Maryland independent. [volume] (Port Tobacco, Md.) 1874-current, 1915-12-24
YOU AND YolJR CREDIT.


two things; his good name and his
credit. A good name helps his cred"
and credit helps a good name. de
should value his reputation as bis
choicest possession, and be should
guard his credit equally as well. il
not better than he guards his money.
He cen proiact his good name by
keeping good company, avoiding
questionable places and bad habits 10
genersl. HIS name is what he
chooses to make 1t. He can build
up and protect bis credit by ore
coarse-borrowing and paying SIS he
agrees-,bnyiag Or tina and paying
on time.
The greatest forse in the business
world is credit--ths power to borrow;
to get trusted; to obtain the property
OF another 10 use as our own on a
mere promise to pay. "Crrdit" says
Webster ~hss done more Thousand
times to enrich the nations than all
the MINIS in the world. Credit
pans ilveis, opens mines, builds rail-
r ads. moses commerce and wages
war. Onr whole bnsi;.es structure
rests upon it. For every extension
OF credit there aust be a debt, and
there can be no er dit where their
Is no debt.
Debt is not dishonorable; the abuse
Of credit is. The man who runs in
debt il not business offs asst, but a
sensible man-provided ne uses his
credit Alright There are soms forms
Of debt to be el couraged; there are
others to be avoided
Strange ~ it may seem, ihosa who
Lave operated or The pay .s- you-go
or-don't-go- AT find it difficult when
they must ask FIR credit TIE trou-
Bile is they have done nothing to es-
tabllsh then credit. This is pirticu-
larlv true in large cities where one's
habits are pot well known, but III
smsli places reputation as cash
customer soon gets to be eommon
property. A. any rate it is good
plan Il, deal ga credit f1r the sake IS
the time when you may need accom-
modal on.
/ Ore Of The best known public ac-
couuiauts in New York states that
earl, 10 life h saw TIE time coming
when he would need to borrow, and
concluded To establish his credit be-
fYrehanu.@ He knew Il at if he
borro we'd. and paid promptly, he
would SION have good credit, and
per cent. for credit is cheap. And SO
he opened bank account, got in
favor with his banker, borrowed bui
paid punctually, until he was well
regarded as credit risk.
4 The time came when he needed
money to finance his undertakings
and &c found no iroable in getting
what he wanted, because be had es.
'ab''shed himself as a safe borrower.
Giard your credit as you guard
your health. 1t viii always be 4
loo'i TREND 80 you and never desert
you. Borrov when you mnst, hui
tpay - YOU agree there il no Other
way. Make your word as good as
your bond. Treat your debts as sd
cred obligations. Don't WEIGH on
your business transactions. Pias
the man. Doh't iet the lender do all
the worrying over the debt, do some
yourself. Don't let 1t go at tha., but
worry to a certain fesnt. Don't
think for moment your creditor ha
forgotten your debt, no matter how
I'D We never forgel such things.
When yoa must borrow, do not 60
to your friends, hut find some organ
izsd agency that makes ending a
BUSINESS. fyour propositioh /. good
and you can qualify, you en- get
our loan, and 1t will be cold busi-
ness proposition, satisfactory TO both.
| Next to a good bark account,
good credit is your best friend.---
Guard it as such.