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

The things that get rewarded, get done

All of us live at the feeling level, and our feelings are in large part a result of the way we perceive things. You observe or are told something, you interpret it, and only then do you have a reaction at the feeling level. The point is that feeling is preceded by perception, and all of us are capable of controlling our interpretation [the associations and assumptions] of what we see. If we can control our interpretation, then it logically follows that we can exercise some control over our feelings as well.

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

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.

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.

A satisfied customer is the best business strategy of all.