Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult.

There are only three things you can do with a dollar: spend, loan, or own.

You'll find that there will be an investment for every season, but there will be no investment for all seasons.

You would be surprised how many people are in the market not to make money but for the thrill of it!

The ability to make a decision is another characteristic of a winner in money matters. I have found over and over again that those who succeed in making large sums of money reach decisions very promptly and change them, if at all, very slowly. I have also found that people who fail to make money reach decisions very slowly, if at all, and change them frequently and quickly.

You will find that free advice about your money is always available. It's usually those who lean back and give you the most 'positive' advice whose finances are bordering on catastrophe. They are often wrong, but never in doubt.

The person who takes no chances generally must take whatever is left over after others have finished choosing. Overcaution is as bad, if not worse, than lack of caution. Both should be avoided. Life will always contain an element of chance. Not to win is not a sin. But not to try is a tragedy.