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

• 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.
• 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.
• My best friend is the one who brings out the best in me.
• 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.
• Business is never so healthy as when, like a chicken, it must do a certain amount of scratching around for what it gets.
• 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.
• A business that makes nothing but money is a poor business.
• 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.
• A business absolutely devoted to service will have only one worry about profits. They will be embarrassingly large.
• 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.