1. UNCONTROLLED DESIRE FOR “SOMETHING FOR NOTHING”.

The gambling instinct drives millions of people to failure. Evidence of this may be found in a study of the Wall

Street crash of ‘29, during which millions of people tried to make money by gambling on stock margins.

2. LACK OF A WELL DEFINED POWER OF DECISION. Men who succeed reach decisions promptly, and change them, very slowly.

Men who fail, make  decisions, if at all, very slowly, and change them very often, and quickly. Indecision and procrastination are twin brothers.

Where one is found, the other may usually be found also. Kill off this pair before they completely “hog-tie” you to the treadmill of FAILURE.
3. WRONG SELECTION OF A MATE IN MARRIAGE. This a most common cause of failure. The relationship of  marriage brings people intimately into contact.

Unless this relationship is harmonious, failure is likely to follow. Moreover, misery and unhappiness, destroys  all signs of AMBITION.
4. OVER-CAUTION. The person who takes no chances, generally has to take whatever is left when others are through choosing. Over-caution is as bad as under-caution.

Both are extremes to be guarded against. Life itself is filled with the element of chance.
5. WRONG SELECTION OF ASSOCIATES IN BUSINESS. This is one of the most common causes of failure in business. In marketing personal services, one should use great
care to select an employer who will be an inspiration, and who is, himself, intelligent and successful. We copy those with whom we associate most closely.

Pick an employer who is worth  to be followed.
6. SUPERSTITION AND PREJUDICE. Superstition is a form of fear. It is also a sign of ignorance. Men who succeed keep open minds and are afraid of nothing.
7. WRONG SELECTION OF A VOCATION. No man can succeed in a line of endeavor which he does not like. The most essential step in the marketing of personal
services is that of selecting an occupation into which you can throw yourself wholeheartedly.
8. LACK OF CONCENTRATION OF EFFORT. The “jack-of-all-trades” seldom is good at any. Concentrate all of your efforts on one  and most important  goal.
9. THE HABIT OF INDISCRIMINATE SPENDING. The spend-thrift cannot succeed, mainly because he stands eternally in FEAR OF POVERTY.

Form the habit of systematic saving byputting aside a definite percentage of your income. Money in the bank gives one a very safe foundation of COURAGE when bargaining
for the sale of personal services. Without money, you must take what  is offered, and be glad to get it.
10. LACK OF ENTHUSIASM. Without enthusiasm you cannot be convincing. Moreover, enthusiasm is contagious, and the person who has it, under control,

is generally welcome in any group of people.