'If you have food in the refrigerator, clothes on your back, a roof overhead and a place to sleep you are richer than 75% of this world. If you have money in the bank, in your wallet, and spare change in a dish, you are among the top 8% of the world's wealthy .'

'And if you get this on your own computer, you are part of the 1% in the world who has that opportunity. '