The Coconino sun., 1925-02-06

has greater earning power. The
money he works for he makes work I
for him. Thus he has two salaries
one from his position and the other
from his savings and investments. He
has increased self respect and is re-
spected of his fellows. He is master
of his future because he need not be |
slave to the present.
The dreamer dreams, ooh, if
only had a million dollars" The
doer sets out to get a thousand. He
realizes this is the first milestone on
the road to the realization of his am
bitions. With determination, indus
try and economy he proceeds to reach |
it. He saves little at regular in
tervals. Soon he accumulates a sur
plus. He becomes independent. In a
way he is like Napoleon who said,
circumstances! | make circum-
stancesw The doer makes circum-
stances while the dreamer becomes the
victim of them.
You can't produce fortunes from a
hat as magician does rabbits. A
line from Shakespeare tells us that
to climb steep hills requires a slow
pace at first" In a different way
Rockefeller, the worlds second rich
est man, said the same thing to the /
young man who asked him how to
make a million dollars. He said,
First save thousand" We have
two interesting tables at our bank,
one in the window and one in the lob
by which show the power of interest
and illustrate graphically how small
sums regularly saved, can grow to
surprising proportions.
Thrift has deeper significance
than merely the protection and op-
portunities it affords the individual
saver. Upon it is founded the eco
nomic structure of the nation. It's i'm
portance is indicated by the fact that
in the United States alone savings de-
posts exceed fifteen billion dollars.
So it may be seen that while saving
for personal reason, the saver con-
tributes materially to his community's
and country's welfare. Combined
savings are capital. Capital, distri-
buted through the banks in loans, tills
the fields and turns the wheels of in
dustry. To save money is, therefore,
not only a personal advantage, but
the duty of every good citizen.
In the assurance of youth we are
prone to scorn thrift. We are GER
tain we will be gloriously successful
without the necessity of saving money.
Years show the folloy of such an at
titude, for no matter what position
may be attained, no man has ever been
sorry that he saved money. Whatever
you want that money can buy
whether it be higher education, a
start in business, home of your own,
travel, a much-needed vacation or
whatnot-may be purchased on an in
stallment plan by Systematically lay
ing aside a portion of your earnings.
Thrift is the real beginning of sue
cess-a foundation to put under your
castles in the air-the magic wand
that makes dreams come true. Be-
tween the covers of bank book every
healthy ambitious young person looks
to find the elimination Of his hopes
and ambitions.
A few days ago there occurred the
anniversary Of the birth of man
who, in addition to his many other
services to his country, did more than
any other figure in American history
to further thrift. Benjamin Franklin
was born in Boston on January II,
1706, two hundred and nineteen years
ago. He edited his "Poor Richards
Almanac" for twenty-five years. Many
of its worldly wise sayings are still
quoted daily. You have often heard
the following:
Poor Richard says, A light purse
is heavy curse" "God helps them
that help themselves" Beware Of
little expenses; small leak will sink
a big ship" "For age and want save
while you may; no morning sun lasts
the whole day." "When the well is
dry we know the worth of water"
And l am very sure that if Poor
Richard were here today speaking on
his favorite subject instead of me, he
being very wise man, would realize
when he had said quite enough and
would, ere this, have discreetly bade
you good day and sat down. | can do
no better than follow that example.
So, as am sure Poor Richard would
say, | am glad to have been here with
you this morning. Thank you. Good
day.
nEp PTMENT OF THE INTERIOR