You have to take risks, there is no other way to get ahead… the trick is to take calculated risks.

Always have a plan B.

Think like a paranoid optimist.

Expect the best, plan for the worst.

Don’t begrudge the insurance company its premium, pay up.

If you can’t get insurance then be sure to put aside money for a rainy day (or for a drought).

Its easy to think the good times will never end. But all good times end.

When the music stops make sure you have a chair.

When the music starts again the dance-floor will be less crowded.