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.

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.

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.

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.

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

Adversity is an experience, not a final act.

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