TAKE THIS EXAMPLE: There is the account of Charles Schwab, the wealthy industrialist. In one incident he went to court and won a nuisance suit at age 70. After the trial he was given permission by the judge to speak to the audience, he made the following statement: "I’d like to say here in a court of law, and speaking as an old man, that nine-tenths 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 follow this rule, you will seldom be bothered as

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