As for worrying about what other people might think - forget it. They aren't concerned about yours. They're too busy worrying about what you and other people think of theirs.

An asset allocation plan is based on your personal circumstances, goals, time-horizon, and need and willingness to take risk.

It's important for you to understand that stock and bonds go up-and they go down. You need to be comfortable with that fact.

The things that get rewarded, get done

The most important key to successful investing can be summed up in just two words-asset allocation.

The world is your mirror and your mind is a magnet. What you perceive in this world is largely a reflection of your own attitudes and beliefs. Life will give you what you attract with your thoughts think, act and talk negatively and your world will be negative. Think and act and talk with enthusiasm and you will attract positive results.

We talk about saving time and killing time when actually we can't do either. We have no choice but to spend it at a constant and flowing rate.