It seems unfair that in America, those with the least ability to pay in fact pay more than those with sufficient means.  This is because our risk and reward system makes it easy for those serving the poor to charge more and unregulated.  This extra charge has become excessive.  It always creates a business opportunity for fair minded entrepreneurs. [more]

The free enterprise system, like its consumers, seems now too focused on financial products and not focused enough on “making and trading”.  We are in danger of becoming insatiable gamblers.  [more]

Complex problems are best solved by simple, if sometimes difficult approaches.  The most important of these is getting good people and respecting their work. [more]

Lessons from life. [more]

There is a big gap between supporting the displaced and poor and enabling people who view themselves as victims.  Our goal is the former and we avoid where possible the latter. [more]

Successful organizations are more about hard work and effectively deploying people than they are about great ideas.  Great ideas must be balanced by great work ethic, leadership and a balanced approach to people. [more]

Great organizations are built on fundamentally solid foundations – otherwise known as “great bones”. [more]

According to Stewart Kohl, CEO of Riverside, a virtuous circle is what he seeks in his business and his life. He believes it is accomplished by being open to mistakes and willing to correct them; all with the goal of leading a more successful business and fulfilling life. [more]

Despair ruins more lives and organizations than obstacles do.  Obstacles, however difficult, can be overcome as has been shown by many heroes over time.  Despair cannot be overcome as it is a self-fulfilling prophesy. [more]

A poor teenager from a bad neighborhood overcomes her obstacles and heads for Brown University – leaving a wonderful poem to contemplate as she does. [more]