What kind of bank gives back 65 percent-often less-of what you deposit? Indeed, when you compare the services of a bank and an insurance company, common sense suggests something is out of whack.

Summers are the best. And I figured summer was my best time for meeting someone, too, because in the summer people are looking for someone to snuggle up with for the winter. And because in the summer I could take off my shirt.

You want 21 percent risk free? Pay off your credit cards.

In short: Readily available low-cost life insurance would be a threat to the industry, and whatever threatens the life insurance industry threatens America.

But successful investors tend to be not too self-destructive. They tend to be patient, they tend not to follow the crowd, and they tend not to be too guilty about winning.

People don't need to find reasons to justify their not giving. What they need to find is the inspiration to give. And those who don't, but could afford to, are missing out on one of wealth's greatest luxuries.

The life insurance policies advertised on the radio with the line "You cannot be turned down for this coverage!" are actually saying, "For policies this small, it would cost us more to decide whom to turn down than simply to accept everybody - and make them pay through the nose."