Success comes from taking the initiative and following up or persisting.

As a species, we're not only wired to choose today over tomorrow, but we hate to feel like we're losing out on something. The bottom line is, if we feel like we're losing something we avoid it, we won't do it. That's why so many people don't save and invest. Saving sounds like you're giving something up, you're losing something today. But you're not.

The world has lost a truly great soul today. Stephen Covey was a man whose 'work was love made visible.' He touched millions of people by the strength of his integrity and the depth of his caring. He was a personal friend, an extraordinary father, and a model for what human beings are truly capable of. Please join us in sending love and prayers to his family.

Remember this: Anticipation is the ultimate power. Losers react; leaders anticipate.

In life, never spend more than 10 percent of your time on the problem, and spend at least 90 percent of your time on the solution.

Courage, like fear, is a habit. The more you do it, the more you do it, and this habit-of stepping up, of taking action-more than anything else, will move you in a different direction.

Begin to live as though your prayers are already answered.