By the time I entered this prestigious high school, my interest in formal education had already been exhausted.

I did in fact take a couple of classes at my local college here in NYC. But I did it unwillingly and without enthusiasm. That is until a protest broke out in the streets around campus against rising tuition costs.

I believe in labeling things.

There are not enough forums where institutions invite their workers to share their failures in a constructive way so the organization can move forward.

Apple makes computers and they have to be great at providing the product they promised every individual who wants to purchase from them. This is where they should spend the bulk of their energy.

The problem is not the sentiment, it's the execution. When a company makes a mistake, the individual benefits because they've learned how NOT to do something while the institution had to pay for the mistake.

The bottom line: All of your investing decisions should be grounded in your own investment policy statement. By taking a "top-down" look at your finances and writing out a road map, your policy statement will add an important element of discipline to your approach.