There is no substitute for hard work. There is no such thing as overnight success or easy money.

There is no such thing as overnight success or easy money. If you fail, do not be discouraged; try again. When you do well, do not change your ways. Success is not just good luck: it is a combination of hard work, good credit standing, opportunity, readiness and timing. Success will not last if you do not take care of it.

You have to have a dream, whether big or small. Then plan, focus, work hard and be very determined to achieve your goals.

I started with shoes, and with hard work and discipline, the business prospered. I moved to the department store business and again, things went well.

There is no substitute for hard work. There is no such thing as overnight success or easy money.

My basic strategy is to stick to my core business, and to my area of expertise. My businesses are all related - retail, shopping centers, banking, real estate and tourism development. Together they create synergy.

I have always believed that if we do well, we must also do something to help others in society.