Responsible choice involves consequences, not the least of which are relinquishments all along our way.

Life's up and downs provide windows of opportunity to determine your values and goals. Think of using all obstacles as stepping stones to build the life you want.

To find in ourselves what makes life worth living is risky business, for it means that once we know we must seek it. It also means that without it life will be valueless.

Change can either challenge or threaten us. Your beliefs pave your way to success or block you.

Starting out to make money is the greatest mistake in life. Do what you feel you have a flair for doing, and if you are good enough at it, the money will come.

In 2001, I did some research and identified four characteristics that successful companies share. One, they aspire to be leaders in their businesses. Two, they have global potential. Three, they are innovative. Four, they display a ruthless focus on financial returns.

If you worry about financial Armageddon, it is indeed metaphorically the time to stock your bunker with guns, ammunition, canned food and gold bars.

John D. Rockefeller apparently became more of a tightwad the richer he got. I don't know if it is true, but one story I read was about one of his sons having to wear his older sister's clothes in order to save money.