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When Charles Schwab was 70 years old, he made the following statement. These words were spoken for the record in a court of law after he’d just won a nuisance suit. He said, “I’d like to say here in a court of law, and speaking as an old man, that 9/10ths of my troubles are traceable to my being kind to others.

-Look you young people, if you want to steer away from trouble, be hard-boiled. Be quick with a good loud “no” to anyone and everyone. If you...

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