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I definitely invented the everything bagel. There's no doubt. It's undeniable truth. It's one of those things that's 100% true, 50% of the time.

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Napoleon Hill

If you are one of those people who believe that hard work and honesty alone will bring riches-perish the thought; because it's not true. Riches, when they come in huge quantities, are never the result of hard work. Riches come if they come at all, in response to definite demands, based upon the application of definite principles, and not by chance or luck.