We are poor in character when we think getting by is a substitute for doing our best.

Financial peace of mind is not determined by how much we make, but is dependent upon how much we spend!

Progression and achievement belong to those who have learned to use the opportunity of now. Our strides of today will determine our locations tomorrow.

Being on time to appointments and meetings is a phase of self-discipline and an evidence of self-respect. Punctuality is a courteous compliment the intelligent person pays to his associates.

Difficulties can be a valuable tool in our pursuit of perfection. Adversity need have no necessary connection with failure.

Adversity will surface in every life. How we meet it makes the difference.

Lying damages others. Lying subtly permits us to destroy ourselves as we are caught in the snare and shatter our own self-image and credibility. Freedom from deceit and lying improves self and gives all of us peace of mind.