If you have a 19 percent credit card and you pay it off you make 19 percent on your money. If you have a 25 percent credit card and you pay it off, you're making 25 percent on your money - guaranteed!

The shortest period of time lies between the minute you put some money away for a rainy day and the unexpected arrival of rain.

You normally don't get a margin call unless your securities, minus the debt, are worth 30% or less of their nominal market value.

You'll almost certainly spend all the rest of your pay, but your daily expenses will adjust themselves, magically, to the amount of money in your account. You will budget mentally, without having to write everything down.

The rule on staying alive as a forecaster is to give 'em a number or give 'em a date, but never give 'em both at once.

If your eight times income is half a million dollars and you have two kids, you'd add another $200,000, so you'd have a $700,000 policy. That sounds like a lot, but when it's term insurance it is actually cheap.