     ,*APT] #A3 8,I',M ,,GO+ ,,6,,D
                 ,,X60

  ,! 3T5TS ( ? BOOK >E BAS$ ON A V
SIMPLE PREMISE3 ,IF ,I C D X1 ,,Y ,,C
,,D ,,X1 ,,TOO6
  8,BILL1 :AT IS YR SECRET8 ,C Y GIVE ME
ANY ADVICE80 8,:AT RE,Y MADE X HAPP5 =
Y80 ,I'VE BE5 ASK$ ^? "QS F ,H>T=D
6,HONOLULU1 & HUNDR$S ( PLACES 9 2T4
  ,H[ DID ! * ( AN IMMIGRANT "F ESCAPE !
POV]TY ( ,M>T9S ,F]RY1 ,OHIO1 6BUILD A
MULTI-MILLION DOLL> AUTOMOTIVE EMPIRE8
,H[ DID A "Y MAN :O 0 MAK+ 4#A.DG AN H\R
"W+ ON ! ASSEMBLY L9E ( AN AIRCRAFT
PLANT SU45LY 2COME ,OHIO'S L>GE/ US$ C>
D1L]8 ,& H[ DID "S"O RAIS$ )A 8FAILURE
M5TAL;Y0 E/ABLI% N,NAL SALES RECORDS Z !
_W'S L>GE/ ,AM]ICAN ,MOTORS ,-PANY
D1L]%IP8
  ,X />T$ )A DECI.N4 ,9 MY BOOK1 ,,H[ ,I
,,GOT ,,MILLIONAIRE ,,M5TAL;Y1 ,I %>$ !
/ORY ( H[ ,I TRI$ 6BETT] MY LOT 9 LIFE
TAK+ A JOB SELL+ C>S AT A ,=D D1L]%IP
NE> ,COLUMBUS1 ,OHIO4 ,B "S?+ HAPP5$ ON
T %[ROOM FLOOR 9 #AIEG T TRANS=M$ MY
LIFE ="E4

    8,"S"D80
  ,X 0 A DRE>Y "D &! SALES ROOM 0 EMPTY
:5 ,I 2GAN TALK+ ) ,TOM ,>?UR4 ,HE 0 AN
OLD] MAN :O _H A LIFE"T ( EXP]I;E4 ,I
%>$ ) ,TOM ! FACT T DEEP 9SIDE ,I _H !
DESIRE 6/>T MY [N BUSI;S--& T ,I'D RE,Y
L 6[N A US$ C> LOT "S"D4
  8,"S"D80 HE ASK$4 8,Y "\ 6/>T A US$ C>
BUSI;S "R N[4 ,2C IF Y DON'T Y'RE LIA#
6BE "R "H SELL+ ^! ,=DS =! NEXT #BJ
YE>S4 ,Y'LL ALW WOND] :Y Y DIDN'T 2COME
YR [N BOSS40
  ,8 ^WS 7 L A MAT* /ICK T IGNIT$ A FIRE
DEEP )9 ME4 ,:AT HE SD WDN'T L1VE MY
M9D4 ,EV5 9 ! MI4LE (! NI<T1 ,I'D TOSS &
TURN & HE> HM SAY1 8,Y'LL ALW WOND] :Y60
  ,F9,Y1 ,I WALK$ 96! D1L]%IP & SD1
8,TOM1 ,I'M GO+ 6D X60 8,I'M ,GO+ 6,D
,X60
  8,D :AT80 HE ASK$ )A "K+ LOOK4
  8,I'M GO+ 6/>T MY [N US$ C> BUSI;S40
  ,HE GAVE ME A GRT BIG SMILE & SD1
8,BILL1 T'S ! BE/ DECI.N Y "E MADE40
  ,ACTU,Y1 X 0 ! 8SECOND BE/0 DECI.N (
MY LIFE4 ,! F/--& BE/--WAS :5 ,I A3EPT$
,*RI/ 96MY LIFE Z MY P]SONAL ,SAVIOR4 ,B
N[ ,I _H MADE A TOTAL DECI.N REG>D+ MY
ECONOMIC FUTURE1 & :AT ,I 0 GO+ TO
82COME0 =! ,"L4
  ,! DR1M ,GOD HAS PLAC$ 9SIDE Y MAY 2
LI<TYE>S AWAY F ! AUTOMOBILE BUSI;S4 ,Y
MAY 2 PULL$ T[>D OP5+ A DONUT %OP1 AN
ADV]TIS+ AG5CY1 A L&SCAPE S]VICE1 -PUT]
S(TW>E -PANY1 AN (FICE CL1N+ BUSI;S1 OR
:AT"E4 ,YR *OICES & OPPORTUNITIES H N"E
BE5 Z V>I$ OR Z PL5TI;L Z !Y >E TD4 ,=
MY LIFE1 X 0 />T+ A US$ C> BUSI;S4
  ,& T 2CAME M ?AN A FANTASY--X 2CAME AN
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HE>T--,I SD ^? LIFE-ALT]+ ^WS1 8,I'M GO+
6D X60
  ,NO MATT] :AT FIELD ( 5D1VOR Y *OOSE1
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BICYCLE1 Y C'T BAL.E X :ILE Y'RE /&+ /4
,Y'VE GOT 6MAKE A DECI.N 6MOVE =W>D4
  ,IS ,M"OY ! ,ANSW]8
  ,DOES X TAKE A =TUNE 6GET />T$8
,ABSOLUTELY N6 ,"! IS NO?+ B 4A/] AH1D =
A P]SON ) GRT F9ANCIAL RES\RCES B NO
P]SONAL -MIT;T4 ,T'S A SURE ROAD
6BANKRUPTCY C\RT4
  ,%[ ME A P]SON ( LIMIT$ RES\RCES )A
DEC5T 3CEPT &A D$ICAT$ -MIT;T1 & ,I'LL
%[ Y A FUTURE MILLIONAIRE4
  ,ON ! V SPOT ": \R MEGA-D1L]%IP--,BILL
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(FICE 0 LOCAT$4 ,I WI% Y CD H BE5 "! ON
OP5+ "D1 ,APRIL #H1 #AIEG4
  ,MY SALES 8%ACK0 0 MADE \ ( ORANGE
CRATES & GLASS--L A LL GRE5H\SE4 ,I
BORR[$ 4#A1JJJ F ,ECONOMY ,LOAN ,-PANY =
?REE US$ C>S1 BR"\ 9 A LL GRAVEL1 HUNG A
FEW LI<TBULBS ON A WIRE & ,I 0 R1DY =
BUSI;S4
  ,DID ,I LOOK SU3ESS;L8 ,NO WAY4 ,B ,I
FELT T5 FEET TALL ON ! 9SIDE 2C ,I _H
MADE A TOTAL DECI.N REG>D+ MY FUTURE4
,T'S :Y EV5 ! PO/MAN T /OPP$ 0) "S JUNK
MAIL T F/ MORN+ CD N 4C\RAGE ME4
  ,HE SD1 8,MI/]1 Y PROBABLY "K T S"EAL
BUSI;SES H />T$ ON ? CORN] & !Y ALL
FAIL$40 ,HE TOLD ME AB A FL[] BUSI;S1 A
MAN :O SOLD OLD 8MEMORABILIA01 & O!RS T
_H OP5$ & CLOS$4 8,I ?9K ? CORN] IS
J9X$10 HE SD4
  ,P]H T IS :Y ,I 0 A# 6R5T ! LOT = ONLY
4#GE A MON?4
  ,I LOOK$ AT ! MAILMAN & SD1 8,WELL1
MI/]1 ? BUSI;S IS GO+ 6SU3E$40 ,I WASN'T
AB 6LET 8/9K9' ?9K+0 RU9 ! OP5+ "D ( MY
V5TURE4
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-MITT+ 8,BILL ,SWAD ,MOTOR ,SALES0 6!
,"L4
  ,)9 "O H\R ,I _H MY F/ CU/OM]4 ,I SOLD
A #AIEA ,=D ,VICTORIA & TOOK A #AIEB
,PLYM\? 9 ON TRADE & ,I 0 (F & RUNN+4
  ,"S?+ ELSE HAPP5$ 6ME4 ,EVANGELI/
,ORAL ,ROB]TS BR"\ 8 T5T CRUSADE
6,COLUMBUS4 ,AT ! MEET+S ,I HE>D
MESSAGES & SAW MIRACLES Z ,I _H N"E HE>D
OR SE5 2F4 ,J ! SI<T (! HUGE CR[DS NI<T
AF NI<T 0 MOTIV,NAL4 ,I LE>N$ T ,GOD
TRULY WANT$ ME 6BE A W9N]4 ,& X 9SPIR$
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  ,X'S IMPOSSI# 6PUT 96^WS H[ 8TURN$ ON0
,I 0 6SEE+ MY LL US$ C> BUSI;S PROSP]4
,! VEHICLES 2GAN SELL+ FA/] !N ,I "E
IMAG9$ & )9 ?REE YE>S ,I 0 ! BI7E/
RETAIL US$ C> D1L] 9 ! /ATE ( ,OHIO4 ,!N
CAME ! NEW C> D1L]%IPS2 ,,AMC1 ,*RYSL]/-
,PLYM\?1 ,DATSUN1 ,L9COLN/,M]CURY1
,*EVROLET1 & 9 ANO!R T[N ,I _H
,CADILLAC1 ,BUICK1 ,PONTIAC & ,,GMC
TRUCK4 ,!N WE A4$ AN 9SUR.E -PANY1 TWO
MORTGAGE -PANIES1 R1L E/ATE DEVELOP;TS &
M4
  ,": DID X ALL 2G98 ,)A DECI.N4
  ,YES1 ,I 0 RAIS$ )A POV]TY M5TAL;Y1 B
EV5 Z A SMALL BOY1 ,I REFUS$ 6ALL[
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6ME4 ,:AT"E ,I FAC$1 ,I VIEW$ X Z AN
OPPORTUN;Y 6EXCEL4 ,:5 ,I 0 HOE+ CORN =A
DOLL> A "D1 ,I WANT$ 6HOE M CORN ?AN
ANY"O ELSE4 ,:5 ,I 0 SETT+ UP P9S 9 A
B[L+ ALLEY =A FEW C5TS A L9E1 ,I WANT$
6SET UP M P9S ?AN ANYBODY4 ,9/1D ( "W+ J
"O ALLEY1 ,I WD TAKE ?REE OR F\R4
  ,:AT HAPP5$ LAT] ONLY A4$ FUEL 6!
FIRE4
  ,:AT AB Y8 ,YR BACKGR.D--NO MATT] H[
_M NEGATIVES X 3TA9S--C 2 OV]COME 0A
P]SONAL DECI.N 6SU3E$4
  ,?REE ,K9DS ( ,M9DS
  ,IF Y'LL OBS]VE HUMAN 2HAVIOR Y'LL F9D
T "! >E ?REE K9DS ( M9DS3 ! SMALL M9D1 !
AV]AGE M9D &! GRT M9D4 ,LET'S LOOK =A
MO;T AT EA* ( !M4
  #A4 ,SMALL M9DS 4CUSS P4 ,! NEXT "T Y
H LUN* ) FRS1 LI/5 6! 3V]S,N4 8,Y %D SEE
! GIRL ,BOB 0 DAT+ LA/ NI<T40 ,OR1 8,DID
Y HE> :AT HAPP5$ 6,M>Y80 ,_! *IT-*AT IS
SIMPLY GOSSIP T 3TRIBUTES NO?+ ( SUB/.E4
  #B4 ,AV]AGE M9DS 4CUSS EV5TS4 8,DID Y
SEE LA/ YE>'S ,ROSE ,B[L GAME80 ,OR1
8,LET ME TELL Y :AT HAPP5$ ON \R TRIP
6,JAMAICA40 ,WE MAY LE>N A FEW FACTS1 B
T'S AB ALL4
  #C4 ,GRT M9DS1 H["E1 4CUSS ID1S4 ,_!
3V]S,N W 2 FILL$ ) P[];L ?"\S & CR1TIVE
9NOV,NS4 ,:AT A REFRE%+ EXP]I;E 6BE 9 !
-PANY ( P :O %>E 3CEPTS Y'VE N"E HE>D
2F4
  ,H[ C Y MAKE ! TRANS=M,N F ": Y >E 6":
Y %D BE8 ,H[ C YR LIFE IMPROVE8 ,H[ C Y
GR[8 ,X -ES F /IMULAT+ YR M9D ) EXCIT+
ID1S--F SATURAT+ YR ?"\-LIFE ) "EY?+ F
,GOD'S ,^W 6BOOKS & MOTIV,NAL TAPES
FILL$ ) GRT 3CEPTS & PR9CIPLES4
  ,ASK YRF1 8,:AT K9D ( M9D D ,I H80
  ,:AT DOES MY 3V]S,N SAY AB ME80 ,PAY
CLOSE ATT5;N 6YR ^WS & MAKE A DECI.N TO
8%IFT GE>S0 & 2G9 64CUSS GRT ID1S4
  ,MY *UR* LAU<S :5 ,I REM9D !M1 8,WE H
AN ABSOLUTE RULE >.D "H4 ,WE DON'T REP1T
GOSSIP S Y'D BETT] LI/5 C>E;LLY ! F/
"T40
  ,IF Y WANT 6LIFT ! LEVEL ( YR LIFE1
/>T 0ELEVAT+ YR ?"\S4 ,REMEMB]1 GRT M9DS
4CUSS GRT ID1S4
  ,H[ DOES X "W 9 PRACTICE8 ,LET'S SAY
Y'VE />T$ A SMALL BUSI;S & Y'RE \ ( CA%1
B Y D H "S 9V5TORY4 ,H[ D Y SELL YR
PRODUCTS8 ,A CR1TIVE M9D W FOCUS ON "S?+
L ! POT5TIAL 6ADV]TISE AT PRACTIC,Y NO
CO/4 ,Y'LL DEVELOP A /RATEGY ( M>KET+ "?
LL 8P5NY SAV]0 WEEKLIES & FREE H&-\TS4
,Y MI<T EV5 FLOOD LOCAL BULLET9 BO>DS 9
GROC]Y /ORES & LAUNDROMATS ) SALE PRICES
( YR 9V5TORY4
  ,2G9 6EX]CISE ! CR1TIVE G5IUS )9 Y4
,P]H YR GRTE/ IDEA LIES J 2N ! SURFACE (
YR M9D4 ,X'S L DRILL+ = OIL 9 ,TEXAS4 ,E
ONCE 9 A :ILE Y HIT A 8GU%]40

    ,MY ,GRT ,CRISIS
  ,J 2C ,I BUILT AN EXPANSIVE BUSI;S
DOESN'T M1N T ,I'VE N"E EXP]I;ED A CA%-
FL[ PRO#M4 ,F> F X4 ,I'VE BE5 FAC$ )
F9ANCIAL DILEMMAS T REQUIR$ ALL MY
CR1TIVE 5]GIES--&! ,"L'S HELP--6SOLVE4
  ,LET ME TELL Y AB "O (! GRTE/
PREDICA;TS ,I "E 5C.T]$4 ,AT "O PO9T 9
MY BUSI;S ,I _H AN EXTREMELY L>GE L1S+
-PANY ) AB #E1EJJ C>S L1S$ ALL OV] !
C.TRY4
  ,D Y REMEMB] :5 ! OIL CRUN* CAME 9 !
E>LY ,SEV5TIES8 ,I C]TA9LY D4 ,N ONLY 0
! C.TRY RUNN+ %ORT ( PETROLEUM & GAS1 B
9T]E/ RATES W5T "? ! RO(4 ,X 0 DUR+ !
,JIMMY ,C>T] PRESID5CY4 ,X SEEM$ L A BAD
DR1M1 & ,I W N"E =GET T #BA P]C5T 9T]E/4
  ,A L>GE POR;N ( MY "UWRIT+ 0 BAS$ ON
AN AGREE;T )A HUGE F9.E -PANY4 ,WE _H
4#AH MILLION WOR? ( C>S \ & MY CU/OM]S 7
PAY+ ME A FIX$ RATE ON ! L1SES4 ,!Y 7
PAY+ ! SAME MON?LY PAY;TS :E!R ! 9T]E/
RATES 7 #AJ OR #BA P]C5T4 ,UN=TUNATELY1
:5 ,I PUT MO/ ( ^? C>S \1 ! 9T]E/ RATES
7 >.D #AB4
  ,B ,I 0 PAY+ MY BANKS &! F9ANCIAL
9/ITU;NS A FLOAT+ RATE ( "S?+ OV] PRIME4
,Z ! PRIME W5T HI<]1 ,I PD M4
  ,Y C IMAG9E ! PALPIT,NS ( MY HE>T :5
PRIME ZOOM$ UP F #AB 6#BA P]C5T4 ,FOLKS1
Y DON'T H 6BE A ,RHODES S*OL> 6FIGURE \
T'S A :OLE LOT ( GRE5BACK4 ,B T IS
EXACTLY :AT HAPP5$4
  ,H[ DID ,I SURVIVE8 ,I PRAY$ & ASK$
,GOD 6HELP ME4 8,"L1 ,I NE$ A NEW
REVEL,N ( H[ 6SOLVE ? PRO#M4 ,PLANT AN
IDEA )9 ME60 ,! ANSW] ,I _H BE5 SE>*+ =
F9,Y CAME4
  ,! IDEA 0 = ME 6MAKE UP =! LOSSES
0GETT+ M =! VEHICLES :5 !Y CAME BACK F !
L1SE4 ,:5 Y H #E1EJJ C>S \ "!1 Y H AUTOS
RETURN+ NE>LY E "D4 ,S 9/1D ( :OLESAL+ !
C>S 6MOVE !M QKLY1 WE 2GAN 6POLI% & %9E
!M = \R [N RETAIL LOTS4
  ,! US$ C> M>KET 0 SKYROCKET+1 ESPECI,Y
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(! OIL SC>E4 ,= EXAMPLE1 ! ,*EVROLET
,CAM]OS T CAME BACK AF ?REE YE>S 7
ACTU,Y WOR? M ?AN :AT ,I _H ORIG9,Y PD--
PLUS ,I _H COLLECT$ L1SE PAY;TS = ?REE
YE>S4
  ,:AT 0 ! RESULT8 ,I M ?AN MADE UP =
ANY LOSS ,I SU6]$ 0! EXORBITANT 9T]E/
RATES4

    8,A ,BR& ,NEW ,WAY0
  ,! SITU,N Y FACE W 2 5TIRELY DI6]5T1 B
,I 2LIEVE T Y H ! CR1TIV;Y X TAKES
6SU3E$4
  ,2G9 6LOOK AT AN OLD PRO#M 9 A BR& NEW
WAY4
  ,TWO LADIES IMPRESS$ ME :5 ,I SAW H[
!Y OP5$ A NEW BABY SITT+ S]VICE4 ,X
WASN'T AT _! HOME 9 "S \-(-!-WAY
NEI<BORHOOD4 ,X 0 9 A VACANT /OREFRONT
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EASY A3ESS4 ,! LOC,N & VISIBIL;Y
ADV]TIS$ XF & !Y QKLY EXP&$ 6#B1JJJ
SQU>E FEET )A /AFF T TAKES C>E ( *N F
#F3JJ A4M4 UNTIL MIDNI<T E "D4 ,X'S A
BEEHIVE ( ACTIV;Y ) CRIBS1 TOYS1 & WALL-
TO-WALL *N4 ,EV5 P>5TS GO+ \ =A QUIET
D9N] USE _! S]VICE 9/1D ( HIR+ A BABY
SITT]4
  ,:5 ,I SAW :AT !Y _H A3OMPLI%$1 ,I
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  ,:AT WD HAPP5 IF Y PRES5T$ S* A
PROPOSAL 6! AV]AGE P]SON8 8,WELL1 !
R5T'S PROBABLY TOO HI<40 ,OR1 8,T S.DS L
TOO M* "W40 ,S* NEGATIVE P W N"E1 N"E
EXP]I;E ! JOY ( SU3ESS4
  ,:AT X TOOK = ME1 _M YE>S AGO1 X W
TAKE = Y4 ,Y'VE GOT 6DECIDE--ABSOLUTELY1
POSITIVELY T Y >E GO+ 6SU3E$ 9 LIFE4 ,IF
Y 2LIEVE T Y C MOVE M.TA9S1 !Y'LL MOVE4
,B IF Y SAY ! ^WS1 8,I C'T10 X 2COMES A
SELF-FULFILL+ PROPHESY4
  8,C'T0 DI$ 9 A POOR H\SE4 8,C'T0 N"E
A3OMPLI%$ ANY?+ WOR?:ILE4

    ,A ,BIG ,DECI.N
  ,X IS "T = Y 6MAKE T ALL-IMPORTANT
DECI.N4
  ,D Y REMEMB] ! /ORY (! ,PRODIGAL ,SON8
,HE WD H REMA9$ 9 ! PIG P5 ( LIFE _H HE
N DECID$1 8,I'M GO+ BACK 6MY "F'S H\SE40
  ,DON'T ALL[ ! EV5TS ( YR PA/ 6GOV]N YR
FUTURE4 ,I'VE MADE 5 MISTAKES = BO? ( U
-B9$--B !Y'RE N SETBACKS1 J LE>N+
EXP]I;ES4
  ,! ,APO/LE ,PAUL WROTE1 8,=GETT+ ^?
?+S : >E 2H1 & R1*+ =? UNTO ^? ?+S : >E
2F1 ,I PRESS T[>D ! M>K =! PRIZE (! HI<
CALL+ ( ,GOD 9 ,JESUS ,*RI/40
7,PHILIPPIANS #C3AC1AD74
  ,H[ DOES ! J\RNEY (A MILLION MILES
2G98 ,) T F/ /EP4 ,X />TS 0DECID+ 62G94
  ,Y C MAKE A MONU;TAL DECI.N "R N[ T W
A6ECT ! RE/ ( YR LIFE4 ,TAKE ! IDEA T
,GOD HAS 5TRU/$ 6Y & MAKE A TOTAL -MIT;T
6SEE X HAPP54 ,"R N[1 SP1K ^! FIVE ^WS \
L\D3 8,I'M GO+ 6D X60
  ,REP1T ^? ^WS AG & AG4 8,I'M GO+ 6D X6
,I'M GO+ 6D X60
  ,Y'VE ALR TAK5 ! F/ GIANT /EP ON YR
PA?WAY 6SU3ESS4


