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.

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

Never try to time the bond market. Anyone who claims to know the future of interest rates is certifiable.

Everyone said, 'You can't lose money in real estate, because they're not making any more of it.' Hmmmm. Where did everyone go wrong?

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.

For all the huffing and puffing of the doubters, a home of our own is still the rock on which our hopes are built. Price appreciation aside (and most houses will appreciate, eventually), homeownership is a state of mind. It's your piece of the earth. It's where a family's toes grow roots. It's where the flowers are yours, not God's.

hindsight is not a strategy.