There are only two things as complicated as insurance accounting and I have no idea what they are.

It's very nice to be able to be who you are.

Nobody wants campaign finance reform more than me. It would save me a fortune.

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

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."

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.

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.