A dissatisfied customer does not complain: he just switches. —William Edwards Deming This switching is true of all relationships, so beware when complaints stop.

Silence is sometimes the most biting criticism.

The clever writer Edgar Watson Howe said “a good scare is worth more than good advice.” Alas here he errs, badly. Advice—especially good advice—is sure to be ignored, often with an eye-roll. But the mischief of escaping the consequences of a near miss—the good scare—has just

Can't wait!!

The poet George Herbert said "Living well is the best revenge." I s'pose. It's also its own reward, and if fully embraced, revenge should be the last thing on your mind.

Jean-Jacques Rousseau said "Man is born free, and everywhere he is in chains." Word! Self-imposed chains. As his wiser and more clever contemporary Voltaire said, "It is hard to free fools from the chains they revere."

Food for investment thought. Pop Quiz: What is the world's best performing stock market for the past quarter-century? Returns of the world's 5 largest economies this century, with gold as a benchmark: Japan 98% China 147% Germany 245% US 303% Gold 1039% India 1540%

The world is full of dreamers and sculptors, improvising resourcefully with whatever materials providence and chance present us each moment, to give form to our dreams large and small. Dreams are fine but immaterial things, remember the aim is to sculpt in the world. What

Living in the past is not living.

The moment you find yourself in the grip of the heady feeling that you can do no wrong— you just made your first mistake. Others will follow, soon enough.

Everything spreads through social networks. Moods and Emotions—positive as well as negative. Behaviors—positive as well as negative. If someone in a network becomes depressed and puts on weight, others in the network will begin feeling depressed and putting on weight. If