Tag Archives: riches

We were assigned to join our site visit for Go Negosyo of the Department of Trade and Industry. We were set to assembly by 7 A.M. so I had to rise up early. I know I'm really usually early, but I have to make it there by 7 A.M. Fortunately, I was able to wake up early, and yes, was able to come to the assembly are, Negosyo Center on time. 
We were provided with a Starex Van for the transportation, for free, courtesy of DTI. 
Our first stop is in Mananum Bago, Medina, Misamis Oriental. It's MABFARMCO! A cooperative organized by Women in the Barangay. They've been existing since 2001 but was only recently able to start this buko pie making operation.
I got excited when I learned what was their product! I am really a fan of buko pie. I first fell in love with buko pies when my girl friend brought me one from Nueva Ecija, I think? (I hope I'm right). And yeah, it was so yummy! I wanted to eat buko pie more often. But it's not available here in Cagayan de Oro. At least not to my knowledge. So when I was told that our first stop is the place of production of buko pie, there's this exhilarating feeling inside me. Haha!
We arrived at the first destination around a few minutes after ten o'clock in the morning. We actually hungry. As we entered the premises, the women of MABFARMCO are already working on their craft. 
The busy ladies behind the buko pie of MABFARMCO!
We were also welcomed by the Cooperative with the Barangay Captain of Mananum Bag-o. 
The Barangay Captain who has been the father of the Cooperative, providing aid in ways he can to improve the cooperative's operation. He's also there when we had our visit. 
My colleagues started the inquisition. They've asked questions regarding the different aspects of operation from the women and from the Barangay Captain. Amazingly, ideas are flowing. 
Of course, in every trip, someone has to take pictures, you can see in the photos I captured someone is also, actually, taking pictures. Haha selfies should never be missing in every stop. haha 
The inquisition continues, questions here and there, pictures every where, we checked every part of the site. We were also informed, that they follow strict compliance of sanitation, and operational quality control to pass the examination of BFAD so they could also get a wider market once they got certification from the BFAD.
Go on ladies, don't bother us. We'd love watching you prepare your yummy buko pies. We'd love to know how you prepare them. 
Of course, it's buko pie. Expect buko! haha this is the first of the process, extracting the buko meat from its shell. These ladies are really wearing their mask while in the operation, to avoid contamination and well, compliance to the requirements.
Someone volunteered to take a picture with me on it. Thanks sir Alvin! You felt the need to volunteer so I could also be seen in the documentation! Haha 
Once the buko is extracted, it will be cooked here, with some mixes so it will become the buko filling of the pie. This was not yet cooked, it was just placed in the pan.
These bright minds here are discussing business strategies and processes to improve the cooperative's operation. I am amazed at how they've intricately examined the process and tried to give some inputs on improving their business operation. Well, that's what we are there for. We are consultants, and we ought to give some inputs. Good job guys!
I am also delighted to have seen this. It's simple! Their Vision and Mission!
Let me translate (feeling english expert)

VISION: "A God-fearing community united. Peaceful, progressive, enduring and honestly abiding with the law."

MISSION: "Strengthening the cooperative through constant evaluation by the members. Making projects intended for the growth/development of the cooperative and its members, through the use of latest technologies for an enduring farming and business." 

And these are the boxes for their finish products. Medina's choice, Buko Pie!
Making of the dough to be filled with buko. Contains flour and butter! I don't know the mix. But I was told it's made of flour and butter, and I don't know what else. haha
And these are the finish products. These were already chilled. The buko pie tastes better, according to them, when it's chilled.  So they want us to experience eating what they're making. 
Thanks Ates for the generosity. We've enjoyed your buko pie.
These oven and other equipments are provided by the government through the Department of Trade and Industry. The DTI is looking on other ways to improve and actually provided assistance in procuring for these types of businesses the equipments they needed but that they can't afford to acquire on their own. 
These are the cooked filling of the buko pie.
The ideas of these bright minds couldn't run out. So our guide had to stop the discussion and yeah, we have to head to the next stop. 
We left thinking about the pressing concern of this cooperative. They are proud to advertise that their product is 100% no preservatives! However, because of that, their product can only live up to 3 days according to Department of Science and Technology (DOST). But with an insider note, if refrigerated, the product could actually last up to 7 days. 
The real issue is, if they want to penetrate a larger market. But to do so, would be to require a product with a longer life. Not just 3 days. Considering that they are far from the City of Cagayan de Oro where malls are thriving. 
Hmmm, now I'm still thinking of ways to address the concern..
Our next destination is.....
The next stop! Yes, the handicraft bags, purse, wallets, chair cover, etc.
We've met the dynamic, and full of enthusiasm, 76-year old lady. She ushered us into their home and their facility where they weave, and make their products. 
These are some of their products, those are actually by product of the weaving. So nothing will go to waste, they create a bag out of the excess or wastes of the weaving operation.
Some works of art of the owner, very artistic good for decorations and souvenirs.
These are their weaving equipment. Production area. 
I also happened to spot their certificates and awards. They've had quite a collection of awards and certificates! Proves to established their brand, their quality, their craft!
And this guy right here, can't stop smiling out of amazement! Or out of being full! Haha we've had unlimited supplies of food. LOL!
Another craft that the artists of this establishment has made. 
And these are the output of their weaving. Placemats, table cloth, etc. The hats are inherited from the owner's great great grand parents. This establishment showcases culture and heritage! 
Another set of products! And hey, spot the upper part, another collection of certificates and awards!
The ladies can't help but open the collection of designer bags and purses. They really are girls! Bags! Yeah! Girls! haha
And they also can't help but climb up the room of the artist and have a picture taken with these finish products! haha 
These are also great boxes, containers, and souvenir items, good for gifts and even give aways during special occasions. 
More bags! More products! Classic and modern designs!
And we cannot allow leaving here, without actually seeing how they do it. So a man obliged to demonstrate how to weave. Now we're informed it's not that easy, and this would also explain why these items are priced the way they are priced. But if you buy from this establishment itself, you'd enjoy a discount! Yes, still relatively cheaper!
Even Christmas decoration are hand made! Really amazing business!
Then, we'd have to leave. Oh wait! Just to let you know! We've had our lunch there! Thanks Tita Esme for being so hospitable, we've bothered you a lot! Haha we enjoyed the food! The chicken are just awesome! And the "biko", yeah! It's delicious! Thank you so much!
Our next site is the processing plant of another cooperative in Balingasag. Their products are bottled bangus, boneless bangus, etc. They have a fish processing plant! And it's a bright day, so I can't miss taking a picture of the bright blue sky!
This cooperative is composed of women in Balingasag. They've organized themselves into a Women's Federation and was able to create a cooperative and the cooperative has made a fish processing plant. Isn't that amazing? 
As we entered the premises, inside the plant was this lady smiling at us as she was doing her job.
I spotted they have a quality control section. Unfortunately, they were not processing fish that day, so we haven't seen an actual process of deboning the "Bangus" (milk fish). But it's amazing that they are very strict with the facility usage and area. BFAD is imposing so much requirements to ensure the quality of the food they produce.
This was the deboning section. Fish would first enter this area. 
And yes, more inquisition happened. They were asking about the process, the product, the ingredients, etc.
See, very enthusiastic inquisition session! What's the matter Mr. Doblas? haha
These are the ingredients. Very basic! Carrots, pepper, I'm not sure what that green one is, and yeah, that is salt, oil and msg.
To finally satisfy our interest of seeing how this delicious bottled bangus are prepared, they've demonstrated how they are going to do the "bottling" of these bangus! 
Ate did not know I took a picture of her uniform. Good shirt ate! πŸ™‚
The finish products!
Again, it's good that they have good business practice. Organizational structure is displayed in their premises. 
Even their mission and vision! Now it's in english! I don't have to translate it! haha
Next stop! Another bottled fish! Sardines! Yeah! This is in Jasaan!
Alright busy buddies, stop the questioning please! I'm hungry once again! hahaha
I can't focus on the questioning when I can see these food! Banana! "Saging!" Waaaah!
And now I'm drooling! haha Camote! (Sweet Potato!)
The new endorser of the sardines!!Hey there Mr. Doblas! 
Look who can't wait to devour the food? haha Atty! Wait! haha
It was on that place where we really really really had enough food! haha I mean yeah, we had "ginamos", "saging", "camote"! Ahhh that was heaven! ahahah Puto was also served, fruits! Soft drinks! What can we ask for? Everything's there! Plus we get to taste their product! Spanish sardines? 
After we've once again filled our stomach, we headed for another handicraft site. Interesting designs welcomed us in this room.
I love these designs of lamp. These are the designs of a local artist.
Office wares are also available. Artistic handicraft materials are also displayed. Look at these!
The lamp is just amazing! It's great in a living room. Or even in your room! πŸ™‚ Adds to being romantic? 
Yeah guys, I know you have so much questions on mind! Go ahead! Fire! Hahaa
These are the ladies actually making the handicrafts! Good job ladies! Awesome products you have here!
We ended up ordering something. I was even thinking of bringing their product in the city! Hmmm, business idea! haha
Generally, we've observed that the common challenge for these enterprises is that they have encountered incidents when they said "No" to a demand just because they can't produce the required order. It's sad, because that could have been a great sale! That could have been a start of a greater business transaction. These establishments have declined mass orders because their production capacity is insufficient, or their manpower is insufficient. That's common to all these businesses. We have to come up with a recommendation to address this common issue.
So, in sum, I am thanking DTI for allowing me to join this site visit/tour! We've enjoyed so much! A lot of fun! And this site visit/tour has encouraged most of us to also be more entrepreneurial. Think about a business that we'd want to start. And think which of these businesses we'd want to help. Quite an experience! I would love to join another tour in another area again, if given another opportunity! I've learned a lot. A fun-filled day and experience! Great job guys! Go Negosyo! πŸ™‚

He was rated "dull, slow, and impractical" by his teachers and was asked to leave college. Despite this negative start, he was awarded a patent for the rotary steam engine before he turned twenty. His next invention, a device that put derailed trails back on track, was purchased by virtually every railroad in his country. Before this man's creative life was over, he patented over four hundred inventions and amassed an industrial empire that few have equalled. 
Even though he was disabled near the end of his life, he continued to invent, using his wheelchair to transport him from one project to another. He died surrounded by the sketches of his latest project - the motorized wheelchair.
The man labeled as "impractical and dull" was named George Westinghouse. He refused to accept the negative opinions of those around him and instead chose to become one of the richest and most creative men in history. I hope you choose to believe in yourself and strive for your goals even if others express negative opinions of your abilities.

With the right attitude and a touch of humor you can do what Mal Hancock did. Mal took the proverbial lemon of a paralyzing fall and turned that tragedy into real-life lemonade. Mal was in high school, facing a promising career in athletics, when a fall paralyzed him from the waist down. He endured some heartbreaking days trying to make the mental and physical adjustments.
There are no guarantees, as Mal Hancock learned, that life will be a bed of roses. On the contrary, you can count on facing some very strange events, but if you learn to face the unexpected with humor and optimism, you too can come out on top. While in the hospital Mal began to draw the scenes around him. Rather than complain about the nurse waking him at 3:00 A.M. for a sleeping pill, he drew a cartoon about it that made the point with a laugh. Soon all the nurses in the hospital were coming by to see what Mal had chosen to draw.
It wasn't long before he had sold one of those cartoons to a magazine. That single sale launched him into a successful career as a cartoonist. Today Mal Hancock's name can be read on cartoons in the Saturday Evening Post and T.V. Guide. Incidentally, his first book was called - you guessed it - Hospital Humor. (See full story here).
Mal learned a lesson which can be important to all of us. Even when you can't do anything about a situation (such as being paralyzed), you can do a lot about your attitude toward the situation.
As you begin your day, think about this and complete the second sentence:
  1. Today I will laugh with others as often as possible, remembering to take my family and my business seriously, but not to take myself too seriously.
  2. Today I will _____________________________________.

Are you "Money Conscious" or "Poverty Conscious"?
Poverty is attracted to the one whose mind is favorable to it, as money is attracted to him whose mind has been deliberately prepared to attract it, and through the same laws. Poverty consciousness will voluntarily seize the mind which is not occupied with the money consciousness. A poverty consciousness develops without conscious application of habits favorable to it. The money consciousness must be created to order, unless one is born with such a conscience. 
Catch the full significance of the statements in the preceding paragraph, and you will understand the importance of persistence in the accumulation of a fortune. Without persistence, you will be defeated, even before you start. With persistence you will win.
If you have ever experienced a nightmare, you will realize the value of persistence. You are lying in bed, half awake, with a feeling that you are about to smother. You are unable to turn over, or to move a muscle. You realize that you must begin to regain control over your muscles. Through persistent effort of will-power, you finally manage to move the fingers of one hand. By continuing to move your fingers, you extend your control to the muscles of one arm, until you lift it. Then you gain control over the muscles of one leg, and then extend it to the other leg. Then - with one supreme effort of will - you regain complete control over your muscular system, and "snap" out of your nightmare. The trick has been turned step by step.
How to "Snap Out of" Mental Inertia.
You may find it necessary to "snap out of" your mental inertia, through similar procedure, moving slowly at first, then increasing your speed, until you gain complete control over your will. Be persistent no matter how slowly you may, at first, have to move. With persistence will come success.
If you select your "Master Mind" group with care, you will have in it at least one person who will aid you in the development of persistence. Some men who have accumulated great fortunes did so because of necessity. They developed the habit of persistence, because they were so closely driven by circumstances, that they had to become persistent. 
Those who have cultivated the habit of persistence seem to enjoy insurance against failure. No matter how many times they are defeated, they finally arrive up toward the top of the ladder. Sometimes it appears that there is a hidden Guide whose duty is to test men through all sorts of discouraging experiences. Those who pick themselves up after defeat and keep on trying, arrive; and the world cries.  "Bravo! I knew you could do it!" The hidden Guide lets no one enjoy great achievement without passing the persistence test. Those who can't take it simply do not make the grade. 
Those who can "take it" are bountifully rewarded for their persistence. They receive, as their compensation, whatever goal they are pursuing. That is not all! They receive something infinitely more important than material compensation - the knowledge that "every failure with it the seed of an equivalent advantage."

I got this from a post of one of my friends. I enjoyed reading it. I may not have done everything here, but I could say I could pass 50% in enjoying life. 

  1. Get up 15 minutes earlier.
  2. Prepare for the morning the night before. 
  3. Don't rely on your memory. . .write things down.
  4. Repair things that don't work properly.
  5. Make Duplicate Keys.
  6. Say "No" more often.
  7. Set priorities in your life.
  8. Avoid negative people. 
  9. Always make copies of important papers.
  10. Ask for help with jobs you dislike.
  11. Break large tasks into bite sized portions.
  12. Look at problems as challenges.
  13. Smile more.
  14. Be prepared for rain.
  15. Believe in you.
  16. Visualize yourself winning. 
  17. Develop a sense of humor.
  18. Stop thinking, tomorrow will be a better today.
  19. Have goals for yourself.
  20. Say hello to a stranger. 
  21. Look up at the stars.
  22. Practice breathing slowly.
  23. Do brand new things.
  24. Stop a bad habit.
  25. Take a stock of your achievements. 
  26. Do it today.
  27. Strive for excellence. 
  28. Not perfection.
  29. Look at a work of art.
  30. Maintain your weight.
  31. Plant a tree.
  32. Stand up and stretch.
  33. Always have a plan B.
  34. Learn a new doodle.
  35. Learn to meet your own needs.
  36. Become a better listener.
  37. Know your limitations. 
  38. Let others know them too.
  39. Throw a paper airplane.
  40. Exercise every day.
  41. Get to work early.
  42. Clean out one closet.
  43. Take a different route to work.
  44. Leave work early (with permission). 
  45. Remember you always have options.
  46. Quit trying to "fix" other people.
  47. Get enough sleep.
  48. Praise other people.
  49. Relax, take each day at time...
  50. You have the rest of your life to live.
Let's enjoy life by doing some of the things listed here. May we get all the perks of an enjoyable life! May we all stay positive and vibrant in all our activities. πŸ™‚

This post, will not be tackling sex as a moral issue, but as something that has an effect on our mind. In Napoleon Hill's book, he recognized that man is a sexual being, and with it may come some good things (transmutation). 
To a lay man who is conservative, this post may be disturbing, but the book of Napoleon actually well defended what he is saying. This would somehow intrigued many, and perhaps, the reason why you are here, because you were curious what this post have to say. So let me just share what I've read from Napoleon's book "Think and Grow Rich". 
Geniuses are created through the responses to stimuli. What are the stimuli to which the mind responds freely?
The emotion of sex has back of it the possibility of three constructive potentialities. They are:
  1. The perpetuation of mankind.
  2. The maintenance of health (as a therapeutic agency, it has no equal).
  3. The transformation of mediocrity into genius through transmutation. 

Sex transmutation is simple and easily explained. It means the switching of the mind from thoughts of physical expression, to thoughts of some other nature.
Sex desire is the most powerful of human desires. When driven by this desire, men develop keenness of imagination, courage, will-power, persistence, and creative ability unknown to them at other times. So strong and impelling is the desire for sexual contact that men freely run the risk of life and reputation to indulge it. When harnessed, and redirected along other lines, this motivating force maintains all of its attributes of keenness of imagination, courage, etc., which may be used as powerful creative forces in literature, art, or in any other profession or calling, including, of course, the accumulation of riches.
The transmutation of sex energy calls for the exercise of willpower, to be sure, but the reward is worth the effort. The desire for sexual expression is inborn and natural. The desire cannot, and should not be submerged or eliminated. But it should be given an outlet through forms of expression which enrich the body, mind and spirit of man.  If not given this form of outlet, through transmutation, it will seek outlets through purely physical channels.
A river may be dammed, and its water controlled for a time, but eventually, it will force an outlet. The same is true of the emotion of sex. It may be submerged and controlled for a time, but its very nature causes it to be ever seeking means of expression. If it is not transmuted into some creative effort it will find a less worthy outlet.
Ten Stimuli of the Mind

The human mind responds to stimuli, through which it may be "keyed up" to high rates of vibration, known as enthusiasm, creative imagination, intense desire, etc. The stimuli to which the mind responds most freely are:

  1. The desire for sex expression.
  2. Love.
  3. A burning desire for fame, power, or financial gain, money.
  4. Music.
  5. Friendship between either those of the same sex, or those of the opposite sex.
  6. A Master Mind alliance based upon the harmony of two or more people who ally themselves for spiritual or temporal advancement.
  7. Mutual suffering, such as that experienced by people who are persecuted.
  8. Autosuggestion.
  9. Fear.
  10. Narcotics and alcohol.
The desire for sex expression comes at the head of the list of stimuli, which most effectively "step up" the mind and start the "wheels" of physical action. Eight of these stimuli are natural and constructive. Two are destructive. The list is here presented for the purpose of enabling you to make a comparative study of the major sources of mind stimulation. From this study, it will be readily seen that the emotion of sex is, by great odds, the most intense and powerful of all mind stimuli.
Some wiseacre has said that a genius is a man who "wears long hair, eats queer food, lives alone, and serves as a target for the joke makers." A better definition of a genius is, "a man who discovered how to increase the intensity of thought to the point where he can freely communicate with sources of knowledge not available through the ordinary rate of thought."
If you learned, believed or disturbed about this post, please feel free to buy and read Napoleon Hill's book. There are practical applications of his book into life, which helped couple of successful attain the peak of their mountainous goals.
(photo grabbed online. I don't own them. http://www.abc.net.au/reslib/200803/r235728_948390.jpg) 
Feel free to share if you think people could also learn from this, or hit like on my page to subscribe to more posts. Thanks for your time. πŸ™‚


According to Napoleon Hill's "Think and Grow Rich" there are thirty-one major reasons or failure. As you go over the list, check yourself by it, point by point, for the purpose of discovering how many of these causes-of-failure stand between you and success.

  1. Unfavorable hereditary background. There is but little, if anything, which can be done for people who are born with a deficiency in brain power. This philosophy offers but one method of bridging this weakness - through the aid of the Master Mind. Observe with profit, however, that this is the only one of the thirty-one causes of failure which may not be easily corrected by any individual.
  2. Lack of a well-defined purpose in life. There is no hope of success for the person who does not have a central purpose, or a definite goal at which to aim. Ninety-eight out of every hundred of those whom I have analyzed had no such aim. Perhaps this was the major cause of their failure. 
  3. Lack of ambition to aim above mediocrity. We offer no hope for the person who is so indifferent as not to want to get ahead in life, and who is not willing to pay the price. 
  4. Insufficient education. This is a handicap which may be overcome with comparative ease. Experience has proven that the best-educated people are often those who are known as "self-made," or self-educated. It takes more than a college degree to make one a person of education. Any person who is educated is one who has learned to get whatever he wants in life without violating the rights of others. Education consists, not so much of knowledge, but of knowledge effectively and persistently applied. Men are paid, not merely for what they know, but more particularly for what they do with that which they know.
  5. Lack of self-discipline. Discipline comes through self control. This means that one must control all negative qualities. Before you can control conditions, you must first control yourself. Self-mastery is the hardest job you will ever tackle. If you do not conquer self, you will be conquered by self. You may see at one and the same time both your best friend and your greatest enemy, by stepping in front of a mirror.
  6. Ill health. No person may enjoy outstanding success without good health. Many of the causes of ill health are subject to mastery and control. These in the main are, (a) overeating of foods not conducive to health. (b) wrong habits of thought; giving expression to negatives. (c) wrong use of, and over-indulgence in sex. (d) lack of proper physical exercise. (e) an inadequate supply of fresh air, due to improper breathing.
  7. Unfavorable environmental influences during childhood. "As the twig is bent, so shall the tree grow." Most people who have criminal tendencies acquire them as the result of bad environment, and improper associates during childhood.
  8. Procrastination. This is one of the most common causes of failure. "Old Man Procrastination" stands within the shadow of every human being, waiting his opportunity to spoil one's chances of success. Most of us go through life as failures, because we are waiting for the "time to be right" to start doing something worthwhile. Do not wait. The time will never be "just right." Start where you stand, and work with whatever tools you may have at your command, and better tools will be found as you go along.
  9. Lack of persistence. Most of us good "starters" but poor "finishers" of everything we begin. Moreover, people are prone to give up at the first signs of defeat. There is no substitute for persistence. The person who makes persistence his watch-word, discovers that "Old Man Failure" finally becomes tired, and makes his departure. Failure cannot cope with persistence.
  10. Negative personality. There is no hope of success for the person who repels people through a negative personality. Success comes through the application of power, and power is attained through the cooperative efforts of other people. A negative personality will not induce cooperation. 
  11. Lack of controlled sexual urge. Sex energy is the most powerful of all the stimuli which move people into action. Because it is the most powerful of the emotions, it must be controlled, through    transmutation, and converted into other channels.
  12. Uncontrolled desire for "something for nothing." The gambling instinct describes millions of people to failure. Evidence of this may be found in a study of the Wall Street crash of '29 , during which millions of people tried to make money by gambling on stock margin.
  13. Lack of a well defined power of decision. Men who succeed reach decisions promptly, and change them, if at all, very slowly and change them frequently, and quickly. Indecision and procrastination are twin brothers. Where one is found, the other may usually be found also. Kill off this pair before they completely "hog-tie" yo to the treadmill of failure.
  14. One or more of the six basic fears. These fears have been analyzed for you in a later in a separate blog. They must be mastered before you can market your services effectively.
  15. Wrong selection of a mate in a marriage. This is a most common cause of failure. The relationship of marriage brings people intimately into contact. Unless this relationship is harmonious, failure is likely to follow. Moreover, it will be a form of failure that is marked by misery and unhappiness, destroying all signs of ambition.
  16. Over-caution. The person who takes no chances generally has to take whatever is left when others are through choosing. Over-caution is as bad as under-caution. Both are extremes to be guarded against. Life itself is filled with the element of chance. 
  17. Wrong selection of associates in business. This is one of the most common causes of failure in business. In marketing personal services, one should use great care to select an employer who will be inspiration, and who is, himself, intelligent and successful. We emulate those with whom we associate most closely. Pick an employer who is worth emulating.
  18. Superstition and prejudice. Superstition is a form of fear. It is also a sign of ignorance. Men who succeed keep on minds are afraid of nothing.
  19. Wrong selection of vocation. No man can succeed in a line of endeavor which he does not like. The most essential step in the marketing of personal services is that of selecting an occupation into which you can throw yourself wholeheartedly. 
  20. Lack of concentration of effort. The jack-of-all-trade seldom is good at any. Concentrate all your efforts on one definite chief aim.
  21. The habit of indiscriminate spending. The spendthrift cannot succeed, mainly because he stands eternally in fear of poverty. Form the habit of systematic saving by putting aside a definite percentage of your income. Money in the bank gives one a very safe foundation of courage when bargaining for the sale of personal services. Without money, one must take what one is offered, and be glad to get it.
  22. Lack of enthusiasm. Without enthusiasm one cannot be convincing. Moreover, enthusiasm is contagious, and the person who has it, under control, is generally welcome in any group of people.
  23. Intolerance. The person with a closed mind on any subject seldom gets ahead. Intolerance means that one has stopped acquiring knowledge. The most damaging forms of intolerance are those connected with religious, racial and political differences of opinion. 
  24. Intemperance. The most damaging forms of intemperance are connected with eating, strong drink, and sexual activities. Over-indulgence in any of these is fatal to success.
  25. Inability to cooperate with others. More people lose their positions and their big opportunities in life, because of this fault, than for all other reasons combined. It is a fault which no well-informed businessman or leader will tolerate.
  26. Possession of power that was not acquired through self-effort. (Sons and daughters of wealthy men, and others who inherit money which they did not earn). Power in the hands of one who did not acquire it gradually is often fatal to success. Quick riches are more dangerous than poverty.
  27. Intentional dishonesty. There is no substitute for honesty. One may be temporarily dishonest by force of circumstances over which one has no control, without permanent damage. But, there is no hope for the person who is dishonest by choice. Sooner or later, his deeds will catch up with him, and he will pay by loss of reputation, and perhaps even loss of liberty.
  28. Egotism and vanity. These qualities serve as red lights which warn others to keep away. They are fatal to success.
  29. Guessing instead of thinking. Most people are too indifferent or lazy to acquire facts with which to think accurately. They prefer to act on "opinions" created by guesswork or snap-judgments.
  30. Lack of capital. This is a common cause of failure among those who start out in business for the first time, without sufficient reserve of capital to absorb the shock of their mistakes, and to carry them over until they have established a reputation.
  31. Under this, name any particular cause of failure from which you have suffered has not been included in the forgoing list. 
In these thirty-one major causes of failure is found a description of the tragedy of life, which obtains for practically every person who tries and fails. It will be helpful if you can induce someone who knows you well to go over this list with you, and help to analyze you by the thirty-one causes of failure. It may be beneficial if you try this alone. Most people cannot see themselves as others see them. You may be one who cannot.

GA long while ago, a great warrior faced a situation which made it necessary for him to make a decision which insured his success on the battlefield. He was about to send his armies against a powerful foe, whose men outnumbered his own. He loaded his soldiers into boats, sailed to the enemy's country, unloaded soldiers and equipment, then gave the order to burn the ships that had carried them. Addressing his men before the first battle, he said, "You see the boats going up in smoke. That means that we cannot leave these shores alive unless we win! We now have no choice - we win - or we perish!"
They won.
Every person who wins in any undertaking must be willing to burn his ships and cut all sources of retreat. Only by so doing can one be sure of maintaining that state of mind known as a burning desire to win, essential to success.
The morning after the great Chicago fire, a group of merchants stood on State Street, looking at the smoking remains of what had been their stores. They went into a conference to decide if they would try to rebuild, or leave Chicago and start over in a more promising section of the country. They reached a decision - all except one - to leave Chicago.
The merchant who decided to stay and rebuild pointed a finger at the remains of his store, and said, "Gentlemen, on that very spot I will build the world's greatest store, no matter how many times it may burn down."
That was almost a century ago. The store was built. It stands there today, a towering monument to the power of that state of mind known as a burning desire. The easy thing for Marshall Field to have done would have been exactly what his fellow merchants did. When the going was hard, and the future looked dismal, they pulled up and went where the going seemed easier.
Mark well this difference between Marshall Field and the other merchants, because it is the same difference which distinguishes practically all who succeed from those who fail.
Every human being who reaches the age of understanding of the purpose of money wishes for it. Wishing will not bring riches. But desiring riches with a state of mind that becomes an obsession, then planning definite ways and means to acquire riches, and backing those plans with persistence which does not recognize failure, will bring riches.
(From Napoleon Hill's "Think and Grow Rich")

When Henley wrote the prophetic lines, "I am the master of my fate, I am the captain of my soul," he should have informed us that we are the masters of our fate, the captains of our souls, because we have the power to control our thoughts.
He should have told us that our brains become magnetized with the dominating thoughts which we hold in our minds, and, by means with which no man is familiar, these "magnets" attract to us the forces, the people, the circumstances of life which harmonize with the nature of our dominating thoughts.
He should have told us that before we can accumulate riches in great abundance, that we must magnetize our minds with intense desire for riches, that we must become "money conscious" until the desire for money drives us to create definite plans for acquiring it.
But, being a poet, and not a philosopher, Henley contented himself by stating a great truth in poetic form, leaving those who followed him to interpret the philosophical meaning of his lines.
Little by little, the truth has unfolded itself, until it now appears certain that the principles described in Napoleon's book hold the secret of mastery over our economic fate.
Let's look at the story of Napoleon's listener Jennings Randolph in his speech in a college commencement address. In his address he emphasized the principle described in his book with so much intensity that one of the members of the graduating class definitely appropriated it, and made it part of his own philosophy. The young man became a congressman and an important factor in Franklin D. Roosevelt's administration. He wrote him a letter in which he so clearly stated his opinion of the principle outlined in the book that he had chosen to publish the letter as an introduction to one of the chapters. 
It gives you an idea of the rewards to come.

My dear Napoleon,

My service as a member of Congress having given me an insight into the problems of men and women, I am writing to offer a suggestion which may become helpful to thousands of worthy people.

In 1922, you delivered the commencement address at Salem College, when I was a member of the graduating class. In that address, you planted in my mind an idea which has been responsible for the opportunity I now have to serve the people of my state, and will be responsible, in a very large measure, for whatever success I may have in the future.

I recall, as though it were yesterday, the marvelous description you gave of the method by which Henry Ford, with but little schooling, without a dollar, with no influential friends, rose to great heights. I made up my mind then, even before you had finished your speech, that I would make a place for myself, no matter how many difficulties I had to surmount.

Thousands of young people will finish their schooling this year, and within the next few years. Every one of them will be seeking just such a message of practical encouragement as the one I received from you. They will want to know where to turn, what to do, to get started in life. You can tell them, because you have helped to solve the problems of so many, many people.

There are thousands of people in America today who would like to know how they can convert ideas into money, people who must start at scratch, without finances, and recoup their losses. If anyone can help them, you can.

If you publish the book, I would like to own the first copy that comes from the press, personally autographed by you.

With best wishes, believe me.

Cordially yours,

Jennings Randolph 

Thirty-five years after he made that speech, it was his pleasure to return to Salem College in 1957 and deliver the bacalaureate sermon. At that time, he received an honorary Doctor of Literature degree from Salem College.
Since that time in 1922, he watched Jennings Randolph rise to become one of the nation's leading airlines executives, a great inspirational speaker and United States Senator from West Virginia. 

One sound idea is all that one needs to achieve success. The principles described in this book contain ways and means of creating useful ideas. 
When riches begin to come they come so quickly, in such great abundance, that one wonders where they have been hiding all those years.
This is an astounding statement, and all the more so when we take into consideration the popular belief that riches come only to those who work hard an long. 
When you begin to think and grow rich, you will observe that riches begin with a state of mind, with definiteness of purpose, with little or no hard work. You, and every other person, ought to be interested in knowing how to acquire the state of mind which will attract riches. I spent twenty-five years in research because, I too, wanted to know "how wealthy men become that way."
Observe very closely, as soon as you master the principles of this philosophy, and begin to follow the instructions for applying those principles, your financial status will begin to improve, and everything you touch will begin to transmute itself into an asset for your benefit. Impossible! Not at all!
One of the main weakness of mankind is the average man's familiarity with the word "impossible." He knows all the rules which will not work. He knows all the things which cannot be done. This book was written for those who seek the rules which have made others successful, and are willing to stake everything on those rules.
Success comes to those who become success conscious.
Failure comes to those who indifferently allow themselves to become failure conscious.
Another weakness found in altogether too many people is the habit of measuring everything, and everyone, by their own impressions and beliefs. Some persons who read this will believe that they cannot think and grow rich, because their thought habits have been steeped in poverty, want, misery, failure, and defeat.
These unfortunate people remind me of a prominent Chinese, who came to America to be educated in American ways. He attended the University of Chicago. One day President Harper met this young Oriental on the campus, stopped to chat with him for a few minutes, and asked what had impressed him as being the most noticeable characteristic of the American people.
"Why," the student exclaimed, "the queer slant of your eyes. Your eyes are off slant!"
What do we say about the Chinese?
We refuse to believe that which we do not understand. We foolishly believe that our own limitations are the proper measureof limitations. Sure, the other fellow's eyes are "off stand," because they are not the same as our own.