The Pacific commercial advertiser. [volume] (Honolulu, Hawaiian Islands) 1885-1921, 1900-07-07

mans life. More than all else. perhaps.
/ its use or abuse will determine his sue
/ cess or failure in the field OF manly at
tainment. No matter how splendid may
/ be his Intellectual endowments. how
pleasing his personality, or how satisfy
/ ing his friendships. il he has not the ca
/ pacitt to master his private money af-
/ fairs, he will become their slave and en-
/ ter the struggle for the rewards IF life
/ with annoying handicap always ready
/ to discount the fun force of his best en-
/ deavors.
Owing to the unfortunate fact that
/ many men of superIative genius have
\ been VIGOROUSLY Indifferent TO the condi-
I ton of their personal money affairs il
I has become common thing to regard
1 this slackness concerning things material
[ as inseparable from mental brilliancy.
Nothing could be more absurd. Indeed.
/ strongly is the opposite view enter
! tanned by men of keen observation and
/ of successful business careers, that it
may be asserted with confidence that the
young man who voluntarily and deliber-
ately faces his personal financial prob
| lem gives a striking proof of genuine
moral stamina.
! ALWAYS KNOW eowardice in regard to
JUST WHERE this kind of stock-tak-
/ YOU STAND. ing than is ordinarily
believed. In fact. it
may be stated that. as a general rule
only the wealthy and the very poor are
in the habit of knowing just where they
| stand. The former are apt to possess the
financial instinct in a strong degree. and
this reckoning is, therefore, tempera-
mental IL is calculated. also. to minister
TO personal pride and satisfaction
u on the other hand, so minute are the
affairs of the very poor man that he has
no difficulty in determining at any mo-
I 7ar1r
Between these two extremes is the
great middle-class of moderately prosper
Gus persons. 1t is a large class and
contains many and varied elements. but,
in the main, its members are neither so
poor that the whole scope of their per
sonal finances is indicated by the actual
coin in the FANNY purse, nor are they SO
accustomed TO the system and exactness
which attach to the management of large
enterprises that the trial balance" has
become an established institution a hab-
; IT OF life. Scores of men who apply a
; reasonable degree of system to the maiT
enterprise engaging their attention stoY
short Of the final application and do no.
strike balance in their private affairs
This attitude often arises from timidity
from a hesitation TO face the facts il
their entirety. They are satisfied L
know that this or that venture has don.
T well: but to marshal all their obligation.
l in one column. their assets in another
anu then strike the balance which give.
them absolute knowledge of their posi-
, ton, is act which requires a peculiar
kind of courage on the part OF men OF
certain temperament
vast number OF calamltous failure
might have been prevented had their vic
tins formed the habit, early in life. o
: knowing the exact state and condition o
l their personal finances, and Of maxim,
H-F-s
h periods instead OF waiting until con
n fronted with final disaster Know whe-
: you stand; look your private finances
. squarely in the face. put your world!
. / condition into cold figures" and then ap
portion your expenditures in accordanc
with that showing. This Will prove on
: Of the most wholesome acts of menta
: discipline TO which any young man car
5 possibly subject himself.
e In the prope
y THE CHOICE OF apportionment o
g LIVING QUARTERS. personal expendi
a lures the most i'm
portant problem is that of living quar-
tiers. II one is single, he is general,
N forced to choose between the privat
d clearinghouse, the hotel and the bache
2, Tor apartment. If married, his range o
lie selection is enlarged by the addition O
m the fat.
% There is one sure principle which ma
"A be applied in all matters of this kind
- keep as close to the home as possible Tn
"a young man who does not often-let US sa
daily-come under the refreshing infiU
y ence of a domestic atmosphere MISE
eS from his life a great sustaining force
OF For this reason every young man no
s. able to live in his own home Is fortunat
Z If he can find the nearest approach {
81 one-that is, to become a member of tn
household of private family. His paI
in the family life may be very small
but he is the better by just so much. TIL
daily contact, no matter how meagr
with a home is salutary and often vits
% TO the development of manly characte
n Nothing is more certainly conducive
ee moral disintegration than existence Will
nd out the purifying ozone of a home a
he mosphere. 1t is the vitalizing breath IT,;
on steadies the head and feeds the heart.
IL / checks the tendency to moral laXity, al
~ compels the young man to recognize II
" soundness and wholesomeness of VIII;
III may be termed the common moralities
IN life. A young man making his abode
hS a family home finCs his moral anchorat
re exempt from that strain which usual
tn exists in hotels and public boardin
I houses.
on Bachelor apartments are in gTowiI
ar fashion and favor among young men
- fair incomes. Certainly this mode
householding is not to be indiscriminate
10 condemned; but it lacks that wholesor
1sI and steadying element so vitalizing
rs. morality-genuine home atmosphere. T
on same observation applies with equal
Or not greater, force to life either in hot,
ith or public boarding houses. Better III
yer a place in a family OF very modest Ct
O. cumstances where the true domes
= feeling pervades the atmosphere. than
~ be surrounded by luXuries in a place
pc void OF q home altar. No close observ
an OF the various forms of metropolitan {
istence can escape the conviction III
there is something essentially frivolo
in hotel life. and that this phase OF {
istence fails TO feed the heart. TO NJ
he'd ture the richer faculties, and TO stimuli
a studious application.
His Next TO the =
,nE THE BACHELORS vate boarding HOT
fcb CHAMBERS AND the modern bacl
- THE CITY FLAT Tor apartment
- fers the most co
fort. cheer and seclusion. Intellect
tne and moral growth is practically imp
ois sible without fair degree Of isolati'
rts. Sound mental digestion requires solitu
had and the reason why so many metrop,
20 tan lives are hopelessly shallow and h
self ren is because this element Of isolat
f- ~o-sarsrer7r f-y-fra-fr7 n S-rr-