To owe what you had not yet earned, to have to work to earn what you had already spent, was a personal diminishment, an insult to nature and common sense.

Troy went into debt and bought his new equipment because he didn't want to be held back by demanding circumstances.

You see, if only people didn't refuse quick and hard to think about next Monday, Virtue wouldn't have such a hard and thankless time of it.

The best we can do is size up the chances, calculate the risks involved, estimate our ability to deal with them, and then make our plans with confidence.

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

Speculation into thing already produced that is not business

Strive for minimum waste, minimum profit, maximum distribution.

We get some of our best results by letting fools Rush in where angels dear to tread

Be not bound by the present, but leave nothing to luck.

The natural thing to do is to work to recognize that prosperity and happiness can be obtained only through honest effort. Human ills flow largely from attempting to escape from this natural course.

That is the way I have always worked. I draw a plan and work out every detail on the plan before starting to build. For otherwise one will waste a great deal of time in makeshifts as the work goes on and the finished article will not have coherence. It

The time for a business man to borrow money, if ever, is when he does not need it.