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

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.

You normally don't get a margin call unless your securities, minus the debt, are worth 30% or less of their nominal market value.

Savings will not make you rich. Only canny investments do that. The role of savings is to keep you from becoming poor.

There is a secret to investing that cuts a path directly to the profits that you're looking for. The secret is simplicity. The more elementary your investment style, the more confident you can be of making money in the long run.

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

It's daring and challenging to be young and poor, but never to be old and poor. Whatever resources of good health, character, and fortitude you bring to retirement, remember, also, to bring money.