While I did complete high school, I would have to say that it was by the skin of my teeth. My education ever since then has been one that I got "on the job" and I consider myself a very well-educated person at this point!

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.

I believe in labeling things.

I also believe that at a critical point (more than six people?), that collective wisdom turns into group think.

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

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.

I think small groups have more collective wisdom than an individual.