A faithfully kept program of savings and conservative investments can give you more money and a better life than that of your neighbors who spend everything they get. This is probably the oldest financial advice in the world, but there are some things you can't improve on.

Equality is never given, it is taken.

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

Where you stand should not depend on where you sit.

The best real-estate investments with the highest yields are in working-class neighborhoods, because fancy properties are overpriced.

It's a fact: stock investors sometimes lose money on their way to wealth. Get over it.

Auto insurance is a toll bridge, over which every honest driver has to pass.