David Horne

As for me, I would seek God,

and to God would I commit my cause,

9  who does great things and unsearchable,

marvelous things without number:

10  he gives rain on the earth

and sends waters on the fields;

11  he sets on high those who are lowly,

and those who mourn are lifted to safety.

12  He frustrates the devices of the crafty,

so that their hands achieve

Expected Annual Return = (1 + % Gain Needed to Recover)^(1/Number of Years to Recover) – 1 But since we know that the “% Gain Needed to Recover” is 50%, we can plug in this number and simplify this equation to: Expected Annual Return = (1.5)^(1/Number of Years to Recover) – 1 So, if you think the market recovery will take: 1 year, then your

The 2x Rule works like this: Anytime I want to splurge on something, I have to take the same amount of money and invest it as well. So, if I wanted to buy a $400 pair of dress shoes, I would also have to buy $400 worth of stocks (or other income-producing assets). This makes me re-evaluate how much I really want something because if I am not

Left to ourselves we tend immediately to reduce God to manageable terms. We want to get Him where we can use Him, or at least know where He is when we need Him. We want a God we can in some measure control. We need the feeling of security that comes from knowing what God is like, and what He is like is of course a composite of all the religious

Worth repeating: The worst time to discuss” performance is on the ride home. We may want to talk so bad that it is like acid in our mouth—they need to know what we think. We have great points, and they need to know how they can improve. All true, but we just cannot share them on the ride home.

Failure is never fatal. It may feel like it for a while, but it is only a challenge. Keeping athletics in the proper perspective for our children helps them keep their problems in perspective.

One: You have to train yourself to notice things. It's not 100% natural at first – it certainly wasn’t for me – but raising those antennae is a very worthwhile thing to do. And it snowballs: once I got started taking notes, I ended up taking more and more of them.

Two: Be very liberal about what you keep. If you're going through your notes, cross