Hard work pays off – hard work beats talent any day, but if you’re talented and work hard, it’s hard to be beat.

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Hard work pays off – hard work beats talent any day, but if you’re talented and work hard, it’s hard to be beat.

-- Anonymous

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There is no excellence without labor. One cannot dream oneself into either usefulness or happiness. – Liberty Hyde Bailey

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If you don’t build your dream, someone else will hire you to help them build theirs.

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Injustice to anywhere is a threat to justice everywhere.

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Drugs don’t really fix anything, except for everything.

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I am taking baby steps with financial planning. So far I have decided to implement the below two tips.

-- Anonymous

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