Looked at From a Practical Standpoint
It is the young man and young woman of to-day, with a practical education, who will adorn our best homes of the future.
It is the manager and the financier who is the practical one.
It is the young man with good habits who has a bank account, who shows evidence of becoming a financier.
It is the young woman who trains herself with the duties of home-work, that will become a manager.
It is the observing, the prudent, who will be the practical one.
The majority of our young friends of to-day are beginning at the wrong end. Instead of beginning at the bottom and training themselves for the future, thereby making accumulations by steadily and patiently adhering to one principle, never deviating truthfully and honestly from the one purpose, and in addition establishing a good character, they begin, as it were, at the top, with ideas that are only acquired by lack of proper training, and in course of time find themselves where they should have begun years before.
What a young man neglects before his thirtieth birthday, he can never redeem.
It is the early dollar saved that is the valuable one in later years, and the earlier one begins, the sooner he will have a financial standing.
The dollar judiciously invested at the age of twenty, will have accumulated at the age of sixty, about sixteen dollars, whereas the dollar invested in like manner at the age of thirty will have accumulated at the age of sixty only about eight dollars.
The most important thing to be attained, while striving for true and successful aspirations, will be an established record, which is worth far more than wealth. A young man with a record is a graduate of practical training and is sought for everywhere. There is plenty of room at the top. The demand is growing, even in these stringent times.
These self-made young men and young women are not as a rule among our so-called society people. Society encourages extravagance and d
Plain Facts is basically a pamphlet of good advice on the Puritan work ethic and money first compiled by Bauman in 1921 from pamphlets he had published in1993, 1894, and 1897.
The result is the only legacy G. A. Bauman has left the world summed up in 15 pages of pithy advice where the Gutenberg Project license and information dwarfs the work in sheer content. TPersonal Finance (the word Bauman uses is "Financiering"), and Common Sense.
For students of self help literature and works on life management, there is nothing earth shattering in this short work, but I doubt if any reader can read it without the ironic knowledge that if the U.S. Government had followed this old common sense, we would not presently be in an economy in such serious transition.
C. Alan Loewen
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