The salutation, says a French writer, is the touchstone of good breeding. According to circumstances, it should be respectful, cordial, civil, affectionate or familiar: an inclination of the head, a gesture with the hand, the touching or doffing of the hat.

If you remove your hat you need not at the same time bend the dorsal vertebr’ of your body, unless you wish to be very reverential, as in saluting a bishop.

If an individual of the lowest rank, or without any rank at all, takes off his hat to you, you should do the same in return. A bow, says La Fontaine, is a note drawn at sight. If you acknowledge it, you must pay the full amount. The two best-bred men in England, Charles the Second and George the Fourth, never failed to take off their hats to the meanest of their subjects.

If you have anything to say to any one in the street however intimate you may be, do not stop the person, but turn round and walk in company; you can take leave at the end of the street.

If there is any one of your acquaintance, with whom you have a difference, do not avoid looking at him, unless from the nature of things the quarrel is necessarily for life. It is almost always better to bow with cold civility, though without speaking.

Good sense and convenience are the foundations of good breeding; and it is assuredly vastly more reasonable and more agreeable to enjoy a passing gratification, when no sequent evil is to be apprehended, than to be rendered uncomfortable by an ill-founded pride. It is therefore better to carry on an easy and civil conversation. A snuff-box, or some polite accommodation rendered, may serve for an opening. Talk only about generalities, the play, the roads, the weather. Avoid speaking of persons or politics, for, if the individual is of the opposite party to yourself, you will be engaged in a controversy: if he holds the same opinions, you will be overwhelmed with a flood of vulgar intelligence, which may soil your mind. Be reservedly civil while the colloquy lasts, and let the acquaintance cease with the occasion.

“Don’t put all of your eggs in one basket!” You’ve probably heard that over and over again throughout your life?and when it comes to investing, it is very true. Diversification is the key to successful investing. All successful investors build portfolios that are widely diversified, and you should too!

Diversifying your investments might include purchasing various stocks in many different industries. It may include purchasing bonds, investing in money market accounts, or even in some real property. The key is to invest in several different areas ? not just one.

Over time, research has shown that investors who have diversified portfolios usually see more consistent and stable returns on their investments than those who just invest in one thing. By investing in several different markets, you will actually be at less risk also.

For instance, if you have invested all of your money in one stock, and that stock takes a significant plunge, you will most likely find that you have lost all of your money. On the other hand, if you have invested in ten different stocks, and nine are doing well while one plunges, you are still in reasonably good shape.

A good diversification will usually include stocks, bonds, real property, and cash. It may take time to diversify your portfolio. Depending on how much you have to initially invest, you may have to start with one type of investment, and invest in other areas as time goes by.

This is okay, but if you can divide your initial investment funds among various types of investments, you will find that you have a lower risk of losing your money, and over time, you will see better returns.

Experts also suggest that you spread your investment money evenly among your investments. In other words, if you start with $100,000 to invest, invest $25,000 in stocks, $25,000 in real property, $25,000 in bonds, and put $25,000 in an interest bearing savings account.

FIRST LAW: Relation of Power to “Tone”. The effectiveness of magnetism in action depends upon harmony of “tone” between its possessor and any other person, and in securing such “tone” harmony, on any magnetic plane, in any particular psychic state, at any given time, psychic and physical magnetism mutually cooperate.

SECOND LAW: Magnetic Intention. The magnetic intention (”I INTEND MAGNETICALLY”) intensifies otherwise unconscious magnetism, and runs through all the mass of general etheric vibrations like a theme in complicated music, imparting to them unity, character, intelligence, and definite and enormous effectiveness in practical employment.

THIRD LAW: Influence of Purpose. In the employment of magnetism, long-run purpose establishes etheric character, and specialized purpose confirms that character if it concentrates the general purpose, but confuses that character, perhaps destroys it, if it antagonizes the general purpose.

FOURTH LAW: Force of the Ideal. Idealism of motive determines the character of etheric vibrations, and idealism of magnetic activities determines the quality of magnetism achieved.

FIFTH LAW: Sway of Other Interest. The general sway of other interest in life, and the particular influence of other interest on special occasions, impart to uses of magnetism enormous effectiveness, and not least in relation to self.

SIXTH LAW: Reaction of Admiration. The consciousness of admiration for others, recognized by them, reacts with tremendous power to stimulate magnetic action.

SEVENTH LAW: Measure of the Intake. In the magnetic life, intake of power is correctly measured by output of power: inversely in waste, directly in intelligent expenditure.

EIGHTH LAW: Adjustment. Magnetic effectiveness is proportioned to accuracy and fulness of adjustment, to things, to laws, to forces, to times, to situations, to qualities, to facts, to truths, to persons, and only studied experience can discover and establish such adjustment.

The problems of adjustment to persons are these:

With inferiors, to put self magnetically, without appearance of condescension, on their levels for the end in view, applying then the general principles of magnetism.

With equals, to apply the general principles.

With superiors, to assume their level while magnetically deferring, without adulation or humility, to such superiority, regardless of its reality or unreality, for the end in view, applying the general principles of magnetism.

NINTH LAW: The magnetism of identity. The magnetic value of adjustment expresses the force and completeness with which the individual can identify himself with another person, suggesting oneness through attitude, gesture, act, eye, tone, language, and telepathic sympathy.

TENTH LAW: The use of reactions. Magnetic skill exhibits in the manner in which beneficial reactions are received and utilized, negative or indifferent reactions are ostensibly ignored, yet constituted stimulation for further persistent magnetic action, and hostile reactions are refused, without ostentation, but with determination (if worth while) to “win out” through better adjustment and increased magnetic endeavor.

ELEVENTH LAW: Magnetic attack. Magnetic success demands the direct attack when etheric harmony of “tone” is assured, but the indirect method otherwise; that is, such attack-methods as will secure that harmony.

TWELFTH LAW: The conquest of antagonism. Magnetism ostensibly ognores, and refrains from, exciting antagonism; but, when antagonism is evident, rejects it and proceeds on the indirect attack, or openly accepts it and adopts the direct or the indirect method as the one or the other promises speediest and most perfect harmony of “tone”.

THIRTEENTH LAW: Mortal antipathies. Success-Magnetism conquers the influence of deep-seated natural antipathies only by avoiding their causes.

FOURTEENTH LAW: Re-adjustment. The etheric life is unceasing reaction, and magnetism, therefore, demonstrates itself by squaring with every issue and making of every change and every defeat a new opportunity.

FIFTEENTH LAW: Control of output. It is an important to know when to open the circuit that is, to cut off the current of magnetic force as it is to know when to close the circuit to pour forth magnetic influences.

SIXTEENTH LAW: Concession. Concession becomes magnetic in its timeliness. If premature or belated, it defeats magnetism.

SEVENTEENTH LAW: Harmonic conditions. Magnetism enhances through beauty of personal surroundings, in cleanliness, order, adornment, art, literature, music, and the like.

EIGHTEENTH LAW: Sovereignty of will. is the director of native and unconscious magnetism and the creator and director of developed magnetism. Power of will is indispensable to magnetic power.

NINETEENTH LAW: Energy in magnetic action. The projection of magnetic influence proportions to inner, conscious intensity of psychic and nervous states. Exploding powder in the gun calls for the man behind the weapon, and the soul within the man, and powerful vibrations within the soul’s arena, and magnetic intention within the vibrations, and psychic energy within the intention.

TWENTIETH LAW: Self-control. Magnetic power becomes effective precisely as mastery of self, in restraint and in handling, approaches perfection.

TWENTY-FIRST LAW: Magnetic handling of self. The attitude of magnetism, the magnetic intention and psychic pose, “I stand positively magnetic toward this person or this situation,” constantly maintained, ultimately instructs in all the arts of magnetic self-handling through the law of auto-suggestion, and realizes in practical form its own ideals.

TWENTY-SECOND LAW: The magnetic mask. The mask of magnetism achieves effectiveness when it covers personal states and purposes in a manner positively to attract, and in that manner alone.

TWENTY-THIRD LAW: Magnetic consciousness. Intense magnetic consciousness without thought concerning it secures, by its uplifting and stimulating influence, the greatest exaltation of personal powers when employed.

TWENTY-FOURTH LAW: Magnetic faith. A deep and vital faith in the certainty of magnetic success renders all latent and developed magnetism dynamic, if that faith is thrown into action.

TWENTY-FIFTH LAW: The demand in use. In the application of magnetism to any task, intense, persistent demand upon the Universal Forces swings them directly into the effort.

TWENTY-SIXTH LAW: The affirmation in use. When, in the application of magnetism, one affirms, mentally, intensely, persistently, “I am receiving and exerting power,” he unconsciously calls to aid all the success-elements and makes himself a center toward which the Universal Forces inevitably gravitate.

TWENTY-SEVENTH LAW: The magnetic telescope. The magnetic attitudes, faith, demand and affirmation, constitute a magnetic telescope through which the distant goal of success is magnified and all nearer obstacles, lures and irritating conditions are closed out of view.

TWENTY-EIGHTH LAW: Magnetic accumulations. Magnetism, through correct application to life, not only develops in the individual, but accumulates in his environment, and reacts beneficially without direct personal supervision.

TWENTY-NINTH LAW: The personal atmosphere. The personal atmosphere exactly reflects the inner self, and it furnishes a perfect field for magnetic effectiveness only when the self and the body are clean and buoyantly healthy.

THIRTIETH LAW: Subordination of physical magnetism. In the subordination of physical to psychic magnetism, each finds its greatest effectiveness according to the relative development of both orders.

THIRTY-FIRST LAW: The fixed idea. Long-continued association with some fixed, great and attractive idea sets into operation certain deep, subconscious operations of the soul, which, for a time unrecognized and unmanifest in life, gradually and surely coordinate all individual powers thereto, induce a working of the whole system in harmony therewith, and finally emerge in the objective life and consciousness as a unified, actual dynamic force. The idea has swung the individual, has transformed him, has harmonized and intensified his faculties and his personal ether, has come to sovereignty in his personal atmosphere, and from there exerts a dynamic force upon other people and life’s conditions.

This Article has tried to saturate you with the idea of success coordinating with its necessary elements, and has thus endeavored to swing your whole being into mighty belief that large success is also for you.

Investing has become increasingly important over the years, as the future of social security benefits becomes unknown.

People want to insure their futures, and they know that if they are depending on Social Security benefits, and in some cases retirement plans, that they may be in for a rude awakening when they no longer have the ability to earn a steady income. Investing is the answer to the unknowns of the future.

You may have been saving money in a low interest savings account over the years. Now, you want to see that money grow at a faster pace. Perhaps you’ve inherited money or realized some other type of windfall, and you need a way to make that money grow. Again, investing is the answer.

Investing is also a way of attaining the things that you want, such as a new home, a college education for your children, or expensive ‘toys.’ Of course, your financial goals will determine what type of investing you do.

If you want or need to make a lot of money fast, you would be more interested in higher risk investing, which will give you a larger return in a shorter amount of time. If you are saving for something in the far off future, such as retirement, you would want to make safer investments that grow over a longer period of time.

The overall purpose in investing is to create wealth and security, over a period of time. It is important to remember that you will not always be able to earn an income? you will eventually want to retire.

You also cannot count on the social security system to do what you expect it to do. As we have seen with Enron, you also cannot necessarily depend on your company’s retirement plan either. So, again, investing is the key to insuring your own financial future, but you must make smart investments!