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.

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!

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

One of the easiest ways to solve your problems is to look at how others have solved a similar problem. So, in this regard, we are using the same thinking of others.

I went to work at political consulting firms, graphic design and communications firms and ultimately, magazines. Today, my career is in the media business. And more specifically, I'm in the "words" side of the business as opposed to video or music.

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.

However, I believe that large groups make markets, so serving the needs of large groups is a simple approach to success in business success. But that's no reflection on whether or not they're making wise moves or good calls. It's just about filling the need.