"Avoid second-quality issues in making up a portfolio unless they are demonstrable bargains."

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Feeling prosperous means paying your utility bills on time and with a smile on your face. Prosperity means not only giving to the homeless person, but having a smile on your face when you do it. Prosperity also means buying fresh produce with a smile on your face instead of buying day-old bread or bargain overripe fruit with a scowl on your face. Still more, being prosperous means tipping generously with a smile on your face when the waiter has given you great service instead of trying to stiff him with a mere percent, or worse, no tip at all.

— Ernie J Zelinski