BANKERS OFTEN LEND MONEY ON CHARACTER, BUT SELDOM ON REPUTATION ALONE, FOR THEY HAVE LEARNED THAT NOT ALL REPUTATIONS ARE DESERVED.

When considering a loan, a banker attaches great importance to three things: the borrower’s ability to repay the loan, the borrower’s credit history, and the borrower’s character. The first two considerations can be calculated mathematically; the third requires judgment and experience. Prudent bankers have learned that persons of character are always a good risk because they take their obligations seriously while those who spend their resources on the trappings of success should be avoided at all costs. Protect your good reputation as you would protect your home, your investments, and your life. Once shattered, a good reputation can only be regained by those who have developed the courage and willpower to persevere in the face of great odds.

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IF YOU HAVE A BETTER WAY OF DOING ANYTHING, YOUR IDEA MAY BE WORTH A FORTUNE.

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In any type of business, the most valuable ideas are those that make money, save money, save time, or improve the way things are done. Every improvement, however slight, is a step in the right direction. Being alert for opportunities to improve things is a function of a positive attitude. It is virtually impossible to think creatively about opportunities when your thoughts are concentrated on the downside risk instead of the upside potential. As you search for ways to improve your performance, or to find a better, faster, or more economical way to perform a task or build a product, by all means analyze and minimize the risks but focus on the possibilities.

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DON’T BE SATISFIED WITH BEING GOOD AT YOUR JOB. BE THE BEST, AND YOU’LL BE INDISPENSABLE.

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Experts have consistently found that after a certain point, money ceases to be a motivator. Even though you may not yet have reached that point, if you are honest with yourself, you will probably find that money is only one of many considerations. When asked if they would continue doing what they do even though it didn’t pay well, most highly successful people reply, "Absolutely. I wouldn’t change a thing. I love what I’m doing." One of the surest ways to climb the ladder of success is to choose a job that you would do even if you didn’t earn much at it. When you are working because you like what you do, the money will follow. You will become such a rare commodity that others will compete for your services-and pay you handsomely for them.

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BANKERS OFTEN LEND MONEY ON CHARACTER, BUT SELDOM ON REPUTATION ALONE, FOR THEY HAVE LEARNED THAT NOT ALL REPUTATIONS ARE DESERVED.

Image via Wikipedia

When considering a loan, a banker attaches great importance to three things: the borrower’s ability to repay the loan, the borrower’s credit history, and the borrower’s character. The first two considerations can be calculated mathematically; the third requires judgment and experience. Prudent bankers have learned that persons of character are always a good risk because they take their obligations seriously while those who spend their resources on the trappings of success should be avoided at all costs. Protect your good reputation as you would protect your home, your investments, and your life. Once shattered, a good reputation can only be regained by those who have developed the courage and willpower to persevere in the face of great odds.

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YOU ARE EITHER HONEST OR DISHONEST. THERE CAN BE NO COMPROMISE BETWEEN THE TWO.

Image by 4PIZON via Flickr

Officials who deal with fraud and theft say they are often amazed at the small amounts of money some people will steal. Some people will sell their integrity for a pittance. To those individuals, dishonest behavior is not an occasional occurrence-it is a way of life. Those who lie about insignificant things or steal trivial amounts of money will develop the habit of lying and stealing. As you look back on your own behavior, can you do so with pride in the knowledge that you have always been honest? If you cannot, perhaps it is time to think about the times when you chose dishonest behavior. Why did you do it? Was it worth it? Wouldn’t the consequences of being honest and truthful have been far better in those circumstances? Learn from your mistakes and vow that from this day forward you will always be honest.

-The Cat In That Hat

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