“The sad fact is that people are poor because they have not yet decided to be rich. People are overweight and unfit because they have not yet decided to be thin and fit. People are inefficient time wasters because they haven’t yet decided to be highly productive in everything they do.”

“Invest three percent of your income in yourself (self-development) in order to guarantee your future.”

“No one lives long enough to learn everything they need to learn starting from  scratch. To be successful, we absolutely, positively have to find people who  have already paid the price to learn the things that we need to learn to achieve  our goals.”

“No person or situation can make you fed anything-it is only the way you think about a situation that makes you feel the way you do.”

“Those people who develop the ability to continuously acquire new and better forms of knowledge that they can apply to their work and to their lives will be the movers and shakers in our society for the indefinite future.”

“The only way to overcome your fears is to "do the thing you fear," as Emerson wrote, "and the death of fear is certain.”

“Do not wait; the time will never be "just right." Start where you stand, and work with whatever tools you may have at your command, and better tools will be found as you go along.

“Your mental picture of yourself has a powerful effect on your behavior. Visualize yourself as the person you intend to be in the future. Your self-image, the way you see yourself on the inside, largely determines your performance on the outside. All improvement in your outer life begins with improvements in your mental pictures, on the inside.”

“The most important success principle of all was stated by Elbert Hubbard, one of the most prolific writers in American history, at the beginning of the twentieth century. He said, ‘Self-discipline is the ability to do what you should do, when you should do it, whether you feel like it or not.”

“Know What You Believe What are your values today with regard to your work and your career? Do you believe in the values of integrity, hard work, dependability, creativity, cooperation, initiative, ambition, and getting along well with people? People who live these values in their work are vastly more successful and more highly esteemed than people who do not. What are your values with regard to your family? Do you believe in the importance of unconditional love, continuous encouragement and reinforcement, patience, forgiveness, generosity, warmth, and attentiveness? People who practice these values consistently with the important people in their lives are much happier than people who do not. What are your values with regard to money and financial success? Do you believe in the importance of honesty, industry, thrift, frugality, education, excellent performance, quality, and persistence? People who practice these values are far more successful in their financial lives than those who do not, and they achieve their financial goals far faster as well. What about your health? Do you believe in the importance of self-discipline, self-mastery, and self-control with regard to diet, exercise, and rest? Do you set high standards for health and fitness and then work every day to live up to those standards? People who practice these values live longer, healthier lives than people who do not.”

“Move out of Your Comfort Zone”

“There is an old saying that "by the yard it's hard; but inch by inch, anything's a cinch!”

“The PREP Formula Once you have your points, you can use the “PREP” formula for each point in your presentation. P: Point of View State your opinion, idea, or fact at the beginning. R: Reasons State your reasons for holding this point of view. E: Example Reinforce your point of view with an example. P: Point of View Restate your first “P” to emphasize your idea and to come full circle.”

“Josh Billings once wrote, “It ain’t what a man knows what hurts him. It’s what he knows what ain’t true.”

“An average person with average talent, ambition and education can outstrip the most brilliant genius in our society, if that person has clear, focused goals.”