,,pla9 ,,facts   ,,practical ,,education
  ,,f9anci]+  ,,common ,,s5se     ,!    
sev]al %ort articles h]e9 conta9$ 7 fir/
 writt5 & publi%$ tw5ty-five ye>s ago z 
an expression ( ! writ]'s convictions4  
,hav+ come to ! conclusion t conditions1
 9 _m respects1 h n improv$--9 fact h   
become m al>m+2 & 9 consequ5ce ! future 
outlook 9 ^! mo/ /r5u\s & extravagant   
times m unc]ta91 ! writ] 0 prompt$ to   
incorporate ^! ideals 9 a booklet &     
d$icate ! same to 8 y\ng] fri5ds4  ,g4  
,a4 ,,bauman1   ,qu9cy1 ,ill9ois4       
,july1 #aiba4     ,look$ at ,f a        
,practical ,/&po9t  ,x is ! "y man & "y 
woman ( to-day1 ) a practical education1
 :o w adorn our be/ homes ( ! future4   
,x is ! manag] & ! f9anci] :o is !      
practical "o4  ,x is ! "y man ) good    
habits :o has a bank acc\nt1 :o %[s     
evid5ce ( becom+ a f9anci]4  ,x is ! "y 
woman :o tra9s h]self ) ! duties (      
home-"w1 t w become a manag]4  ,x is !  
obs]v+1 ! prud5t1 :o w be ! practical   
"o4  ,! majority ( our "y fri5ds (      

to-day are beg9n+ at ! wrong end4       
,in/ead ( beg9n+ at ! bottom & tra9+    
!mselves = ! future1 !reby mak+         
accumulations by /eadily & pati5tly     
adh]+ to "o pr9ciple1 nev] deviat+      
tru?fully & hone/ly f ! "o purpose1 & 9 
addition e/abli%+ a good "*1 !y beg91 z 
x 71 at ! top1 ) ideas t are only       
acquir$ by lack ( prop] tra9+1 & 9 c\rse
 ( "t f9d !mselves :]e !y %\ld h begun  
ye>s be=e4  ,:at a "y man neglects be=e 
8 ?irtie? bir?day1 he c nev] r$eem4  ,x 
is ! e>ly doll> sav$ t is ! valuable "o 
9 lat] ye>s1 & ! e>li] "o beg9s1 ! soon]
 he w h a f9ancial /&+4  ,! doll>       
judici\sly inve/$ at ! age ( tw5ty1 w h 
accumulat$ at ! age ( sixty1 ab\t sixte5
 doll>s1 :]eas ! doll> inve/$ 9 l mann] 
at ! age ( ?irty w h accumulat$ at ! age
 ( sixty only ab\t eight doll>s4  ,! mo/
 important ?+ to be atta9$1 :ile /riv+ =
 true & successful aspirations1 w be an 
e/abli%$ record1 :i* is wor? f> m ?an   
weal?4  ,a "y man ) a record is a       
graduate ( practical tra9+ & is s\ght = 

ev]y:]e4  ,!re is pl5ty ( room at ! top4
  ,! dem& is gr[+1 ev5 9 ^! /r+5t times4
  ,^! self-made "y m5 & "y wom5 are n z 
a rule among our s-call$ society p4     
,society enc\rages extravagance &       
dissipation1 & t means ru91 m or less1  
soon] or lat]1 morally1 physically &    
f9ancially4  ,:5 a "y c\ple />t out 9   
life toge!r & !y d really love ea* o!r  
s9c]ely1 !re is "o o!r ?+1 next to good 
heal?1 t is necess>y 9 c>ry+            
responsibilities = a cont9u\sly happy   
life1 & t is good f9anci]+4  ,)\t t     
quality1 love w soon fade away &        
disagreem5ts foll[4  ,:at causes s _m   
divorce suits8  ,bad f9anci]+4  ,"s (   
bur be/ & brighte/ citiz5s are among our
 mo/ ineffici5t manag]s1 & consequ5tly h
 difficulties to battle ) dur+ life4    
,!re=e good managem5t & sav+ qualities1 
toge!r ) good "*1 are ! ess5tial po9ts  
to be obs]v$ by "y m5 & wom51 equally   
well by husb& & wife1 9 ord] to ma9ta9  
prosp]ity & cont5tm5t4   ,novemb]1      
#ahic4     ,f9anci]+  ,x is a "q n s    

important h[ to save1 z h[ to promote ! 
gr[? ( y\r sav+s4  ,x is sometimes an   
easy matt] to "k h[ to make money1 b    
kn[+ h[ to keep x & especially h[ to    
place x :]e x w e>n ! mo/1 consi/5t )   
its safe keep+1 is a matt] t ne$s c>eful
 consid]ation4  ,h[ _m a h>d-e>n$ doll> 
f9ds its way into "s vision>y s*eme2 is 
inve/$ 9 "s fictiti\s1 widely adv]tis$  
ent]prise1 ) ag5ts on e h& (f]+ gl>+    
pr(its4  ,bew>e ( su* f9anci]+4  ,did y 
ev] he> any ( our old successful        
f9anci]s div]t+ _! idle surplus into ^? 
inve/m5ts :]e almo/ unlimit$ pr(its are 
assur$8  ,! successful accumulator is n 
will+ to take su* *ances4  ,!y look too 
flatt]+4  ,y _c & %\ld n expect some?+ =
 no?+4  ,seek ! be/1 & if x sometimes   
appe>s co/ly1 x w always prove *eape/ 9 
! end4  ,! really judici\s inve/or does 
n expect ! highe/ rate ( int]e/1 z he is
 aim+ to get gilt-edg$ securities4      
,securities ) ! l>ge/ m>g9s are         
naturally entitl$ to consid]ation & a   
l[] rate4  ,! sav+s bank %\ld only be ! 

prim>y dep>tm5t 9 accumulat+4  ,! mom5t 
a sav+s acc\nt has gr[n to a suffici5t  
proportion1 ! prud5t "o w seek a l>g]   
field 9 ord] to reap ! b5efit ( a m     
pr(itable & saf] inve/m5t4  ,b !n ! "q w
 arise3 ,:at is ! c\rse to pursue = "o n
 hav+ _h previ\s exp]i5ce 9 su*         
cons]vative precautions8  ,z ! speciali/
 makes a specialty ( a c]ta9 k9d (      
practice1 s does ! exp]t inve/or make a 
specialty ( plac+ money on c]ta9 k9ds ( 
securities1 & z confid5ce is ! mo/      
important factor 9 ?is comm]cial _w1    
c>eful inquiry & inve/igation z to !    
reputation & me?od ( su* a speciali/1   
%\ld prove relief to ?is w\ld-be inve/or
 ( all anxiety & worry 9 plac+ 8 idle   
money to ! be/ advantage4  ,?9k         
prud5tly1 act judici\sly1 place y\r     
confid5ce accord+ly1 & y\r success      
f9ancially w be assur$4   ,novemb]1     
#ahid4     ,common ,s5se  ,common s5se  
is ! only true promot] ( mank9d & yet h[
 few ( our pres5t g5]ation /rive to     
obta9 ! k4  ,our boys & girls may h _h  

_! prop] beg9n+ at s*ool1 9 due "t      
successfully pass$ ! usual graduation   
ex]cises1 & "s m may h receiv$ a co/ly  
c\rse at college1 yet ^? hav+ be5       
depriv$ ( ! mo/ important in/ruction /& 
be=e ! _w z helpless z 9 _! beg9n+4  ,to
 le>n to "w is ! f\ndation 9 con/ruct+ !
 k ( common s5se4  ,kn[+ h[ to "w &     
especially ) ^? :o 7 taught to d x )    
pleasure1 nev] falt]+ nor compla9+1     
simply accompli%+ _! daily task 9 a     
sy/ematic mann] w succe$4  ,a successful
 s*ool or college tra9+ %\ld only be    
consid]$ z a %>p5$ tool to be bett]     
equipp$ 9 apply+ ?is common s5se4  ,at  
home is ! place :]e ! *ild %\ld be      
taught to d little ?+s & z x gr[s old] &
 :ile att5d+ s*ool1 ! importance (      
accompli%+ bigg] ?+s %\ld be impress$ f 
"t to "t4  ,e p>5t :o neglects to tea* 8
 *ild to "w is robb+ x ( its bir?right4 
,!re %\ld be "t = "w & "t = play1 b z ! 
=m] is usually out ( ! "q1 t v mom5t our
 %\ld-be-home in/ructors are guilty (   
moral crime4  ,"w /r5g!ns ! body z well 

z ! m9d & a useful ex]cise %\ld be ! mo/
 pref]able "o4  ,if y wi% to re> a good 
boy1 tea* him h[ to "w4  ,if y wi% y\r  
son to become an ideal "y man1 prea* to 
him t ! mo/ valuable "t lo/1 is1 :5 he  
is neglect+ to build up 8 /orage (      
common s5se4  ,plod along quietly1 b )  
det]m9ation4  ,promotion w surely foll[4
  ,we are none ( u p]fect2 try to d "r z
 ne>ly z y possibly c & y w pr(it4  ,to 
neglect means disappo9tm5ts4  ,if y wi% 
to br+ up a good girl1 tea* h] to be    
useful4  ,if y wi% to be ! possessor ( a
 model daught]1 tea* h] ! value ( "w2   
all o!r accompli%m5ts %\ld be subord9ate
 issues1 b are v comm5dable features if 
connect$ ) common s5se ideas4  ,common  
s5se %\ld be ! fir/ pr9ciple 9 ! make-up
 ( a "y woman1 & x is only obta9$ :ile  
le>n+ ! rudim5ts & duties to manage a   
home2 & a home ( cont5tm5t is only :]e  
su* a supreme be+1 commonly call$ wife1 
pr$om9ates4  ,tea* y\r daught]s to be   
des]v+1 h !m le>n to appreciate1 to be  
s9c]e & y w enc\rage a bett] class ( "y 

m54  ,let !m gr[ up 9 idl5ess1 tea* !m  
to despise labor1 let !m dep5d ^u       
someone = a cont9u\sly happy "t1 & y w  
cultivate ! good-=-no?+ "y man4  ,d n   
let !m expect to m>ry a wor?y man unless
 !y %[ !mselves to be wor?y4  ,! laws ( 
nature w n p]mit o!rwise4  ,honor ! man 
( toil4  ,to snub him %[s ignorance &   
bad bre$+4  ,nei!r good looks nor =tune 
%\ld figure z a draw+ c>d4 ,no?+ b      
virtues embodi$ 9 ! k ( common s5se w   
conqu]4    ,virtue prevails   ,:]e      
beauty fails4   ,nor w ri*es easily won 
ma9ta9 com=ts & satisfaction :i* only   
true m]it w rew>d4  ,to be occupi$      
enc\rages heal? & ?rift2 )              
self-d5ial--self-respect & happ9ess4    
,to be idle invites ills ( _m k9ds2 x   
bre$s discont5t1 eng5d]s pov]ty & br+s  
mis]y--& z ! :eels ( comm]ce are        
cont9u\sly turn+ ar\nd1 ! ri* becom+    
poor & ! poor becom+ ri*1 ! importance (
 acquir+ ! k ( common s5se %\ld n be s  
woefully neglect$4  ,try n to accumulate
 weal?1 b ex]t y\r tal5ts 9 promot+ y\r 

*ildr5 to become self-reliant & y w h   
end[$ a legacy :i* means m ?an untold   
=tunes to !m1 a consolation to ! p>5t & 
a bless+ to ! community at l>ge4  ,!    
poore/ boys & girls 9 ! _w are ^? n     
taught to "w4  ,illu/ration3 signature (
 ,g4 ,a4 ,bauman  ,octob]1 #ahig4