"It has been said that one does not need to be a genius to become a successful investor. Many (good) investment philosophies can be written on the back of a cocktail napkin. What may be more important is a wellspring of self-discipline to implement one's chosen investment strategy."

"It's so satisfying to beat them at their own game: use the card, get the rewards, and never give them so much as a penny in interest and finance charges.

Well, I outsmarted myself. This month I have charged much, much more than I can comfortably pay off. "

"Go with the flow, observe everyone else till you figure out the lay of the land, i.e. who will stab you in the back professionally for vomiting in the toilet last month when everyone was at the product launch party."