If your broker or investment advisor is not familiar with the concept of standard deviation of returns, get a new one.

It's bad enough that you have to take market risk. Only a fool takes on the additional risk of doing yet more damage by failing to diversify properly with his or her nest egg. Avoid the problem-buy a well-run index fund and own the whole market.

Bluntly put, there's no chance that your doctor, dentist, or attorney is a high-school dropout. Your stockbroker, however, just might be.

If your broker or investment advisor is not familiar with the concept of standard deviation of returns, get a new one.

Do the math. Expect catastrophes. Whatever happens, stay the course.

Wall Street is littered with the bones of those who knew just what to do, but could not bring themselves to do it.

A fast food job, for most people, should be an entry level position. If you see no path for advancement beyond that, it's time to take a real fast look at your human capital and learn a skill that will make you more money.