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"LUCK"The only sure thing about luck is that it will change. - Bret Harte
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"DEFENSE"A steady job and a mutual fund is still the best defense against social security.
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"TRUST"Put not your trust in money, but put your money in trust.
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"LOSER"I have probably purchased fifty 'hot tips' in my career, may be even more. When I put them all together, I know I am a net loser- Charles M. Schwab.
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"LIARS"Don't try to buy at the bottom and sell at the top. It can't be done except by liars .
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"WEALTH"Wealth is the slave of a wise man. The master of a fool.
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"INTELLIGENT INVESTING"Time, patience & money are the tripods of sensible, intelligent investing.
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"Thought of the day""If investing is entertaining, if you're having fun, you're probably not making any money. Good investing is boring."
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"HABIT""A HABIT STARTS WITH A CHANGE THAT IS TOO SLIGHT TO BE NOTICED UNTIL IT BECOMES TOO STRONG TO BE BROKEN."
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"CREATING AN ESTATE""MOST PEOPLE THINK MORE ABOUT CREATING AN ESTATE THAN CONSERVING AN ESTATE."