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

When you write down your ideas you automatically focus your full attention on them. Few if any of us can write one thought and think another at the same time. Thus a pencil and paper make excellent concentration tools.

Too many start up business fail simply because their owners continue to think and act like employees.

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.

The ultimate goal of a more effective and efficient life is to provide you with enough time to enjoy some of it.

We know that by simply changing our allocation between stocks and bonds, we can lessen the amount of volatility in our portfolio until we reach our comfortable sleep level.

A satisfied customer is the best business strategy of all.