Stewart France of Fairfield Rotary:  
Live within your income, even if you have to borrow to do so - Josh Ballings 
Don from Gisborne Rotary:
Experience is a wonderful thing. It enables you to recognise a mistake when you make it again.  
Doug Clemens from Rotorua Rotary:
The person who agrees with everything you say either isn’t paying attention or else plans to sell you something.  – Des Moss