The Big Question Is: When Will The

I'd Like To Be Clear That A Number Of People Find Me Intolerable, And They Don't Hesitate To Say So - Which They And I Cherish.

There Are Two Main Drivers Of Asset Class Returns - Inflation And Growth.

What I'm Trying To Say Is That For The Average Investor, What I Would Encourage Them To Do Is To Understand There's Inflation And Growth - It Can Go Higher And Lower - And To Have Four Different Portfolios Essentially That Make Up Your Total Portfolio That Gets You Balanced.

Never Say Anything About A Person You Wouldn't Say To Them Directly, And Don't Try People Without Accusing Them To Their Face. Badmouthing People Behind Their Backs Shows A Serious Lack Of Integrity And Is Counterproductive. It Doesn't Yield Any Beneficial Change, And It Subverts Both The People You Are Badmouthing And The Environment As A Whole.

People With Good Work Habits Have To-do Lists That Are Reasonably Prioritized, And They Make Themselves Do What Needs To Be Done. By Contrast, People With Poor Work Habits Almost Randomly React To The Stuff That Comes At Them, Or They Can't Bring Themselves To Do The Things They Need To Do But Don't Like To Do (or Are Unable To Do).