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

We are witnessing the death of abundance and the borning of austerity, for what may be a long, long time.

Both from the standpoint of stocks and bonds, an investor wants to go where the growth is.

Finding the best person or the best organization to invest your money is one of the most important financial decisions you'll ever make.

Bond investors are the vampires of the investment world. They love decay, recession - anything that leads to low inflation and the protection of the real value of their loans.

Dollar depreciation leads to higher inflation and ultimately forces foreign creditors to question their rationale and indeed their sanity for continuing purchases of U.S. Treasuries.

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