"Our good nature and endearing qualities will not arouse the answers to our prayers. Rather it is our mischievous, dishonest attributes that provide the master keys to heaven. When we identify and work to transform our self-centered qualities and crooked characteristics, the key turns and the gates unlock. Blessings and good fortune are now free to rain down upon us."

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J.P. Morgan once had a friend who was so worried about his stock holdings that he could not sleep at night. The friend asked, 'What should I do about my stocks?' Morgan replied, 'Sell down to your sleeping point' Every investor must decide the trade-off he or she is willing to make between eating well and sleeping well. High investment rewards can only be achieved at the cost of substantial risk-taking. So what is your sleeping point? Finding the answer to this question is one of the most important investment steps you must take.

— Burton Malkiel