“Become more humble as the market goes your way.” – Bernard Baruch

“In the short term the impact of costs may appear modest, but over the long run, investment costs become immensely damaging to an investor’s standard of living. Think long term!” – John Bogle At this point, most investors are aware of the fact that keeping your costs low is one of the most important factors…

“Every dollar you spend is a vote for what you value in life.” – Anonymous “I like the fundamental tenets — do unto others as you would have them do unto you, try to be a good citizen, do what’s right for the people around you.” – John Bogle

“Opinion is ultimately determined by the feelings, and not by the intellect.” – Herbert Spencer

“One half of your return is determined by your investments, the other half by what kind of person you are.” – John Bogle

“An investor needs to do very few things right as long as he or she avoids big mistakes.” – Warren Buffett

“There is risk, there is return and there are costs, all else is marketing.” – Rick Ferri When I get sick of music or sports talk radio on my commute into work I often like to fill that time with podcasts. My iPhone plugs right into my car radio so it’s an easy change of…

“It’s the gift that keeps on giving Clark.” – Cousin Eddie Here are some of my easy, last-minute holiday gift ideas. Netflix Streaming Subscription This is perhaps one of the greatest deals around right now. It’s only $7.99/month for this service. You can give someone the gift of binge watching great TV shows like Friday…

“Most investors are primarily oriented toward return, how much they can make and pay little attention to risk, how much they can lose.” – Seth Klarman Reader mailbag: Is there a way to create a laddered bond portfolio using bond funds instead of individual bonds? I can understand why bond investors would be looking at…

“All my life I made mistakes, but in losing money I have gained experience and accumulated a lot of valuable don’ts.” – Jesse Livermore