Riches do not come by crossing your fingers and walking through the day hoping. Riches and wealth comes from well-laid plans.

Days are expensive. When you spend a day you have one less day to spend. So make sure you spend each one wisely.

Excuses are the nails used to build a house of failure.

When the why gets stronger, the how gets easier.

The greatest gift you can give to somebody is your own personal development

Success is steady progress toward one's personal goals.

Learning the art of expressing gratitude will force you to focus on the positive.

We get paid for bringing value to the marketplace. It takes time,... but we get paid for the value, not the time.

Imagination is the beginning of reality.

Your level of success will seldom exceed your level of personal development.

Failure is not a single, cataclysmic event. You don't fail overnight. Instead, failure is a few errors in judgement, repeated every day.

I will take care of me for you, if you will take care of you for me.

All disciplines affect each other. Mistakenly the man says, `This is the only area where I let down.` Not true. Every let down affects the rest. Not to think so is naive.

Don't set your goals too low. If you don't need much, you won't become much.

Some people take better care of their pets than they do themselves. Their animals can run like the wind and they can barely make it up a flight of stairs.

Happiness is not by chance, but by choice.

Lack of homework shows up in the marketplace as well as in the classroom.

If you spend five minutes complaining, you have just wasted five minutes.

Don't let your learning lead to knowledge. Let your learning lead to action.