Perrysburg journal. (Perrysburg, Wood Co., O. [Ohio]) 186?-1965, 1891-08-01
WITHOUT CAPITAL.
How the Refusal Of a Loan Led
to Success,

to Success,
SIN spite of everything can do, / am
still penniless," and Ralph Gorden
buried his face in his hands.
Ralph had sense, but he lacked capi-
tai. Capital and he would have been
an assured success. For this purpose
he would consult Mr.. Horten, the
banker.
Good evening, Ralph" said the
elderly gentleman, looking over his
gold bowed glasses and exhibiting a
very cordial and patronizing manner.
Ralph was always respectful, and If
you will study his career you will read
lily perceive how important n part po-
liteness played in his social and busi-
ness relations.
81 wish to engage in business"
"Have you capital?"
mo, sir; but"
"Ahp'
"If could secure loan from you l
could amass for"
81 beg your pardon. 1 never lend
money without real estate security"
The answer was decisive.
"First failures have been the sue
cesses of many, Ralph. Go try"
Ralph was not discouraged. But on
the following morning, when the sun
rose in his old time glory, the birds
sang their wild familiar songs and
business resumed its wonted clamor,
he took little note as he hurried along
the leading thoroughfare of the city.
"Will you lend me one thousand dol
lars to set myself up in business?" he
inquired of Mr.. Simpson, one of the
prominent men of the place.
What security?"
"None. want it as favor"
Would be glad to accommodate you,
Mr.. Gorden, but business men don't do
business in that way"
Receiving this all kindly, he sailed
out and entered the private family of
an esteemed friend.
"Mr. Garten, can negotiate a loan
of one thousand dollars?"
"For your sake l must refuse"
Ralph was turning; yet, notice that
remained inviolate. If he possessed no
capital, he had suavity and forbear-
ance in happy abundance.
BE seated, Ralph" continued this
practical man, land will endeavor to
show you how / am your friend in
not being your friend. That sounds a
trifle paradoxical But, listen, for
you are in no hurry. If you are in
a hurry you will not succeed anyway.
From what have heard and seen my
self you appear to have an abnormal
feeling that you cannot succeed unless
you have capital Now, if you will in
vestigate tho matter statistically you
will find that nine hundred and ninety
men out of every thousand who have
made success of business had abso-
lutely nothing to start with"
"Yes, SIR"
"And if you will take the trouble to
pursue your investigation you will fine
that n large percentage of business
failures are directly traceable to toe
much assistance at the start"
Ralph Gorden was meeting new sur
prises.
Now for your own benefit, 1 viii
not lend you a red cent"
Ralph's countenance fell. And yet
he had sufficient sense to understand
that all the advice received emanateC
from the l1indest business motives.
"But Ralph, I'll tell you what will
do. You strike right out in some direc
tion, and if you fail, after an homes
trial, you will not be compelled to re
pay an old debt"
by George, that's sol"
"And, furthermore, will make this
proposition. If you will succeed with
out capital, will give you one thousant
dollarsp
Ralph was dumfounded.
81 believe you are right" and Ralpl
returned to the street.
On his way through the chief place
of business, he said to himself:
"Wonder how all these men becam
80 rich!" He hesitated. 81 will asl
them"
He know Bangs, Barton & Co.
81 beg your pardon, gentlemen; ma.
i ask you how you became so richP"
by being penniless at the start!"
He also knew the firm of Aldrich
Page &c Co., by reputation.
"What made you so rich, gentle
men?"
SPY being poor ut the start, and no
cents worth OF credit"
Walker & Co. had just failed; an
for the matter of that they had bee
partial failures all along. They ha
had plenty of money to start with.
$50, so," and Ralph walked thought
fully along. "Then am the capital
Ipi and returning home, he rolled II