Number Twelve

Bad leaders take credit for the good things and pin any blame for bad things to others.

Good leaders let the credit go to the team and team members. They only call attention to themselves when they take responsibility for a problem.

It encourages you to claim your successes and to deflect your failures.

When something good happens, you take the credit, but when something bad happens, you blame it on something out of your control.

When you use credit cards responsibly, they can give you a lot of power. The best circumstances to use a credit card is:

• When you're traveling, you'll get better rates for foreign exchange fees when you're traveling abroad. Travel rewards cards will also offer travel...