Treat your customers like lifetime partners.

The world is your mirror and your mind is a magnet. What you perceive in this world is largely a reflection of your own attitudes and beliefs. Life will give you what you attract with your thoughts think, act and talk negatively and your world will be negative. Think and act and talk with enthusiasm and you will attract positive results.

We talk about saving time and killing time when actually we can't do either. We have no choice but to spend it at a constant and flowing rate.

All of us live at the feeling level, and our feelings are in large part a result of the way we perceive things. You observe or are told something, you interpret it, and only then do you have a reaction at the feeling level. The point is that feeling is preceded by perception, and all of us are capable of controlling our interpretation [the associations and assumptions] of what we see. If we can control our interpretation, then it logically follows that we can exercise some control over our feelings as well.

An asset allocation plan is based on your personal circumstances, goals, time-horizon, and need and willingness to take risk.

It's important for you to understand that stock and bonds go up-and they go down. You need to be comfortable with that fact.

Index investing is an investment strategy that Walter Mitty would love. It takes very little investment knowledge, no skill, practically no time or effort-and outperforms about 80 percent of all investors.

Knowing nothing about investing might be a benefit. You won't have to unlearn many popular beliefs propagated by Wall Street and the media that aren't true.

We know that by simply changing our allocation between stocks and bonds, we can lessen the amount of volatility in our portfolio until we reach our comfortable sleep level.

The most important key to successful investing can be summed up in just two words-asset allocation.