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" If you think you can do a thing or think you can't do a thing, you're right. "

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" Exercise is bunk. If you are healthy, you don't need it: if you are sick you should not take it. "

" There are no big problems, there are just a lot of little problems. "

" It has been my observation that most people get ahead during the time that others waste. "

" A business absolutely devoted to service will have only one worry about profits. They will be embarrassingly large. "

" There is no man living that can not do more than he thinks he can. "

" Even a mistake may turn out to be the one thing necessary to a worthwhile achievement. "

" If money is your hope for independence you will never have it. The only real security that a man will have in this world is a reserve of knowledge, experience, and ability. "

" Capital punishment is as fundamentally wrong as a cure for crime as charity is wrong as a cure for poverty. "

" The highest use of capital is not to make more money, but to make money do more for the betterment of life. "

" There is joy in work. There is no happiness except in the realization that we have accomplished something. "

" Time and money spent in helping men to do more for themselves is far better than mere giving. "

" Before everything else, getting ready is the secret of success. "

" Competition is the keen cutting edge of business, always shaving away at costs. "

" I cannot discover that anyone knows enough to say definitely what is and what is not possible. "

" The only real security that a man can have in this world is a reserve of knowledge, experience and ability. "

" A business that makes nothing but money is a poor business. "

" As we advance in life we learn the limits of our abilities. "

" Whether you believe you can do a thing or not, you are right. "

" Obstacles are those frightful things you see when you take your eyes off your goal. "

" Nothing is particularly hard if you divide it into small jobs. "

" A bore is a person who opens his mouth and puts his feats in it. "

" Thinking is the hardest work there is, which is probably the reason why so few engage in it. "

" Most people spend more time and energy going around problems than in trying to solve them. "

" You can't learn in school what the world is going to do next year. "

" Wealth, like happiness, is never attained when sought after directly. It comes as a by-product of providing a useful service. "

" It is not the employer who pays the wages. Employers only handle the money. It is the customer who pays the wages. "

" Any colour - so long as it's black. "

" A market is never saturated with a good product, but it is very quickly saturated with a bad one. "

" When everything seems to be going against you, remember that the airplane takes off against the wind, not with it. "

" I believe God is managing affairs and that He doesn't need any advice from me. With God in charge, I believe everything will work out for the best in the end. So what is there to worry about. "