Children are a wonderful, wonderful gift of life. But they're also an expensive little gift.

Don't buy insurance you don't need.

It's a bad idea. Credit insurance is a rip-off because it's very expensive and you get very little for it. Make sure you have enough life insurance to cover your debts, such as the mortgage, credit cards, and your children's education. Many people use term insurance for this specific kind of thing.

A college education isn't so ridiculously out of whack. It ain't cheap, but it's not as expensive as people think either.

Thinking clearly and effectively is the greatest asset of any human being. We are constantly reminded that the one superiority that man has over other animals is the ability to think. It is primarily our ability to think that sets us apart from other animals.

Thinking clearly and effectively is the greatest asset of any human being.