Imperceptibly, the developed world's manufacturing base was gradually eroding and being replaced by securitized finance that destroyed itself and nearly its economies in 2008.

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.

Pay per click was just the beginning. The real evolution is pay per action.

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.

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.