Many concerns now make part or the whole of their dividends from by-products that formerly went to waste. How do we, as individuals, utilize our principal by-product? Our principal by-product is, of course, our leisure time. Many years of observation forces the conclusion that a man's success or failure in life is determined as much by how he acts during his leisure as by how he acts during his work hours. Tell me how a young man spends his evenings and I will tell you how he is likely to spend the latter part of his life.

There's no such thing as a self-made man. I've had much help and have found that if you are willing to work, many people are willing to help you.

The man who is too busy to read is never likely to lead.

Honesty is the cornerstone of character. The honest man or woman seeks not merely to avoid criminal or illegal acts, but to be scrupulously fair, upright, fearless in both action and expression. Honesty pays dividends both in dollars and in peace of mind.

The man who is cocksure that he has arrived is ready for the return journey.

Without self-respect there can be no genuine success. Success won at the cost of self-respect is not success ? for what shall it profit a man if he gains the whole world and loses his own self-respect.

Justice must be blind to the hardness or softness of a man's hands, as well as to the leanness or fatness of his pocketbook

Opportunity can benefit no man who has not fitted himself to seize it and use it. Opportunity woos the worthy, shuns the unworthy. Prepare yourself to grasp opportunity, and opportunity is likely to come your way. It is not so fickle, capricious and unreasoning as some complain.

The man of fixed ingrained principles who has mapped out a straight course, and has the courage and self-control to adhere to it, does not find life complex. Complexities are all of our own making.