Individual investors have become far more powerful than anyone gives them credit for. Today, 85 million Americans invest in stocks. Collectively, that kind of buying and selling power can move markets.

Some studies show that women can be better money managers than men because they tend to be more conservative and do their homework. Men tend to take more risks without the research.

Oil is a very important component of economic growth.

They sort of see Hillary Clinton as the status quo, more of the same, which is why the market is expected to rally should she become president. Donald Trump is more of the unknown. We could see an initial sell-off. Longer-term or midterm, their economic plans are very different.

If you or me go to the gas station to fill up our car and it costs us much more than we expected, it will zap our discretionary income. We won't have the extra money to buy that washing machine or new winter coat-all big ticket items that are important to economic growth.

The Girl Scouts is an organization that constantly gives you new goals to achieve and that's what life is all about.

While it's wonderful that investors have access to all the data now available to them, it has become a full-time job to sift through it and separate out the valuable news from the useless noise.