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Milnerisms

Mortgage & Loan Banks

Updated on Sep 27, 2026

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Milnerisms (as of 8/11/25)

Laziness kills ambition.
Anger kills wisdom.
Fear kills dreams.
Ego kills growth.
Jealousy kills peace.
Doubt kills confidence.
Now read that right to left.

Bigger us Not Always Better
Better is Better
You should be Big Enough to Matter
Yet Small Enough to Care

At the start of a relationship do not ask for promises. By doing so you do not have to lie.
Do not say I Love You just to say Goodbye.

When you arise in the morning, think of what a precious privilege it is to be alive. To
Breathe, to Think, to Enjoy, to Love. The make that day Count!
Begin each day with Optimism and end each day with Forgiveness. Happiness in Life
begins and ends within your Heart.

F-E-A-R has two meanings:
Forget Everything And Run
or Face Everything And Rise.
The choice is yours.

Embrace Your Past With Grace, Conquer Your Present With Courage,
And Approach Your Future With Unshakable Faith.

Leadership is about lighting the path, not controlling the journey.

I would rather be prepared and be wrong then to be unprepared and be right.

Sometimes the smallest step in the right directions ends up being the biggest step of
your life.

The saddest thing in Life is wasted Talent and the Choices that you make will shape
your Life Forever.

Just because you could Do It Does not mean you should Do It.
Do not do something you can pay someone to do.

Always Be Old Enough To Teach and Young Enough To Learn.

Be at War with your Vices at Peace with your Neighbors and may every New Year find
you to be a Better Person.

If you look into the Heart of your Partner then you will understand the unique challenges
that they face.
You would then be able to treat your Partner more gently, with more Love, Patience,
Tolerance and Care.

In any Business Volumes Speaks Volumes.
But the P must be somewhere on the P and L.

While We Try To Teach Our Children About All About Life Our Children Teach Us What
Life Is All About.

Always Remember
When You Know Better
Then You Can Do Better
You can get in Life what you have the courage to ask for.
You can waste your Life drawing lines. But you can Live your Life crossing them.

Above All try to be the Heroine of your Life Not The Victim of your Life.
If you do not Risk anything then you Risk even more.

If you do not like the Road that you are walking
Then start to pave a different Road.

Know your Value and Live the Life you Deserve.

Take the Time to develop your Voice.
When you do so then there will no longer be a need to be silent.

Parents of a Little Girl should look at them say Yes a Woman Can!

What you do can make a difference. You have to decide what kind of difference.

Take a stand.
Stand strong.
Stand up.
Stand out.

Time is like a River.
You cannot touch the same water twice, because the flow that has passed will never
pass again. So enjoy every moment of your life.
Perfection is Not attainable. However, if we chase perfection that we can catch
excellence.

I never Finish Anything. I have a Black Belt in Partial Arts.

At times try to not do what you can. Instead try to do what you must.

Just because you could does not mean you should.

Life is like a Camera. Focus on what is Important. Capture the Good Times. Develop
from the Negatives. And if things Do Not work out then Take Another shot.

Your best Ability should be your Availability.

Each of us is like the Moon. We have a Dark Side that we hope no one has ever seen.

Sometimes the strength within you is not a fiery flame for all to see, it is just a tiny spark
that whispers softly you Got This Keep Going.

People only Succeed when they have Fun in what they are doing.
Do you Live to Work or Do you Work to Live?

Very often we are not victims of our situation we are Architects of it.

Inside of you is a Better one.

A Distant Friend will call you soon.

In three words you can sum up everything about Life It goes on.

Try not to listen to what people say. Just watch what they do. Behavior never lies.

Mistakes are not the problem. Not learning from them is the problem.

Of whom much is Given much is expected.

Transactions will make you a Living. Relationships will make you a fortune.

Ask yourself how are you different than others?

You must be unique.

The Riches are in the Niches

May you have the foresight to know Where you have Been, Where you are Now and
Where you are Going.

If your house was on Fire and you only had time to grab one thing then what would it
be?

If you bought a Lottery Ticket and won $200 million then what would you do with it?

The measure of Intelligence is to have the ability to change.

Life is Not about Being Right. It is About Doing Right.
The measure of Intelligence is to have the Ability to change.

Life is Not about Being Right. It is About Doing Right.

If it is TO BE then it is up TO ME.

What you think about you should bring about.

If the student has not Learned then the Teacher has not taught.

Cheers to the people who love us, and
To the people who lost us, and
To all the Lucky People who will get to Meet us.

When we are closed to ideas all we hear is criticism.
When we are open to criticism then we get advice.

If you do what you have always done, then you will get what you have always gotten.

Never shake a hand sitting down.

Never go Broke to impress others.

Never eat the last piece of something you did not buy.

Always have the ambition to be better.

Protect who is Behind You and Respect who is Beside You.

Take a one to three second pause to respond to a question.

If you are not invited then do not ask to be invited.

Always carry cash.

Dress well no matter what the occasion.

Listen, nod and most of all always make eye contact.

A House is made of Walls and Beams. A Home is made of Love and Dreams.

Let your Dreams be Bigger than your Fears,
Your Actions be Louder than your Words,
And your Faith Stronger than your Feelings

It is Not what you Do.
It is How you Do It.
It is Not what you See.
It is How you Look at It.
It is Not how your Life Is.
It is How you Live It.

You cannot Leave those who created the problem in charge of the solution.

Nothing is Impossible. The word itself says I’m Possible.
Good things come to those who BELIEVE.
Better things come to those who are Patient.
The Best things come to those who do not give up.

A Leader should not plant more Trees than they cut down.

There are Tall Ships
There are Small Ships
But of all the Ships in the Sea
The Best Ships are Friendships
So here is to you and here is to me

We learn something from Everyone who passes through our lives. Some lessons are
Painful. Some Lessons are Painless. But all the Lessons are Priceless.

Accept your Past without Regret, Handle your Present with Confidence. And Face your
Future without Fear.

The same Boiling Water that softens the Potato also hardens the Egg. It is about what
you are made of NOT the circumstances.

You Do Not earn Loyalty in a Day. You earn Loyalty Day by Day.

Do not wait for the Perfect Moment. Take a Moment and make it Perfect.

Nothing Changes except what has to.

Life is Nothing when we get Everything. But Life is Everything when we miss something.
Value of People though is only realized in their absence.
To Succeed in Life you need only Three Bones: A Wishbone; and A Backbone; and A
Funny bone.

The Simplest Toy that even the youngest child can operate is a GRANDPARENT.

It is Not who you Are underneath. It is what you Do that defines who you Are.

Competitors do not make Excuses.

Be the Person others said you would never be.

Work for a Cause.

Not for Applause.
Live Life to Express
Not to Impress.
Do not strive to make your presence noticed.
Instead make your Absence felt.

The Past is there to be learned from Not to be Lived In.

No one changes unless they want to.
Not if you Beg them to change.
Not if you Shame them to change.
Not if you use Reason or Emotion or Tough Love to change.
There is only one thing that can make someone change:
It is their own realization that they need to change.

If Love Does Not Last Forever. Then What is Forever For?

Everyone can get their chance. Just be ready.
Life can be a long road with Speed Bumps but it can be worth the Journey.

Empathy and Imagination always try to develop the powers to mold them into your life.

Your mind is like a parachute. The only way it can work is if it is open.

Harriet Tubman was the Conductor of the Underground Railroad for 8 years. She was
one of the few Conductors who NEVER ran the train off the track and NEVER lost one
passenger.

Life requires you to have P and P Pride and Passion.

You should always try to be inquisitive as opposed to being judgmental. Seek the truth

and surrender to it.

Always try something new. But do not be afraid of making mistakes.

In living every day always remember that something is lost but something is always
gained.

You can make more friends in Two Months by becoming interested in other
people than you can in Two Years by trying to get other people interested in you.

If you forget the Past then you will repeat the Past.

Attitudes are contagious. Is your Attitude worth catching?

Just as one Cannot Live without Dreams one Cannot Live without Hope. If Dreams
reflect the Past then Hope summons the Future.

Today instead of being upset by all the things that are wrong I would suggest that
you be thankful for all the things that are right. Always remember LIFE IS NOT About
Having What
You Want It Is About Wanting What You Have Got.

Working hard for something that we do not care about is called Stress. Working hard for
something that we love is called Passion.

There is a superhero inside of all of us. We just need the courage to put on the Cape.

If serving is Below you, then Leadership is Beyond you.

Always remember the Past, Live in the Present and look forward to the Future.

Education is our Passport to the Future. Tomorrow belongs to the people who prepare
for it today.

The beautiful thing about learning is that no one can take it away from you.

Do you let what you cannot do stop you from doing what you can do?

Winning does not always mean being first. Winning means you are doing better than
you have done before.

If you Dream it, then you can do it.
You cannot go back and change the beginning. However, you can start where you
currently are and change the ending.

It is the mark of an educated mind to be able to entertain a thought without accepting it.

Happiness held is the seed. Happiness shared is the flower.

A great man is hard on himself. A small man is hard on others.

Wise men speak because they have something to say. Foolish men speak because
they have to say something.

The past is your Lesson. The present is your Gift. The future is your Motivation.

Hope is wishing something will Happen. Faith is believing something will Happen.
Courage is making something Happen.

At times you must hurt in order to Know.
Or fall in order to Grow.
Or lose in order to Gain.
This is because many lessons from life are learned through Pain.

Do not Choose to Love.
The most Beautiful Person in the World.
Choose to Love the One Who makes your world Beautiful.

The Man Who Moves a Mountain Begins by Carrying away Small Stones.

There is a purpose for everyone you meet. Some people come into your life to test you.
Some come into your life to teach you. Some come into your life to use you. And some
come into your life to bring out the very best in you.

You become an inspirational leader when you have the humility to build a Team with
people more talented then you.

RESPECT is like a mirror. The more you show it to other people the more it will reflect
back on you.

When you fully trust someone without any doubt then you finally get one of two results:
Either: A Person for Life or A Lesson for Life

Life is like an Elevator. Sometimes on the way up you have to stop and let some
people off.

Passion is an Output that comes from working toward something you believe in.

It is hard to be a Lover when you say you are only in it for the Fun.

Try to Accept what is.
Let Go of what was.
And have Faith in what will be.

Always remember that Givers will always Gain.

At times, our own light goes out and is rekindled by a spark from another person. Each
of us has cause to think with deep gratitude of those who have lit the flame within us.

Kindness is Loaning Someone your Strength, Instead of Reminding Them of Their
Weakness.

Read this slowly:
LIFEISNOWHERE
What did you read?
life is no where
OR
life is now here
Life is all about how we look at it.

The real Luxuries in life
Time
Health
A quiet mind
Slow mornings
Ability to travel
Rest without guilt
A good night’s sleep
Calm and boring days
Meaningful conversations
Home-cooked meals
People you love
People who love you back

Saying less is incredibly helpful.
Not every thought is valuable.
Not every feeling needs to be voiced.
What is often best is to slow down and spend time developing a clearer and more
informed perspective.
Ego rushes and reacts, but peace moves purposefully and gently.

All human actions have one or more of these seven causes:
Chance, Nature, Compulsion, Habit, Reason, Passion, and Desire.
Absolutely nothing that is meant for me will require me to compromise my integrity,
lower my energy, or abandon my values and boundaries to receive it.

Sometimes the smallest step in the right direction ends up being the biggest step of
your life.

Work at something you enjoy, which is worthy of your time and talent.

Give people more than they expect and do it cheerfully.

Try to become the most positive enthusiastic person you know.

Be forgiving of yourself and others.

Discipline yourself to save money on even the most modest Salary.

Commit yourself to constant Improvement and Quality leadership.

Try to understand that happiness is not based on possessions, power or prestige, but
on relationships with people you love and respect.

Be decisive even if it means that you may be wrong.

Perfection is Not Attainable. But if you choose Perfection then you can catch
Excellence.

With the Courage to Begin and the Discipline to Endure , then victory becomes a Matter
of Time.
Change is Not meant to be easy. It is meant to rip you up by the Roots and Plant you in
New Soil.

If you are Not Willing to Learn , then No One can Help you. But if you are determined to
learn and then No One can stop you.

Never measure the Height of a Mountain until you have reached the Top.

Not Having a Goal Is more to be feared than not reaching one.

Embrace your Past with Grace, Conquer your Present with Courage and approach your
Future with Unshakable Faith.

We cannot always choose the Music Played for US but we can choose how we can
Dance to it.

Never entertain a conversation that you are not willing to participate in.

I have not been Everywhere but it is on My List.

You must care more for the Truth then what people may think is the Truth.

As a Father or a Mother It only takes a moment to make a moment.

Your Ability is what you are capable of doing, Motivation determines what you do, and
Attitude determines how well you do it.

To those I have wronged I asked forgiveness. To those I have helped I wish I did
more. To those I neglected to help I ask for your understanding. To those who helped
me I sincerely thank you so very much.

In every problem, there is a Hidden Treasure inside of it. You should try to find it.

In a New relationship, do not ask for Promises. By doing so then you do not have to lie.
Both people have played that game before when they say I Love You and then they say
goodbye.

Hope is Not a Strategy.

To handle Yourself you should use your Head. To handle others you should use your
Heart.

Gratitude is always the best Attitude.

If today means Action then carry out your Plan now.

Yesterday is History. Tomorrow is a Mystery. But Today is a Gift which is why it is called
the Present.

Do not Let what you cannot control keep you from doing what you can control.

The Greatest Pleasure in Life is doing what people say you Cannot do.

A great person is hard on Themselves. A small person is hard on Others.

Do not be afraid of Failure. You can be great because Failure should not Stop you.

All of us do not have Equal Talent. But all of us have an Equal Opportunity to develop
our Talent.

Do not spoil what you have by wanting what you do Not have. Remember that what you
now have was once among the things you only hoped for.

We cannot force someone to hear a message that they are not ready to receive. But we
must never underestimate the power of planting a seed.

A superior Man or Woman is modest in his or her speech, but exceeds in his or her
action.

There is a Superhero inside all of US. We just need the courage to put on the Cape.

Kindness is loaning someone your Strength instead of reminding them of their
Weakness.

The One who follows the Crowd will usually go no further than the Crowd. Those who
walk alone are likely to find themselves in places no one has been before.

Success is NOT always about achieving Greatness. It is about Consistency because
consistent Hard Work Leads to Success. Greatness will eventually come.

Accept What Is. Let Go of What Was.

Have Faith In What Will Be.

If you were to improve your Performance Today then what would you focus on
improving and how would you Measure it?

Friendship is like a Bank Account. You can only continue to Withdraw from it if you
make Deposits.

Life is What Happens when you are making Other Plans.

A Setback is just a Setup for a Comeback.

What You Are is:
What You Have Been.
What You Will Be is:
What You Do Now.

The biggest communication problem we have at times is

We do not listen to understand.

Rather We listen to Reply.

Success is not an accident. It is Hard Work, Perseverance, Learning, Studying,
Sacrifice and most of all it is the Love of what you Do and Leading others to do.

There are Five types of People that you should want to Surround yourself with:
1. the Inspired
2. the Passionate
3. the Motivated
4. the Grateful
5. the Open-Minded

Find a reason to laugh every day It may not add Years to your Life but it may add
Life to your Years.

You should be Dreaming about Tomorrow today.

Abraham Lincoln said: If you give me 6 hours to Chop Down a Tree then I will spend
the first 4 hours sharpening the Axe.

Knowledge is not Free. You must PAY Attention.

If you are reading this then I believe a refreshing Change is in your Future.

Do not let the Pressure of Competition be Greater than the Pleasure of Competition.

To worry too much about something is like paying a Debt that you Do Not Owe.

Great Minds discuss Ideas.
Average Minds discuss Events.
Small Minds discuss people.

If you are NOT willing to Learn then no one can Help you.
If you are determined to Learn then No One can Stop you.

Integrity means doing the Right Thing even when no one is Watching.

If You have a Why to Live then you can withstand the How.

Telling is Not Teaching.

Leadership is Not a Journey to Rise in the Ranks.
Leadership is a Journey to Help those around US to rise.

Associate yourself with People who are likely to Improve you.

I am a great Believer in Luck!

The Harder I work the More Luck I seem to Have.

You should try to do the difficult things while they are easy and do the great things while
they are small.

A Journey of 1000 miles must be begin with a single step.

Fear based Leadership may Command outward compliance. However, it can never
inspire the loyalty and dedication that genuine leadership can Command.

Never mind about Tomorrow. Today is the Day.

Trust your Instincts They can guide you to Prosperity.
Remember to take care of your Authenticity. It is your greatest Strength.

F-E-A-R has two meanings:

’Forget Everything And Run’ or

’Face Everything And Rise.’

The Choice is Yours!

The Quality of your Work reflects the Quality of your Character.

Focus on Excellence in all you do and Success will follow.

If we Change Nothing then Nothing will Change.

With the Courage to Begin and the Discipline to Endure then Victory becomes a Matter
of Time.

Sometimes Good Things Fall apart, so that Better things can Fall together.

We must remember that some things that are Legally correct are not Morally correct.

The Struggle you may have Today will develop the Strength you may need Tomorrow.

Success IS Not in what you Have.
It IS in What You Are.

The Meaning of Life is to find Your Gift. The Purpose of Life is to Give It Away.

If you are a Pessimist then you may see the Difficulty in every Opportunity.
If you are an Optimist then you may see the Opportunity in every Difficulty.
Which will YOU BE TODAY?

What you admire in People is reflecting your own untapped potential.

Always make Time for the People who matter the Most to You.

True Strength is NOT measured by how much you can Overpower others.
It is measured by how much you can Empower Others.

Be strong enough to Stand Alone, Smart enough to Know when You Need Help and
Brave enough to Ask For It.

Your Strengths are built by Your Failures Not by Your Successes.

Just because it may be Taking Time could mean that it IS Happening.

Greatness requires Simplicity, Goodness and Truth.

No matter where you are in Life you should Celebrate it.
It is either a product of your Growth or a place that will help you to Grow.
Cheers to today!!!

The Price of Excellence is Discipline.

The Cost of Mediocrity is Disappointment.

Success Lies in the Relentless Execution of the Basics.

Life will always be hardest when you are crossing over to a new Level. Do not get
discouraged.

If you are Not at the Table then you are just on the Menu.

Always try to maintain a positive Perspective and you will find joy in your Life Every Day.

Followers want to be taken care of. Leaders want to take care of others.

As a Leader you should try to be the Leader you wish you had in the Past.

The Journey of a Thousand Miles begins with a Single Step.

I wish I did not know Now what I did not know Then.

If you could see the Future then what would you want to know Now?

What is the one Song you would dedicate to your significant other and what would be
the one Song your significant other would dedicate to you at this stage in your
relationship?

Convert some Yogiisms into Milnerisms.

Who you are becoming is more important that who you have been.

In youth we learn. In age we understand.

If You Are On Time Then You Are Late.

A fast no is better than a slow maybe.

Vision is the ability to talk about the future with such clarity, it is as if we are talking
about the past.

To Succeed You Must Drive To Survive.

There are 42,000 zip codes in the United States. I suggest that you should own your
own zip code.

Always remember:
If you Take Care of the Units Then Volume will Take Care of Itself.

Change can be difficult. However, change is the price of progress.

As a Leader remember this:
Followers want to be Taken Care of. Leaders want to take care of others. Be the Leader
you wish you had.

The Best Things in Life cannot be Seen or Heard. They are Felt.

What a wonderful thought it is that some of the best days of our lives have not even
happened yet.

You will not always love the workout, but you will always love that you worked out.

YOU MAY MOVE MOUNTAINS WITH MACHINES. HOWEVER, ONLY WISDOM CAN
MOVE YOU FROM RAGE TO REASON.
TECHNOLOGICAL POWER IS IMPRESSIVE BUT EMOTIONAL INTELLIGENCE IS
FUNDAMENTAL AND CAN BECOME LIFE-CHANGING.

The only way to do great work is to love what you do.

WE MUST ALWAYS FIND A WAY TO PUT THE..P..ON THE P and L

Expecting things to change without putting in any effort is like waiting for a ship at the
Airport.

If you Fail To Plan Then you are Planning to Fail

Vision is the ability to talk about the future with such clarity, it is as if we are talking
about the past.

Work at something you enjoy that is worthy of your Time and Talent.

Give people more than they expect and do it cheerfully.

Become the most positive and enthusiastic person you know.

Be forgiving of yourself and others.

Be generous.

Have a grateful heart.

Discipline yourself to save money on even the modest salary.

Treat everyone you meet like you want to be treated.

Commit yourself to constant improvement.

Commit yourself to Quality.

Happiness is based on relationships with people and not based on possessions, power
or prestige.

Be loyal

Be honest

Be decisive even if it means that you will sometimes be wrong

Do not blame others. Take responsibility for every area of your life

Be bold and courageous

Take good care of those you Love

Only do something that would make your mother proud.

If opportunity does not knock then you must build a door.

When the winds of change blow, some people build walls, and others build windmills.

1. The needs of the Corporation outweigh the needs of the Individual.
2. Do you live to work or work to live?
3. Before you hit send, think it through to the end.
4. Is running your business getting in the way of running your business?
5. Problem solving does not move business sales moves business.
6. A business without a sign is a sign of no business.
7. Every decision you make should always be measured by the Investment versus
the Return.
8. In the Mortgage Business it sometimes Rains with the Sun Shining. However,
there is always a Pot of Gold at the end of the Rainbow. US Mortgage
Corporation will always get you to the end of the Rainbow together.
9. The secret of getting ahead is getting started.
10. If it does not make Sense, then it does not make Dollars.
11. The golden rule is: The one with the Gold rules.
12. Business is like an Iceberg at times. Only the tip can be seen.
13. If you Fail to Plan, then you are really Planning to Fail.
14. My bank account may be small, but I remember when I had nothing at all.
15. I have to walk my paycheck to the bank...because it is too little to go by itself.
16. To Manage it you must Measure it.
17. If opportunity does not knock, then build a door.
18. Do you have the skills to pay the bills?

19. When you reach the top of the mountain, realize that you were not dropped
there. It takes time, effort and energy. Remember how you got there.
20. Persistence is the Vehicle you Arrive in.
21. Persistence Overcomes Resistance.
22. A river cuts through a rock not because of its Power, but because of its
Persistence.
23. Some people want it to happen, some wish it would happen others MAKE it
happen.
24. No one loses money by saying No.
25. The biggest difference between time and money is: You know how much money
you have. However, you never know how much time you have.
26. A person who works for Passion is always Richer than a person who works for
money.
27. Work for a cause not for applause.
28. Focus on your Goal. Do not look in any Direction but Ahead!
29. It can be said that when you lack Dedication then it could be interpreted as an
Insult to those who believe in You.
30. Good things come to those who BELIEVE. Better things come to those who are
Patient. The Best things come to those who do not give up.
31. It is the rough side of the mountain that is the easiest to climb. The smooth side
does not have anything for you to hang on to.
32. Small Steps in the Right Direction are Better than Big Steps in the Wrong
Direction.
33. Ambition is the Path to Success.
34. Success is Never Owned, it is Rented. And the Rent is DUE EVERYDAY.
35. To Succeed in Life you need only Three Things: A Wishbone; A Backbone; and a
Funny bone
36. The Paradox of Success is that which got you there will not keep you there.
37. Judge your success by what you had to give up in order to get it.
38. Always try something new. But do not be afraid of making mistakes.

39. If You Erase All The Mistakes Of Your Past, Then You Will Erase All Of The
Wisdom Of Your Present.
40. If you forget the Past then you will Repeat the past.
41. The Past is there to be learned from and Not to be Lived In.
42. The Best Revenge Is Attaining Major Success.
43. Success is not the Key to Happiness. Happiness is the Key to Success. If you
Love what you are doing, then you will be Successful.
44. Success does not come from what you do occasionally. It comes from what you
do consistently.
45. Success is not final. Failure is not fatal. It is the courage to continue that counts.
46. You should always act as if it were impossible to fail.
47. Ever tried? Ever failed? No matter! Try again, Fail again, and Fail better.
48. A failure is a mistake you have not learned from.
49. You do not become a failure until you are satisfied with being one.
50. A successful man or woman is one who can lay a firm foundation with the bricks
others have thrown at him or her.
51. Everyone can get their Chance. Just be ready.
52. Failure is the chance to do better next time.
53. Sometimes a stumble will prevent a fall.
54. A Promise Tomorrow Is Worth A Lot Less Than Trying Today.
55. Happiness lies in the joy of achievement and the thrill of creative effort.
56. The greater danger for most of us lies not in setting our aim too high and falling
short. It lies in setting our aim too low, and achieving our mark.
57. When making plans think big! When making progress think small.
58. It is not where you Start, it is where you Finish.
59. When the Road seems impossible, then start your Engine.
60. Nothing is impossible. The word itself says I’m possible.
61. It is not what you make...it is what you keep.
62. The more you bet, the more you sweat, the more you get.

63. You can NEVER Quit. Winners NEVER Quit. Quitters NEVER Win.
64. Win in your mind and you will win in your reality! Everything comes to you at the
right time. Be patient and trust the process.
65. Remember that not getting what you want is sometimes a wonderful stroke of
luck.
66. A bird sitting on a tree is never afraid of the branch breaking because the trust is
not on the Branch, but on its Wings. Always believe in yourself.
67. Good things come to those who Believe. Better things come to those who are
Patient. The best things come to those who DO NOT Give up.
68. Hope is like a Bird that senses the Dawn and begins to Sing while it is still Dark.
69. Do not judge each day by the harvest you reap. Judge it by the seeds that you
plant.
70. Intelligence Without Ambition is like a Bird without Wings.
71. A smooth sea never made a skilled sailor.
72. If you are not fired up with Enthusiasm...then you could be fired with
Enthusiasm.
73. Better is not something you wish, it is something you become.
74. Continuous Improvement is Better than Delayed Perfection.
75. Complacency is the kryptonite to growth and development.
76. Radical times require radical measures.
77. Great achievements involve great risk.
78. Doing the best at the Moment puts you in the best place for the next Moment.
79. I will Breathe. I will Think of Solutions. I will NOT let my Worry control me. I will
NOT let my Stress level break me. I will simply Breathe and it will be okay
because I do not quit.
80. We can all learn an invaluable leadership lesson from this pack of wolves:
• The 3 in front are old and sick. They walk in front to set the pace.
• The next 5 are the strongest. They protect the front side from an attack.
• The middle group is fully protected.
• The 5 behind them are also among the strongest. They protect the back side.

• The last wolf is the LEADER. He ensures no one is left behind. He keeps the
pack tight and on the same path. He is ready to run in any direction to protect his
pack.
• Being a LEADER is not about being in front. It is about taking care of your team.

81. When a leader walks into a room the followers feel intimidated, the snakes feel
threatened, but the next leaders feel inspired.
82. At times good leaders must have ance conversations to address an employees’
ArrogANCE, BeligerANCE, IntolerANCE and IndignANCE.
83. Leaders do not force people to follow. They invite them on the journey.
84. Leaders should plant more Trees than they cut down.
85. A company must always search to retain the Right People who can do the Right
Thing at the Right Time.
86. What would you rather have?...1% of 100 or 100% of 1?
87. Of whom much is given much is expected.
88. Work for a Cause. Not for Applause. Live Life to Express. Not to Impress. Do not
Strive to make your presence noticed. Instead make your Absence felt.
89. Competitors do Not Make Excuses.
90. Teamwork makes the Dream work.
91. Less Me and More We.
92. There is no Me in Team or I in Team.
93. If you want to go fast go Alone. If you want to go far go Together.
94. He or she who blames others has a long way to go on his or her journey. He
who blames himself or herself is half way there. He or she who blames no one
has arrived.
95. If you push me toward something you believe is a weakness of mine, then I will
turn that perceived weakness into a strength.
96. He who dies with the most Toys still Dies.
97. He who hesitates...loses. If you snooze you lose.

98. The only difference between you and someone you envy is that you settled for
less.
99. To be yourself in a world that is constantly trying to make you into something else
is the greatest accomplishment.
100. Do not strive to make your presence noticed. Make your absence felt.
101. Whatever you are not changing than you are choosing.
102. A bad attitude is like a flat tire. You cannot go anywhere until you change it.
103. You cannot Leave those who created the problem In Charge of the Solution.
104. There are three solutions to every problem: Accept it, Change it, or Leave it. If
you cannot Accept it then Change it. If you cannot Change it then Leave it.
105. Paralyzation by Analyzation.
106. If you have to look for the weak link, then it could be you.
107. Get the facts before you react...GTF.
108. Common Sense Is Not So Common.
109. Stop trying to make sense of senseless behavior.
110. Are we licensed in a state of confusion?
111. You do not know what you do not know.
112. People can perish from their lack of knowledge.
113. Do not mix bad words with your bad mood. You will have many opportunities to
change your mood, but you will never get the opportunity to replace the words
you spoke.
114. The Truth is undefeated.
115. You should always try to be inquisitive as opposed to being judgmental. Seek the
Truth and Surrender to It.
116. When the WHY is CLEAR, The HOW is EASY.
117. When you do not know what you do not know, then you cannot really be afraid of
it.
118. He who is afraid of doing too much always does too little.
119. When you know Better you do Better.

120. Education is the foundation for building great customer relationships. An
educated customer is your best customer.
121. You better learn it fast, you better learn it young because someday may never
come.
122. If you are not willing to learn then NO ONE can help you. However, if you are
determined to learn then no one can STOP YOU.
123. Share your knowledge for it is the only way to achieve immortality.
124. If a student has not learned, then the teacher has not taught.
125. Tell me and I forget. Teach me and I remember. Involve me and I learn.
126. Speak in such a way that others Love to Listen to you. Listen in such a way that
Others Love to Speak to You.
127. We learn something from Everyone who passes through our Lives. Some
Lessons are Painful. Some Lessons are Painless. But all of the Lessons are
Priceless.
128. When you lose, do not lose the lesson.
129. Doing the best at the moment puts you in the best place for the next moment.
130. What the New Year brings to you depends a great deal on what you bring to the
New Year.
131. If you carry your childhood with you then you never become older.
132. The secret of genius is to carry the spirit of the child into old age, which means
never losing your enthusiasm.
133. As long as you live then keep learning how to live.
134. Nothing in Life is to be Feared. Life is only to be Understood. Now is the time to
Understand More! By doing so we may Fear Less.
135. Courage is not the absence of fear. It is the conquest of it.
136. No matter how long you have traveled in the wrong direction...always remember
that you can always turn around.
137. Will you look back on life and say, I wish I had,’ or I am glad I did?’
138. Life can be a long road with speed bumps but it can be worth the Journey.
139. Live life in the present because it truly is a present.

140. Tomorrow you promise yourself will be different. Yet tomorrow is too often a
repetition of today.
141. So little of what could happen does happen.
142. The future belongs to those who prepare for it today.
143. The future is not what we thought it would be.
144. Accept your Past without Regret. Handle your Present with Confidence. And
Face your Future without Fear.
145. Of whom much is given...Much is Expected.
146. The past is not what it used to be.
147. The only thing worse than bad news is bad news that is delayed.
148. Life is full of questions. How you answer them sets the path of your life.
149. Life is full of flaws. Who knows the cause?
150. Life is NOT about Being Right...It IS about Doing Right!
151. Integrity is doing the right thing even if nobody is watching.
152. Live a good honorable life.
153. Always remember Life is NOT about Having what you want. It IS about Wanting
what you have got.
154. The price of anything is the amount of life you exchange for it.
155. Living well is the best revenge. Indifference is the next best revenge.
156. In life our greatest hopes and our worst fears are seldom realized.
157. Always remember when life hands you Lemons ask for Tequila and Salt and
then give me a call.
158. In Living Every Day Something Is Lost...But Something Is Always Gained.
159. A good day brings you happiness. A bad day brings you experience.
160. In the end...it is Not the years in your Life that matter. It Is the Life in your years
that matter.
161. In our daily lives we often act as a Child, as an Adult and as a Parent.
162. While there is life there is hope.

163. When you arise in the morning, think of what a precious privilege it is to be alive.
To Breathe, to Think, to Enjoy, to Love. Then make that day Count!
164. You live only as long as the last person who remembers you.
165. Begin each day with Optimism and end each day with Forgiveness. Happiness in
Life begins and ends within your Heart.
166. Time decides who you meet in Life. Your Heart decides who you want in your Life
and your Behavior decides who Stays in your Life.
167. The Butterfly does not look back at the Caterpillar in Shame. That said you
should not look back at your Past with Shame. Your past was part of your own
transformation.
168. Life can only be understood Backwards. Therefore, it must be lived Forward.
169. Your life only gets better when you do. Work on Yourself and the Rest will follow.
170. Live as if you were to die tomorrow. Learn as if you were to live forever.
171. Your work is going to fill a large part of your daily life. And the only way to be truly
satisfied is to do what you believe is Great Work. And the only way to do great
work is to Love what you do. If you have not found that then keep looking and do
not settle. As with all matters of the heart you will know when you find it.
172. Live Life As Long As You Have Life To Live.
173. Treat Each Day Like An Unopened Gift.
174. Live Life to Express not to Impress.
175. In Loving Every Day always remember that something is Lost but something is
always gained.
176. It is Not what you Do. It is How You Do It. It is Not what you See. It is How you
Look At It. It is Not how your Life Is. It is How You Live It.
177. Life is like poker, anyone can play a good hand, but it takes real talent to play a
bad hand well.
178. You are the artist of your life. Don’t give the paintbrush to anyone else.
179. The world is moving so fast these days that the man who says it can’t be done is
generally interrupted by someone doing it.
180. Do not count the days, make the days count!
181. There are seven Days in the Week. Someday, is NOT one of them.

182. You do not know what you have got until it is gone.
183. The best journeys aren’t measured in miles; they are measured in moments.
184. When your time is running out, you can state I have a hard stop at
185. Be Loyal to your Future Not to your Past.
186. When asked how I am my reply is: I am on the right side of the dirt or I can still
see the daisies from above.
187. If you think you can do it or if you think you cannot do it...then if you believe
it It Will Happen.
188. When requested to do something that you really do not want to do, you can
respond: It is not in my SWIM’ lane.
189. You cannot fix the plane when it is in flight.
190. You are what the Scoreboard says you are.
191. You do not have to be great to get started. However, you have to get started to
be great.
192. Good things may come to those who wait. However, Great things are taken by
those who hustle.
193. Listen to your own voice and your own soul. Too many people listen to the noise
of the world instead of themselves. Deep inside you know what you want. Let no
one decide that for you.
194. Be a reflection of what you want to see in others. If you want LOVE then give
LOVE. If you want HONESTY then give HONESTY. If want RESPECT then give
RESPECT. You get in return what you give.
195. Use your Voice for Kindness, Your Ears for Compassion, Your Hands for Charity,
Your Mind for Truth, and your Heart for Love.
196. Words are singularly the most powerful force available to humanity. We can
choose to use this force constructively with words of encouragement, or
destructively with words of despair. Words have energy and power with the ability
to help, to heal, to hinder, to harm, to humiliate and to humble.
197. It is Not who you are underneath. It is what you DO that defines who you Are.
198. The key to being Happy is knowing you have the power to choose what to accept
and what to let go.
199. NEVER put the Key to your Happiness in the pocket of someone else.

200. A House is made of Walls and Beams. A Home is made of Love and Dreams.
201. Just as one Cannot Live without Dreams One cannot Live without Hope. If
Dreams reflect the Past then Hope summons the Future.
202. Find your self-esteem and be forever free to dream.
203. Let your Dreams be Bigger than your Fears, your Actions Louder than your
Words and your Faith Stronger than your Feelings.
204. If you do NOT have a Dream then how are you going to MAKE your Dream
come true.
205. If you spend time with Me then I will brainwash you into believing in yourself and
knowing you can accomplish anything.
206. If it is to be it is up to me.
207. It is your Road and yours alone. Others may walk it with you. However, no one
can walk it for you.
208. Obstacles cannot stop you. Problems cannot stop you. Most of all, other people
cannot stop you. Only you can stop you.
209. A strong person is not the one who does not cry. A strong person is the one who
is quiet and sheds tears for a moment, then picks up the sword and fights again.
210. The only thing that is consistent is change.
211. Change is difficult.
212. Nothing changes except what has to.
213. We are what we repeatedly do. Therefore, excellence is NOT an Actit is a
Habit.
214. You should only control what you can control.
215. The decision is the tough part.
216. Open your arms to change. However, do not let go of your values.
217. No one changes unless they want to. Not if you beg them to change. Not if you
shame them to change. Not if you use Reason or Emotion or Tough Love to
change. There is only one thing that can make someone change: It is their own
realization that they need to change.
218. Follow the three R’s: Respect for Self, Respect for Others and Responsibility for
all of your Actions.

219. You cannot escape the responsibility of tomorrow by evading it today.
220. Characterize People by their actions, and you will never be fooled by their words.
221. If I am honest with you, then you may not like me for a day or two. However, if I
lie to you, then you will hate me for a lifetime.
222. A person should not do anything they could not tell their Mother about.
223. We all came in on different ships. However, we are all in the same boat now.
224. You are never as good as you think you are and never as bad as you think you
are.
225. Nothing you do is wrong, if you have good intentions.
226. No good deed goes unpunished.
227. Practice an attitude of gratitude.
228. Attitudes are Contagious. Is your Attitude worth catching?
229. Clear your mental and emotional space and your vision will improve.
230. Principals above personalities.
231. When you realize you made a mistake, then take immediate steps to correct it.
232. You either get better or you get bitter - take what’s been dealt and make yourself
a better person - or allow it to tear you down. The choice belongs to you.
233. A moment of patience in a moment of anger saves you a thousand moments of
regret.
234. Accept what is, let go of what was, and have Faith in what will be.
235. There are Tall Ships. There are Small Ships. But of all the Ships in the Sea. The
Best Ships are Friendships. So here is to you and here is to me.
236. Do not let a dispute injure a great friendship.
237. In disagreements with loved ones, deal only with the current situation. Do not
bring up the past.
238. What goes around comes around.
239. There is no excuse for bad behavior.
240. No matter how much dirt you throw at someone else, you will always be dirtier.

241. There will always be people in your life who treat you wrong. Be sure to THANK
them for making you Strong.
242. Say what you Mean. Mean what you say. Just do not say it Mean.
243. Sometimes not saying anything is the best answer. Silence can never be
misquoted.
244. Do not purposely hurt anyone.
245. Respect is earned, Honesty is appreciated, Trust is gained and Loyalty is
returned.
246. You do not earn Loyalty in a Day. You earn Loyalty Day by Day.
247. The only thing that should be separated by color is laundry.
248. We all have one address Planet Earth!
249. A pleasure shared is a pleasure doubled.
250. Life is Nothing when we get Everything. But Life is Everything when we miss
something. However, the Value of People is only realized in their absence.
251. Remember that the best relationship is one in which your love exceeds your
need for each other.
252. Never regret a day in your life. Good days give happiness. Bad days give
experience. Worst days give lessons. Best days give memories.
253. Life requires you to have P and P Pride and Passion.
254. Do not wait for the Perfect Moment. Take a Moment and Make it Perfect.
255. Give love as long as you have love to give.
256. A loving atmosphere in your home is the foundation for your life.
257. May love and laughter light your days, warm your heart and your home. May
good and faithful friends be yours wherever you may roam.
258. You can make more friends in Two Months by becoming interested in other
people than you can in Two years by trying to get other people interested in
you.
259. In the end, only three things matter: How much you loved. How gently you lived.
And how gracefully you let go of the things not meant for you.
260. Be the Person others said you would never Be.

261. Do not party unless you are together.
262. The Love You Take Must Be Equal To The Love You Make.
263. You are the sum of the 5 people you spend the most time with.
264. Home is just another word for you.
265. If love does not last forever, then what is forever for?
266. Remember To love and be loved is life itself, without which we are nothing.
267. If people say that Love Never Lasts Forever then what is Forever for?
268. Love is giving someone the power to break your heart and trusting them not to.
269. Worry about Loving yourself, instead of Loving the idea of other people Loving
you.
270. The fundamental glue to all relationships is trust.
271. Forever is going to start tonight. Once I was falling in love and now I am falling
apart.
272. You should kiss someone like it is your first kiss and your last kiss.
273. If you give love and you do not get love, you must let love go.
274. Love can only be measured from the moment of parting.
275. The Heart has its reasons which Reason knows nothing of.
276. The secret to living well and longer is: Eat half, walk double, laugh triple and
Love without measure.
277. Communication is the Lubrication.
278. Discussions are always better than arguments because an argument is to find
out who is right and a discussion is to find what is right.
279. Never go to bed angry.
280. You cannot use too much emotional energy to make a relationship work.
281. A relationship should not be what it HAS to be.
282. Friends are our chosen family.
283. I have learned that people will forget what you said. People will forget what you
did. However, people will Never Forget how you made them Feel.

284. The first to Apologize is the Bravest. The first to Forgive is the Strongest. The
first to Forget is Happiest.
285. A sorrow shared is a sorrow halved.
286. In a relationship, if the pain of staying is greater than the pain of leaving, then you
must leave.
287. Pain is inevitable. Suffering is optional.
288. Time washes clean loves wounds unseen.
289. Very often silence is sometimes the best answer.
290. Spend some time alone every day.
291. Approach Love, Cooking And Wine With Reckless Abandon.
292. NMND (No Meal No Deal)
293. It is better to taste wine on wine then wine on water.
294. I never heard of a wine brawl. However, I have heard of a beer brawl.
295. A moment on the lips is a lifetime on the hips.
296. A Little Cheese With That Whine.
297. Friends do not let friends Wine alone.
298. Life Is Too Short To Drink Cheap Wine.
299. Every time I open a bottle of wine, it is an amazing trip somewhere.
300. Life is short. Drink the good wine first.
301. Is the juice worth the squeeze?
302. Eat to beat the Heat Eat Jalepenos.
303. The same Boiling Water that softens the Potato also hardens the Egg. It is about
what you are made of NOT the Circumstances.
304. If you are not at the Table, then you are only on the Menu.
305. Clothes Do Not Make The Man They Make The Difference.
306. It is not the Dress...it is the Peg it hangs on.
307. A Checker gets what a Checker Checks.
308. The Best Chiefs Make The Best Indians.

309. W.I.I.I.F.M...What Is In It For Me?
310. You cannot get enough of what you do not need.
311. It is like dj vu all over again.
312. Do not regret getting old. It is a privilege not granted to many.
313. We may play different instruments but we are all in the same orchestra.
314. I may have been born at night...but not last night.
315. Watch your thoughts. They become words. Watch your words. They become
actions. Watch your actions. They become habits. Watch your habits. They
become character. Watch your character. It becomes your destiny.
316. Someone Who Does Not Trust Cannot Be Trusted.
317. I will not let anyone walk through my mind with their dirty feet.
318. Trying to get everyone to like you is a sign of mediocrity. You will avoid the tough
decisions and you will avoid confronting people who need to be confronted.
319. Do not worry about those who do not like you. Worry about those who pretend to
like you.
320. Sometimes I go into my own world. However, that is fine because they know me
there.
321. If you are waiting on me, you are backing up.
322. Anything that is not actually impossible can be done, if one really sets their mind
to do it and is determined that it shall be done.
323. Your mind is like a Parachute. The only way it can work is if it is open.
324. Nothing is Impossible. The word itself says I’m Possible!
325. It is not what you know. It is not who you know. It is who knows you.
326. Harriet Tubman was the Conductor of the Underground Railroad for 8 years. She
was one of the only. Conductors who never ran the train off the Track and
NEVER lost one Passenger.
327. Focus on the Step in Front of You Not on the Entire Staircase.
328. Empathy and Imagination always try to develop the powers to include them in
your life.
327. A House is made of Walls and Beams. A Home is made of Love and Dreams.

328. Let your Dreams be Bigger than your Fears, Your Actions be Louder than your
Words, and your Faith Stronger than your Feelings.
329. It is Not what you Do. It is How you Do It. It is Not what you See. It is How you
Look at It. It is Not how your Life Is. It is How you Live It.
330. You cannot Leave those who created the problem in charge of the solution.
331. Nothing is Impossible. The word itself says I’m Possible.
332. Good things come to those who BELIEVE. Better things come to those who are
Patient. The Best things come to those who do not give up.
333. A Leader should not plant more Trees than they cut down.
334. There are Tall Ships. There are Small Ships. But of all the Ships in the Sea. The
Best Ships are Friendships. So here is to you and here is to me
335. We learn something from Everyone who passes through our lives. Some lessons
are Painful. Some Lessons are Painless. But all the Lessons are Priceless.
336. Accept your Past without Regret, Handle your Present with Confidence and Face
your Future without Fear.
337. The same Boiling Water that softens the Potato also hardens the Egg. It is about
what you are made of NOT the circumstances.
338. You Do Not earn Loyalty in a Day. You earn Loyalty Day by Day.
339. Do not wait for the Perfect Moment. Take a Moment and make it Perfect.
340. Nothing Changes except what has to.
341. Life is Nothing when we get Everything, but Life is Everything when we miss
something. Value of People though is only realized in their absence.
342. To Succeed in Life you need only Three Bones: A Wishbone; and A Backbone;
and A Funnybone.
343. The Simplest Toy that even the youngest child can operate is a GRANDPARENT
344. It is Not who you Are underneath. It is what you Do that defines who you Are.
345. Competitors do not make Excuses.
346. Be the Person others said you would never be.
347. Work for a Cause Not for Applause. Live Life to Express Not to Impress. Do not
strive to make your presence noticed Instead make your Absence felt.

348. The Past is there to be learned from Not to be Lived In.
349. No one changes unless they want to. Not if you Beg them to change. Not if you
Shame them to change. Not if you use Reason or Emotion or Tough Love to
change. There is only one thing that can make someone change: It is their own
realization that they need to change.
350. If Love Does Not Last Forever. Then What is Forever For?
351. Everyone can get their chance. Just be ready.
352. Life can be a long road with Speed Bumps but it can be worth the Journey.
353. Empathy and Imagination always try to develop the powers to mold them into
your life.
354. Your mind is like a parachute. The only way it can work is if it is open.
355. Life requires you to have P and P Pride and Passion.
356. You should always try to be inquisitive as opposed to being judgmental. Seek the
truth and surrender to it.
357. Always try something new. But do not be afraid of making mistakes.
358. In living every day always remember that something is lost but something is
always gained.
359. You can make more friends in Two Months by becoming interested in other
people than you can in Two Years by trying to get other people interested in
you.
360. If you forget the Past then you will repeat the Past.
361. Attitudes are contagious. Is your Attitude worth catching?
362. Just as one Cannot Live without Dreams one Cannot Live without Hope. If
Dreams reflect the Past then Hope summons the Future.
363. Today instead of being upset by all the things that are wrong I would suggest
that you be thankful for all the things that are right. Always remember LIFE IS
NOT About Having What You Want It Is About Wanting What You Have Got.
364. Working hard for something that we do not care about is called Stress. Working
hard for something that we love is called Passion.
365. There is a superhero inside of all of us. We just need the courage to put on the
Cape.

366. If serving is Below you, then Leadership is Beyond you.
367. Always remember the Past, Live in the Present and look forward to the Future.
368. Education is our Passport to the Future. Tomorrow belongs to the people who
prepare for it today.
369. The beautiful thing about learning is that no one can take it away from you.
370. Do you let what you cannot do stop you from doing what you can do?
371. Winning does not always mean being first. Winning means you are doing better
than you have done before.
372. If you Dream it, then you can do it.
373. You cannot go back and change the beginning. However, you can start where
you currently are and change the ending.
374. It is the mark of an educated mind to be able to entertain a thought without
accepting it.
375. Happiness held is the seed. Happiness shared is the flower.
376. A great man is hard on himself. A small man is hard on others.
377. Wise men speak because they have something to say. Foolish men speak
because they have to say something.
378. The past is your Lesson. The present is your Gift. The future is your Motivation.
379. Hope is wishing something will Happen. Faith is believing something will Happen.
Courage is making something Happen.

380. At times you must hurt in order to Know. Or fall in order to Grow. Or lose in order
to Gain. This is because many lessons from life are learned through Pain.
381. Do not Choose to Love the most Beautiful Person in the World. Choose to Love
the One Who makes your world Beautiful.
382. The Man Who Moves a Mountain Begins by Carrying away Small Stones.
383. There is a purpose for everyone you meet. Some people come into your life to
test you. Some come into your life to teach you. Some come into your life to use
you. And some come into your life to bring out the very best in you.

384. You become an inspirational leader when you have the humility to build a Team
with people more talented then you.
385. RESPECT is like a mirror. The more you show it to other people the more it will
reflect back on you.
386. When you fully trust someone without any doubt then you finally get one of two
results: Either: A Person for Life or A Lesson for Life
387. Life is like an Elevator. Sometimes on the way up you have to stop and let
some people off.
388. Passion is an Output that comes from working toward something you believe in.
389. It is hard to be a Lover when you say you are only in it for the Fun.
390. Try to Accept what is. Let Go of what was. And have Faith in what will be.
391. Always remember that Givers will always Gain.
392. Your Lies Shall Enslave You and Your Truths Shall Set You Free.
393. At times, our own light goes out and is rekindled by a spark from another person.
Each of us has cause to think with deep gratitude of those who have lit the flame
within us.
394. Kindness is Loaning Someone your Strength, Instead of Reminding Them of
Their
Weakness.
329. There is No Such Thing As Creativity Only Undiscovered Plagiarism.
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