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

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

" Life is a series of experiences, each one of which makes us bigger, even though sometimes it is hard to realize this. For the world was built to develop character, and we must learn that the setbacks and grieves which we endure help us in our marching onward. "

" The competitor to be feared is one who never bothers about you at all, but goes on making his own business better all the time. "

" You can't build a reputation on what you are going to do. "

" It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning. "

" Anyone who stops learning is old, whether at twenty or eighty. Anyone who keeps learning stays young. The greatest thing in life is to keep your mind young. "

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

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

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

" Speculation is only a word covering the making of money out of the manipulation of prices, instead of supplying goods and services. "

" Whether you think that you can, or that you can't, you are usually right. "

" I do not believe a man can ever leave his business. He ought to think of it by day and dream of it by night. "

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

" If there is any one secret of success, it lies in the ability to get the other person's point of view and see things from that person's angle as well as from your own. "

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

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

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

" 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. "

" Business is never so healthy as when, like a chicken, it must do a certain amount of scratching around for what it gets. "

" One of the greatest discoveries a man makes, one of his great surprises, is to find he can do what he was afraid he couldn't do. "

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

" Money is like an arm or leg - use it or lose it. "

" Whatever you have, you must either use or lose. "

" The man who will use his skill and constructive imagination to see how much he can give for a dollar, instead of how little he can give for a dollar, is bound to succeed. "

" An idealist is a person who helps other people to be prosperous. "

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

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

" There is one rule for the industrialist and that is: Make the best quality of goods possible at the lowest cost possible, paying the highest wages possible. "