Those who spend too much will eventually be owned by those who are thrifty.

Bull markets are born on pessimism, grown on skepticism, mature on optimism and die on euphoria. The time of maximum pessimism is the best time to buy, and the time of maximum optimism is the best time to sell.

Many of us understand giving, but some of us may still be confused about the meaning of forgiveness. Some people may go through life in a groveling mode, mistakenly believing they have to receive forgiveness from others. Forgiveness offers more than a reprieve granted to us by another person. True forgiveness is a process of giving up the false for the true and allows us to rid our thinking of rigid ideas. We can develop the flexibility to change our mind and our behavior patterns to higher and greater expressions and find new avenues to freedom.

Would it not be strange if a universe without purpose accidentally created humans who are so obsessed with purpose?

What are we going to get out of life? This can understandably be a question of fundamental importance to us. We begin with certain basic needs and desires. It is important to have a comfortable home, plenty of food, a meaningful and well-paying job, comfort, companionship, and joy. However, many of us have not fully realized a simple, basic principle: for our receiving to take place, we must first give. Giving and receiving are two aspects of the same law of life.

By facing our challenges and overcoming them, we grow stronger, wiser, and more compassionate.

For all long-term investors, there is only one objective-maximum total real return after taxes.