“Nothing is ever lost by courtesy. It is the cheapest of pleasures, costs nothing, and conveys much. It pleases him who gives and receives and thus, like mercy, is twice blessed.”

– Erastus Wiman

“Focused intensity is required to win. I can’t stress enough that people who took control of their finances and worked their way out of debt] got mad. They got sick and tired of being sick and tired! They said, “I’ve had it!” and went ballistic to change their lives. There is no intellectual exercise where…