The key factor that will determine your financial future is not the economy; the key factor is your philosophy.

We must risk going too far to discover just how far we can go.

Help another and you will be the one who benefits most

The word "tip" stands for "to insure promptness." So when should you give it? Up front,of course. Sophisticated people don't take chances on poor service, they insure good service.

There are always a half-dozen things that make 80%of the difference. Only SIX things!

Make rest a necessity, not an objective. Only rest long enough to gather strength.

You cannot speak that which you do not know. You cannot share that which you do not feel. You cannot translate that which you do not have.