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Foreword   Some two thousand years ago the greatest teacher who ever walked the earth advised the people of Judea not to build their houses on the sand. What he had in mind was that they were looking too much to the structure above ground, and too little to the spiritual forces which must be the foundation of any structure which is to stand. Following the war we enjoyed the greatest prosperity this country has ever witnessed;—the... more...

Capital and Interest. My object in this treatise is to examine into the real nature of the Interest of Capital, for the purpose of proving that it is lawful, and explaining why it should be perpetual. This may appear singular, and yet, I confess, I am more afraid of being too plain than too obscure. I am afraid I may weary the reader by a series of mere truisms. But it is no easy matter to avoid this danger, when the facts with which we have to... more...

CREATING CAPITAL MONEY-MAKING AS AN AIM IN BUSINESS The object of this paper is to discuss money-making; to examine its prevalence as an aim among people generally and the moral standards which obtain among those who consciously seek to make money. The desire to make money is common to most men. Stronger or weaker, in some degree it is present in the mind of nearly every one. Now, how far does this desire grow to be an aim or object in our... more...

I. COMMERCIAL TERMS AND USAGES   HERE is a distinction between the usage of the names commerce and business. The interchange of products and manufactured articles between countries, or even between different sections of the same country, is usually referred to as commerce. The term business refers more particularly to our dealings at home—that is, in our own town or city. Sometimes this name is used in connection with a particular... more...

I was born near Ottawa, Illinois, January 6th, 1852, of Scotch-Irish descent. My great-great-grandfather Johnston was a Presbyterian clergyman, who graduated from the University of Edinburg, Scotland. My mother's name was Finch. The family originally came from New England and were typical Yankees as far as I have been able to trace them. My father, whose full name I bear, died six months previous to my birth. When two years of age my mother was... more...


CHAPTER I. INDUSTRY. "Not what I have, but what I do, is my kingdom."—Carlyle. "Productive industry is the only capital which enriches a people, and spreads national prosperity and well-being. In all labour there is profit, says Solomon. What is the science of Political Economy, but a dull sermon on this text?"—Samuel Laing. "God provides the good things of the world to serve the needs of nature, by the labours of the ploughman,... more...

CHAPTER I—INTRODUCTORY Section 1. In any attempt to formulate principles for use in the settlement of wage disputes, past experience furnishes much guidance. What this experience consists of.—Section 2. Such principles as have been used in the settlement of wage disputes have usually resulted from compromise; reason and economic analysis have usually been secondary factors. However, industrial peace cannot be secured by a recurrent... more...

PREFACE. Twenty years ago, there was no lovelier piece of lowland scenery in South England, nor any more pathetic in the world, by its expression of sweet human character and life, than that immediately bordering on the sources of the Wandle, and including the lower moors of Addington, and the villages of Beddington and Carshalton, with all their pools and streams. No clearer or diviner waters ever sang with constant lips of the hand which... more...

For a special purpose, I have had occasion to examine with care the comments upon American life and institutions made by foreign critics during the period that extends from the later part of the eighteenth century up to the present time. If one puts aside the frivolous and ill-tempered studies and considers alone the fairer and more competent observers, the least pleasant of all the criticisms is that we are essentially a lawless people. If the... more...

Newspaper advertising is to business, what hands are to a clock. It is a direct and certain means of letting the public know what you are doing. In these days of intense and vigilant commercial contest, a dealer who does not advertise is like a clock that has no hands. He has no way of recording his movements. He can no more expect a twentieth century success with nineteenth century methods, than he can wear the same sized shoes as a man, which... more...