I would admit Im an introvert. I dont know why introverts have to apologize.

You know those adages about smelling the roses and chasing butterflies? The markets are my butterflies and my roses.

When does money run out of time? The countdown begins when investable assets pose too much risk for too little return; when lenders desert credit markets for other alternatives such as cash or real assets.

Whenever I read the newspaper, I say to myself, 'At least my wife loves me.'

Bond investors want growth much like equity investors, and to the extent that too much austerity leads to recession or stagnation then credit spreads widen out - even if a country can print its own currency and write its own cheques.

I am tough but I have a soft side.

Be cautious and content with low positive returns in 2015. The time for risk taking has passed.