Everyone Needs A Small-town Banker.

It's A Fact: Stock Investors Sometimes Lose Money On Their Way To Wealth. Get Over It.

You Don't Date An Annuity, You Marry It. An Annuity Isn't A Mutual Fund That You Buy Today And Sell Tomorrow. Nor Is It A Certificate Of Deposit, Ready For Any New Use At Maturity. When You Buy An Annuity, You Are Making (or Ought To Be Making) A 15- Or 20-year Commitment, At Least.

Hindsight Is Not A Strategy.

The Shortest Period Of Time Lies Between The Minute You Put Some Money Away For A Rainy Day And The Unexpected Arrival Of Rain.

A Faithfully Kept Program Of Savings And Conservative Investments Can Give You More Money And A Better Life Than That Of Your Neighbors Who Spend Everything They Get. This Is Probably The Oldest Financial Advice In The World, But There Are Some Things You Can't Improve On.