If the workers don't keep themselves current - with some assistance and guidance from their employers - then the workers who are in the legacy roles will have to be removed. That's what's so difficult.

During that time, I began writing and designing the propaganda that we distributed to the students who we were trying to convince to join us.

I would have to say that my mother's entrepreneurial perspective, and that of her father's, are very evident in my own outlook.

In the summer between my freshman and sophomore year, my grandfather got me a job at a local messenger company working on Wall Street. I was lucky enough to have been in the business during a stock market boom but just before the fax machine appeared on the scene, let alone email and the Internet. As a result, the messenger business was booming.

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.

Thinking like others is ok for things that are not important to you.

I was never going to be one of Nobel prize winners.