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 got to carve through the streets of New York's financial district and discover the awesome feeling of being part of a system where, the harder you worked, the more of those scarce resources you earned! I never looked back.

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.

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.

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.

As members of a minority, one that was often persecuted, that entrepreneurial perspective was burnished with a sense of "outsider" status - so not only were we committed to finding our own way of achieving success, we also grew up to believe that we'd have to fight to get whatever we wanted.

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.