Money is in some respects like fire; it is a very excellent servant but a terrible master.

The orthodox faith painted God as a revengeful being, and yet people talk about loving such a being.

True economy consists in always making the income exceed the out-go. Wear the old clothes a little longer if necessary; dispense with the new pair of gloves; mend the old dress: live on plainer food if need be; so that, under all circumstances, unless some unforeseen accident occurs, there will be a margin in favor of the income.

There is no such thing in the world as luck. There never was a man who could go out in the morning and find a purse full of gold in the street to-day, and another to-morrow, and so on, day after day: He may do so once in his life; but so far as mere luck is concerned, he is as liable to lose it as to find it.

Money-getters are the benefactors of our race. To them ... are we indebted for our institutions of learning, and of art, our academies, colleges and churches.

Politeness and civility are the best capital ever invested in business. Large stores, gilt signs, flaming advertisements, will all prove unavailing if you or your employees treat your patrons abruptly. The truth is, the more kind and liberal a man is, the more generous will be the patronage bestowed upon him.

There is no class of people in the world, who have such good memories as creditors.