One of the serious obstacles to the improvement of our race is indiscriminate charity.

As I grow older, I pay less attention to what men say. I just watch what they do.

Surplus wealth is a sacred trust which its possessor is bound to administer in his lifetime for the good of the community.

The man who acquires the ability to take full possession of his own mind may take possession of anything else to which he is justly entitled.

Concentration is my motto. First honesty, then industry, then concentration.

This, then, is held to be the duty of the man of wealth: First, to set an example of modest, unostentatious living, shunning display or extravagance; to provide moderately for the legitimate wants of those dependent upon him; and, after doing so, to consider all surplus revenues which come to him simply as trust funds, which he is called upon to administer, and strictly bound as a matter of duty to administer in the manner which, in his judgment, is best calculated to produce the most beneficial results for the community --the man of wealth thus becoming the mere trustee and agent for his poorer brethren, bringing to their service his superior wisdom, experience and ability to administer, doing for them better than they would or could do for themselves.