I wasn't the brightest kid in school. I was a backbencher troubling the frontbencher, and eventually I failed in my 10th grade. But then in higher secondary, there were only three people who got first division in arts, and I was one of them. So this tells you, where you put your mind and heart into, that's where you go.

Your positive action combined with positive thinking results in success.

Ninety percent of selling is conviction, and 10 per cent is persuasion.

I started life washing cars in Canada before moving on to selling life insurance and vacuum cleaners. Later, I went through a programme by Dr. Norman Vincent Peale, which literally changed my life. It was the turning point.

Money is a very important tool to make a big difference in people's life. It is positive or negative depending on the values.