and found an unfailing supply of water.

5. I saw that all my worries about my tyres giving out had been useless, because by recapping and careful driving, the tyres had managed somehow to survive.

6. I saw that all my worries about my daughter"s education had been useless, because just sixty days before the opening of college, I was offered-almost like a miracle-an auditing job which I could do outside of school hours, and this job made it possible for me to send her to college on schedule.

I had often heard people say that ninety-nine per cent of the things we worry and stew and fret about never happen, but this old saying didn"t mean much to me until I ran across that list of worries I had typed out that dreary afternoon eighteen months previously.

I am thankful now that I had to wrestle in vain with those six terrible worries. That experience has taught me a lesson I"ll never forget. It has shown me the folly and tragedy of stewing about events that haven"t happened-events that are beyond our control and may never happen.

Remember, today is the tomorrow you worried about yesterday. Ask yourself: How do I KNOW this thing I am worrying about will really come to pa.s.s?

I Can Turn Myself in to a Shouting Optimist Within an Hour By Roger W. Babson Famous Economist Babson Park, Wellesley Hills, Ma.s.sachusetts When I find myself depressed over present conditions, I can, within one hour, banish worry and turn myself into a shouting optimist.

Here is how I do it. I enter my library, close my eyes, and walk to certain shelves containing only books on history. With my eyes still shut, I reach for a book, not knowing whether I am picking up Prescott"s Conquest of Mexico or Suetonius" Lives of the Twelve Caesars. With my eyes still closed, I open the book at random. I then open my eyes and read for an hour; and the more I read, the more sharply I realise that the world has always been in the throes of agony, that civilisation has always been tottering on the brink. The pages of history fairly shriek with tragic tales of war, famine, poverty, pestilence, and man"s inhumanity to man. After reading history for an hour, I realise that bad as conditions are now, they are infinitely better than they used to be. This enables me to see and face my present troubles in their proper perspective as well as to realise that the world as a whole is constantly growing better.

Here is a method that deserves a whole chapter. Read history! Try to get the viewpoint of ten thousand years-and see how trivial your troubles are, in terms of eternity.

How I Got Rid Of An Inferiority Complex By Elmer Thomas United States Senator from Oklahoma When I was fifteen I was constantly tormented by worries and fears and self-consciousness. I was extremely tall for my age and as thin as a fence rail. I stood six feet two inches and weighed only 118 pounds. In spite of my height, I was weak and could never compete with the other boys in baseball or running games. They poked fun at me and called me "hatch-face". I was so worried and self-conscious that I dreaded to meet anyone, and I seldom did, for our farmhouse was off the public road and surrounded by thick virgin timber that had never been cut since the beginning of time. We lived half a mile from the highway; and a week would often go by without my seeing anyone except my mother, father, and brothers and sisters.

I would have been a failure in life if I had let those worries and fears whip me. Every day and every hour of the day, I brooded over my tall, gaunt, weak body. I could hardly think of anything else. My embarra.s.sment, my fear, was so intense that it is almost impossible to describe it. My mother knew how I felt. She had been a school-teacher, so she said to me: "Son, you ought to get an education, you ought to make your living with your mind because your body will always be a handicap."

Since my parents were unable to send me to college, I knew I would have to make my own way; so I hunted and trapped opossum, skunk, mink, and racc.o.o.n one winter; sold my hides for four dollars in the spring, and then bought two little pigs with my four dollars. I fed the pigs slop and later corn and sold them for forty dollars the next fall. With the proceeds from the sale of the two hogs I went away to the Central Normal College-located at Danville, Indiana. I paid a dollar and forty cents a week for my board and fifty cents a week for my room. I wore a brown shirt my mother had made me. (Obviously, she used brown cloth because it wouldn"t show the dirt.) I wore a suit of clothes that had once belonged to my father. Dad"s clothes didn"t fit me and neither did his old congress gaiter shoes that I wore-shoes that had elastic bands in the sides that stretched when you put them on. But the stretch had long since gone out of the bands, and the tops were so loose that the shoes almost dropped off my feet as I walked. I was embarra.s.sed to a.s.sociate with the other students, so I sat in my room alone and studied. The deepest desire of my life was to be able to buy some store clothes that fit me, clothes that I was not ashamed of.

Shortly after that, four events happened that helped me to overcome my worries and my feeling of inferiority. One of these events gave me courage and hope and confidence and completely changed all the rest of my life. I"ll describe these events briefly: First: After attending this normal school for only eight weeks, I took an examination and was given a third-grade certificate to teach in the country public schools. To be sure, this certificate was good for only six months, but it was fleeting evidence that somebody had faith in me-the first evidence of faith that I ever had from anyone except my mother.

Second: A country school board at a place called Happy Hollow hired me to teach at a salary of two dollars per day, or forty dollars per month. Here was even more evidence of somebody"s faith in me.

Third: As soon as I got my first cheque I bought some store clothes-clothes that I wasn"t ashamed to wear. If someone gave me a million dollars now, it wouldn"t thrill me half as much as that first suit of store clothes for which I paid only a few dollars.

Fourth: The real turning point in my life, the first great victory in my struggle against embarra.s.sment and inferiority occurred at the Putnam County Fair held annually in Bain-bridge, Indiana. My mother had urged me to enter a public-speaking contest that was to be held at the fair. To me, the very idea seemed fantastic. I didn"t have the courage to talk even to one person-let alone a crowd. But my mother"s faith in me was almost pathetic. She dreamed great dreams for my future. She was living her own life over in her son. Her faith inspired me to enter the contest. I chose for my subject about the last thing in the world that I was qualified to talk on: "The Fine and Liberal Arts of America". Frankly, when I began to prepare a speech I didn"t know what the liberal arts were, but it didn"t matter much because my audience didn"t know, either.

I memorised my flowery talk and rehea.r.s.ed it to the trees and cows a hundred times. I was so eager to make a good showing for my mother"s sake that I must have spoken with emotion. At any rate, I was awarded the first prize. I was astounded at what happened. A cheer went up from the crowd. The very boys who had once ridiculed me and poked fun at me and called me hatchet-faced now slapped me on the back and said: "I knew you could do it, Elmer." My mother put her arms around me and sobbed. As I look back in retrospect, I can see that winning that speaking contest was the turning point of my life. The local newspapers ran an article about me on the front page and prophesied great things for my future. Winning that contest put me on the map locally and gave me prestige, and, what is far more important, it multiplied my confidence a hundredfold. I now realise that if I had not won that contest, I probably would never have become a member of the United States Senate, for it lifted my sights, widened my horizons, and made me realise that I had latent abilities that I never dreamed I possessed. Most important, however, was the fact that the first prize in the oratorical contest was a year"s scholarship in the Central Normal College.

I hungered now for more education. So, during the next few years-from 1896 to 1900-I divided my time between teaching and studying. In order to pay my expenses at De Pauw University, I waited on tables, looked after furnaces, mowed lawns, kept books, worked in the wheat and cornfields during the summer, and hauled gravel on a public road-construction job.

In 1896, when I was only nineteen, I made twenty-eight speeches, urging people to vote for William Jennings Bryan for President. The excitement of speaking for Bryan aroused a desire in me to enter politics myself. So when I entered De Pauw University, I studied law and public speaking. In 1899 I represented the university in a debate with Butler College, held in Indianapolis, on the subject "Resolved that United States Senators should be elected by popular vote." I won other speaking contests and became editor-in-chief of the cla.s.s of 1900 College Annual, The Mirage, and the university paper, The Palladium.

After receiving my A.B. degree at De Pauw, I took Horace Greeley"s advice-only I didn"t go west, I went south-west. I went down to a new country: Oklahoma. When the Kiowa, Comanche, and Apache Indian reservation was opened, I home-steaded a claim and opened a law office in Lawton, Oklahoma. I served in the Oklahoma State Senate for thirteen years, in the lower House of Congress for four years, and at fifty years of age, I achieved my lifelong ambition: I was elected to the United States Senate from Oklahoma. I have served in that capacity since March 4, 1927. Since Oklahoma and Indian Territories became the state of Oklahoma on November 16, 1907, I have been continuously honoured by the Democrats of my adopted state by nominations-first for State Senate, then for Congress, and later for the United States Senate.

I have told this story, not to brag about my own fleeting accomplishments, which can"t possibly interest anyone else. I have told it wholly with the hope that it may give renewed courage and confidence to some poor boy who is now suffering from the worries and shyness and feeling of inferiority that devastated my life when I was wearing my father"s cast-off clothes and gaiter shoes that almost dropped off my feet as I walked.

(Editor"s note: It is interesting to know that Elmer Thomas, who was so ashamed of his ill-fitting clothes as a youth, was later voted the best-dressed man in the United States Senate.) ~~~~.

I Lived In The Garden Of Allah By R.V.C. Bodley Descendant of Sir Thomas Bodley, founder of the Bodleian Library, Oxford Author of Wind in the Sahara, The Messenger, and fourteen other volumes IN 1918, I turned my back on the world I had known and went to north-west Africa and lived with the Arabs in the Sahara, the Garden of Allah. I lived there seven years. I learned to speak the language of the nomads. I wore their clothes, I ate their food, and adopted their mode of life, which has changed very little during the last twenty centuries. I became an owner of sheep and slept on the ground in the Arabs" tents. I also made a detailed study of their religion. In fact, I later wrote a book about Mohammed, ent.i.tled The Messenger.

Those seven years which I spent with these wandering shepherds were the most peaceful and contented years of my life.

I had already had a rich and varied experience: I was born of English parents in Paris; and lived in France for nine years. Later I was educated at Eton and at the Royal Military College at Sandhurst. Then I spent six years as a British army officer in India, where I played polo, and hunted, and explored in the Himalayas as well as doing some soldiering. I fought through the First World War and, at its close, I was sent to the Paris Conference as an a.s.sistant military attach. I was shocked and disappointed at what I saw there. During the four years of slaughter on the Western Front, I had believed we were fighting to save civilisation. But at the Paris Peace Conference, I saw selfish politicians laying the groundwork for the Second World War-each country grabbing all it could for itself, creating national antagonisms, and reviving the intrigues of secret diplomacy.

I was sick of war, sick of the army, sick of society. For the first time in my career, I spent sleepless nights, worrying about what I should do with my life. Lloyd George urged me to go in for politics. I was considering taking his advice when a strange thing happened, a strange thing that shaped and determined my life for the next seven years. It all came from a conversation that lasted less than two hundred seconds-a conversation with "Ted" Lawrence, "Lawrence of Arabia", the most colourful and romantic figure produced by the First World War. He had lived in the desert with the Arabs and he advised me to do the same thing. At first, it sounded fantastic.

However, I was determined to leave the army, and I had to do something. Civilian employers did not want to hire men like me-ex-officers of the regular army-especially when the labour market was jammed with millions of unemployed. So I did as Lawrence suggested: I went to live with the Arabs. I am glad I did so. They taught me how to conquer worry. Like all faithful Moslems, they are fatalists. They believe that every word Mohammed wrote in the Koran is the divine revelation of Allah. So when the Koran says: "G.o.d created you and all your actions," they accept it literally. That is why they take life so calmly and never hurry or get into unnecessary tempers when things go wrong. They know that what is ordained is ordained; and no one but G.o.d can alter anything. However, that doesn"t mean that in the face of disaster, they sit down and do nothing. To ill.u.s.trate, let me tell you of a fierce, burning windstorm of the sirocco which I experienced when I was living in the Sahara. It howled and screamed for three days and nights. It was so strong, so fierce, that it blew sand from the Sahara hundreds of miles across the Mediterranean and sprinkled it over the Rhone Valley in France. The wind was so hot I felt as if the hair was being scorched off my head. My throat was parched. My eyes burned. My teeth were full of grit. I felt as if I were standing in front of a furnace in a gla.s.s factory. I was driven as near crazy as a man can be and retain his sanity. But the Arabs didn"t complain. They shrugged their shoulders and said: "Mektoub!" ... "It is written."

But immediately after the storm was over, they sprang into action: they slaughtered all the lambs because they knew they would die anyway; and by slaughtering them at once, they hoped to save the mother sheep. After the lambs were slaughtered, the flocks were driven southward to water. This was all done calmly, without worry or complaining or mourning over their losses. The tribal chief said: "It is not too bad. We might have lost everything. But praise G.o.d, we have forty per cent of our sheep left to make a new start."

I remember another occasion, when we were motoring across the desert and a tyre blew out. The chauffeur had forgotten to mend the spare tyre. So there we were with only three tyres. I fussed and fumed and got excited and asked the Arabs what we were going to do. They reminded me that getting excited wouldn"t help, that it only made one hotter. The blown-out tyre, they said, was the will of Allah and nothing could be done about it. So we started on, crawling along on the rim of a wheel. Presently the car spluttered and stopped. We were out of petrol 1 The chief merely remarked: "Mektoub!" and, there again, instead of shouting at the driver because he had not taken on enough petrol, everyone remained calm and we walked to our destination, singing as we went.

The seven years I spent with the Arabs convinced me that the neurotics, the insane, the drunks of America and Europe are the product of the hurried and hara.s.sed lives we live in our so-called civilisation.

As long as I lived in the Sahara, I had no worries. I found there, in the Garden of Allah, the serene contentment and physical well-being that so many of us are seeking with tenseness and despair.

Many people scoff at fatalism. Maybe they are right. Who knows? But all of us must be able to see how our fates are often determined for us. For example, if I had not spoken to Lawrence of Arabia at three minutes past noon on a hot August day in 1919, all the years that have elapsed since then would have been completely different. Looking back over my life, I can see how it has been shaped and moulded time and again by events far beyond my control. The Arabs call it mektoub, kismet-the will of Allah. Call it anything you wish. It does strange things to you. I only know that today-seventeen years after leaving the Sahara-I still maintain that happy resignation to the inevitable which I learned from the Arabs. That philosophy has done more to settle my nerves than a thousand sedatives could have achieved.

You and I are not Mohammedans: we don"t want to be fatalists. But when the fierce, burning winds blow over our lives-and we cannot prevent them-let us, too, accept the inevitable. And then get busy and pick up the pieces.

Five Methods I Use To Banish Worry By Professor William Lyon Phelps [I had the privilege of spending an afternoon with Billy Phelps, of Yale, shortly before his death. Here are the five methods he used to banish worry-based on the notes I took during that interview. -DALE CARNEGIE]

1. When I was twenty-four years old, my eyes suddenly gave out. After reading three or four minutes, my eyes felt as if they were full of needles; and even when I was not reading, they were so sensitive that I could not face a window. I consulted the best occultists in New Haven and New York. Nothing seemed to help me. After four o"clock in the afternoon, I simply sat in a chair in the darkest corner of the room, waiting for bedtime. I was terrified. I feared that I would have to give up my career as a teacher and go out West and get a job as a lumberjack. Then a strange thing happened which shows the miraculous effects of the mind over physical ailments. When my eyes were at their worst that unhappy winter, I accepted an invitation to address a group of undergraduates.

The hall was illuminated by huge rings of gas jets suspended from the ceiling. The lights pained my eyes so intensely that, while sitting on the platform, I was compelled to look at the floor. Yet during my thirty-minute speech, I felt absolutely no pain, and I could look directly at these lights without any blinking whatever. Then when the a.s.sembly was over, my eyes pained me again.

I thought then that if I could keep my mind strongly concentrated on something, not for thirty minutes, but for a week, I might be cured. For clearly it was a case of mental excitement triumphing over a bodily illness.

I had a similar experience later while crossing the ocean. I had an attack of lumbago so severe that I could not walk. I suffered extreme pain when I tried to stand up straight. While in that condition, I was invited to give a lecture on shipboard. As soon as I began to speak, every trace of pain and stiffness left my body; I stood up straight, moved about with perfect flexibility, and spoke for an hour. When the lecture was over, I walked away to my stateroom with ease. For a moment, I thought I was cured. But the cure was only temporary. The lumbago resumed its attack.

These experiences demonstrated to me the vital importance of one"s mental att.i.tude. They taught me the importance of enjoying life while you may. So I live every day now as if it were the first day I had ever seen and the last I were going to see. I am excited about the daily adventure of living, and n.o.body in a state of excitement will be unduly troubled with worries. I love my daily work as a teacher. I wrote a book ent.i.tled The Excitement of Teaching. Teaching has always been more than an art or an occupation to me. It is a pa.s.sion. I love to teach as a painter loves to paint or a singer loves to sing. Before I get out of bed in the morning, I think with ardent delight of my first group of students. I have always felt that one of the chief reasons for success in life is enthusiasm.

2. I have found that I can crowd worry out of mind by reading an absorbing book. When I was fifty-nine, I had a prolonged nervous breakdown. During that period I began reading David Alec Wilson"s monumental Life of Carlyle. It had a good deal to do with my convalescence because I became so absorbed in reading it that I forgot my despondency.

3. At another time when I was terribly depressed, I forced myself to become physically active almost every hour of the day. I played five or six sets of violent games of tennis every morning, then took a bath, had lunch, and played eighteen holes of golf every afternoon. On Friday night I danced until one o"clock in the morning. I am a great believer in working up a tremendous sweat. I found that depression and worry oozed out of my system with the sweat.

4. I learned long ago to avoid the folly of hurry, rush, and working under tension. I have always tried to apply the philosophy of Wilbur Cross. When he was Governor of Connecticut, he said to me: "Sometimes when I have too many things to do all at once, I sit down and relax and smoke my pipe for an hour and do nothing."

5. I have also learned that patience and time have a way of resolving our troubles. When I am worried about something, I try to see my troubles in their proper perspective. I say to myself: "Two months from now I shall not be worrying about this bad break, so why worry about it now? Why not a.s.sume now the same att.i.tude that I will have two months from now?"

To sum up, here are the five ways in which Professor Phelps banished worry: 1. Live with gusto and enthusiasm: "I live every day as if it were the first day I had ever seen and the last I were going to see."

2. Read an interesting book: "When I had a prolonged nervous breakdown ... I began reading ... the Life of Carlyle ... and became so absorbed in reading it that I forgot my despondency."

3. Play games: "When I was terribly depressed, I forced myself to become physically active almost every hour of the day."

4. Relax while you work: "I long ago learned to avoid the folly of hurry, rush, and working under tension."

5. "I try to see my troubles in their proper perspective. I say to myself: "Two months from now I shall not be worrying about this bad break, so why worry about it now? Why not a.s.sume now the same att.i.tude that I will have two months from now?""

I Stood Yesterday. I Can Stand Today By Dorothy Dix I have been through the depths of poverty and sickness. When people ask me what has kept me going through the troubles that come to all of us, I always reply: "I stood yesterday. I can stand today. And I will not permit myself to think about what might happen tomorrow."

I have known want and struggle and anxiety and despair. I have always had to work beyond the limit of my strength. As I look back upon my life, I see it as a battlefield strewn with the wrecks of dead dreams and broken hopes and shattered illusions-a battle in which I always fought with the odds tremendously against me, and which has left me scarred and bruised and maimed and old before my time.

Yet I have no pity for myself; no tears to shed over the past and gone sorrows; no envy for the women who have been spared all I have gone through. For I have lived. They only existed. I have drank the cup of life down to its very dregs. They have only sipped the bubbles on top of it. I know things they will never know. I see things to which they are blind. It is only the women whose eyes have been washed clear with tears who get the broad vision that makes them little sisters to all the world.

I have learned in the great University of Hard Knocks a philosophy that no woman who has had an easy life ever acquires. I have learned to live each day as it comes and not to borrow trouble by dreading the morrow. It is the dark menace of the future that makes cowards of us. I put that dread from me because experience has taught me that when the time comes that I so fear, the strength and wisdom to meet it will be given me. Little annoyances no longer have the power to affect me. After you have seen your whole edifice of happiness topple and crash in ruins about you, it never matters to you again that a servant forgets to put the doilies under the finger bowls, or the cook spills the soup.

I have learned not to expect too much of people, and so I can still get happiness out of the friend who isn"t quite true to me or the acquaintance who gossips. Above all, I have acquired a sense of humour, because there were so many things over which I had either to cry or laugh. And when a woman can joke over her troubles instead of having hysterics, nothing can ever hurt her much again. I do not regret the hardships I have known, because through them I have touched life at every point I have lived. And it was worth the price I had to pay.

Dorothy Dix conquered worry by living in "day-tight" compartments.

I Did Mot Expect To Live To See The Dawn By J.C. Penney [On April 14, 1902, a young man with five hundred dollars in cash and a million dollars in determination opened a drygoods store in Kemmerer, Wyoming-a little mining town of a thousand people, situated on the old covered-wagon trail laid out by the Lewis and Clark Expedition. That young man and his wife lived in a half-storey attic above the store, using a large empty dry-goods box for a table and smaller boxes for chairs. The young wife wrapped her baby in a blanket and let it sleep under a counter while she stood beside it, helping her husband wait on customers. Today the largest chain of dry-goods stores in the world bears that man"s name: the J.C. Penney stores-over sixteen hundred of them covering every state in the Union. I recently had dinner with Mr. Penney, and he told me about the most dramatic moment of his life.]

Years ago, I pa.s.sed through a most trying experience. I was worried and desperate. My worries were not connected in any way whatever with the J. C. Penney Company. That business was solid and thriving; but I personally had made some unwise commitments prior to the crash of 1929. Like many other men, I was blamed for conditions for which I was in no way responsible. I was so hara.s.sed with worries that I couldn"t sleep, and developed an extremely painful ailment known as shingles-a red rash and skin eruptions. I consulted a physician-a man with whom I had gone to high school as a boy in Hamilton, Missouri: Dr. Elmer Eggleston, a staff physician at the Kellogg Sanatorium in Battle Creek, Michigan. Dr. Eggleston put me to bed and warned me that I was a very ill man. A rigid treatment was prescribed. But nothing helped. I got weaker day by day. I was broken nervously and physically, filled with despair, unable to see even a ray of hope. I had nothing to live for. I felt I hadn"t a friend left in the world, that even my family had turned against me. One night, Dr, Eggleston gave me a sedative, but the effect soon wore off and I awoke with an overwhelming conviction that this was my last night of life. Getting out of bed, I wrote farewell letters to my wife and to my son, saying that I did not expect to live to see the dawn.

When I awoke the next morning, I was surprised to find that I was still alive. Going downstairs, I heard singing in a little chapel where devotional exercises were held each morning. I can still remember the hymn they were singing: "G.o.d will take care of you." Going into the chapel, I listened with a weary heart to the singing, the reading of the Scripture lesson, and the prayer. Suddenly-something happened. I can"t explain it. I can only call it a miracle. I felt as if I had been instantly lifted out of the darkness of a dungeon into warm, brilliant sunlight. I felt as if I had been transported from h.e.l.l to paradise. I felt the power of G.o.d as I had never felt it before. I realised then that I alone was responsible for all my troubles. I knew that G.o.d with His love was there to help me. From that day to this, my life has been free from worry. I am seventy-one years old, and the most dramatic and glorious twenty minutes of my life were those I spent in that chapel that morning: "G.o.d will take care of you."

J.C. Penney learned to overcome worry almost instantaneously, because he discovered the one perfect cure.

I Go To The Gym To Punch The Bag Or Take A Hike Outdoors By Colonel Eddie Eagan New York Attorney, Rhodes Scholar Chairman, New York State Athletic Commission Former Olympic Light-Heavyweight Champion of the World When I find myself worrying and mentally going round in endless circles like a camel turning a water wheel in Egypt, a good physical work-out helps me to chase those "blues" away. It may be running or a long hike in the country, or it may be a half-hour of bag punching or squash tennis at the gymnasium. Whichever it is, physical exercise clears my mental outlook. On a week-end I do a lot of physical sport, such as a run around the golf course, a game of paddle tennis, or a ski week-end in the Adirondacks. By my becoming physically tired, my mind gets a rest from legal problems, so that when I return to them, my mind has a new zest and power.