The efficient man is the man who thinks for himself.
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All business proceeds on beliefs, or judgements of probabilities, and not on certainties.
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Be unselfish. That is the first and final commandment for those who would be useful and happy in their usefulness. If you think of yourself only, you cannot develop because you are choking the source of development, which is spiritual expansion through thought for others.
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Do not expect the world to look bright, if you habitually wear gray-brown glasses.