Financial planners who take commissions have a built-in conflict of interest...even with disclosure, my choice would be a Fee-Only planner.

It seems like only yesterday that savers were dorks. They kept piggy banks. They drove last year's cars. They fished in their change purses for nickels while the superstars flashed credit cards. Today, values have changed. The new object of veneration is not money on the hoof but money in the bank - and the dorks all have it.

The chief function of stock-market forecasters is to make astrologers look respectable.

The shortest period of time lies between the minute you put some money away for a rainy day and the unexpected arrival of rain.

Stock prices aren't real things. They're just froth on a wave. The wave is the only real thing, which investors forget when they're watching the ticket slither by.

The rule on staying alive as a forecaster is to give 'em a number or give 'em a date, but never give 'em both at once.

Everyone needs a small-town banker. Especially in a big town.