Full service brokers, in this day and age of low cost mutual funds and discount brokers, are really nothing more than machines for ripping off retail investors.
Joel SpolskyThere's a subtle reason that programmers always want to throw away the code and start over. The reason is that they think the old code is a mess. [...] The reason that they think the old code is a mess is because of a cardinal, fundamental law of programming: It's harder to read code than to write it.
Joel SpolskyUsability is not everything. If usability engineers designed a nightclub, it would be clean, quiet, brightly lit, with lots of places to sit down, plenty of bartenders, menus written in 18-point sans-serif, and easy-to-find bathrooms. But nobody would be there. They would all be down the street at Coyote Ugly pouring beer on each other.
Joel SpolskyNot having a schedule is OK if it's your PhD and you plan to spend 14 years on the thing, or if you're a programmer working on the next Duke Nukem and we'll ship when we're good and ready. But for almost any kind of real business, you just have to know how long things are going to take, because developing a product costs money.
Joel Spolsky