Rule of thumb: The more trimmings an insurance plan has and the harder someone is pitching it, the faster you should run.

Now listen. You can't fool all the people all the time-- but I want you to try.

Life insurance in America has traditionally been dominated by mutual insurers. Twelve of the fifteen largest life insurers are mutuals.

Still, most people don't have much money. So finding ways to come out a couple of thousand dollars ahead every year still matters.

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.

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.

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