If you have a 19 percent credit card and you pay it off you make 19 percent on your money. If you have a 25 percent credit card and you pay it off, you're making 25 percent on your money - guaranteed!

People buy books [and] Amazon is so easy. Go to the library instead.

The best real-estate investments with the highest yields are in working-class neighborhoods, because fancy properties are overpriced.

The rule on staying alive as a forecaster is to give 'em a number or give 'em a date, but never give 'em both at once.

Term rates keep dropping and dropping and dropping; it's just amazing.

If a salesperson shows you a gee-whiz but complicated financial product, you can be sure of two things: You don't need it and it's overpriced. You can get the same result with something easier, wiser and lower-cost.

Call your credit-card company and see if they'll lower your interest rate on your debts.

You'll almost certainly spend all the rest of your pay, but your daily expenses will adjust themselves, magically, to the amount of money in your account. You will budget mentally, without having to write everything down.

You normally don't get a margin call unless your securities, minus the debt, are worth 30% or less of their nominal market value.