While there are many problems, if one focuses on the bigger picture there are numerous reasons to be thankful for living in a time of remarkable progress and wonderful possibilities for the future.

See the investment world as an ocean and buy where you get the most value for your money. Right now the value is in non-callable bonds. Most bonds are callable so when they start going up in price, the debtor calls them away from you. But the non-callable bonds, especially those non-callable for 25-30 years, can go way up in price if interest rates go way down.

Those who spend too much will eventually be owned by those who are thrifty.

The commitment of giving your best at all times, in all circumstances and under all conditions, can enable you to find value in, and lend value to, every experience.

Taking responsibility nurtures self-confidence, and self-confidence can help you to be a more interesting and attractive person. And best of all, the more you believe in yourself, the more power you possess to attract your good. . . . Those who speak constantly of their right to freedom must understand that an irresponsible act does not bring greater freedom but only greater bondage to the action. One law of life says, "If we are to enjoy freedom, we must accept responsibility." A great awareness is expressed in this statement.

Wherever we are and whatever we are doing, it is possible to learn something that can enrich our lives and the lives of others... No one's education is ever complete.

Happiness pursued eludes, happiness given returns.