I walked into a classroom in The Teachers’ College at Ball State University one day, and on my student’s desk was a sheet of paper with the following life instructions from Charles Schwabb. I read the information, and slipped the sheet into my folder. For the past twenty-eight, or so, years, I have lived by these rules. I still have the sheet at my desk.

1. Hard Work: Hard work is the best investment a man can make.

2. Study Hard: Knowledge enables a man to work more intelligently and effectively.

3. Have Initiative: Ruts often deepen into graves.

4. Love Your Work: Then you will find pleasure in mastering it.

5. Be Exact: Slipshod methods bring slipshod results.

6. Have the Spirit of Conquest: Thus you can successfully battle and overcome difficulties.

7. Cultivate Personality: Personality is to a man what perfume is to the flower.

8. Help and Share with Others: The real test of business greatness lies in giving opportunity to others.

9. Be Democratic: Unless you feel right toward your fellow men, you can never be a successful leader of men.

10. In all Things Do Your Best: The man who done his best has done everything. The man who has done less than his best has done nothing.

-Charles M. Schwab