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I think most college students will agree that going off to school may involve some fun but it’s basically going to be their job for several years. That said, borrowing today’s title from the Disney movie Snow White and the Seven Dwarfs seems appropriate since that’s the song the dwarfs sing as they head out to work at the mine.

Over the years I’ve been involved in the world of investments, I’ve found that my clients have been able to make money in all three of stocks, bonds and real estate, though rarely at the same time. Since no one knows the best time to invest in any one of them, we encourage most of our clients to use all of them.

I’d like to begin with a shout-out to French pilot and author Antoine de Saint-Exupery who has entertained readers from youth through adulthood with his books The Little Prince and Night Flight. He was also a poet and creator of memorable phrases including the one I’ve borrowed for today’s title.

During the past seven years or so, interest rates have fallen to generational, if not all-time, lows. Here’s a chart showing the rate of the two year Treasury Note over that period courtesy of the Department of the Treasury:

I’ve heard that you can tell whether someone is an optimist or a pessimist by their answer to the question “Which do you want first, the good news or the bad?” I’ve started a couple of businesses during my working life, something that’s almost always associated with optimism. Yet my usual response to that question is to ask for the bad news first.

I think most college students will agree that going off to school may involve some fun but it’s basically going to be their job for a few years. That said, borrowing today’s title from the Disney movie Snow White and the Seven Dwarfs seems appropriate since it’s the song the dwarfs sing as they head out to work at the mine.

One of the small mysteries of my life is how my articles come into being. Sometimes I’m asked a question that seems like it might be of wider interest. Sometimes I read a book which I think others might find interesting. Sometimes a title forms itself in my mind and the article just follows.

As I write this in mid-April, Spring’s arrival seems to be on indefinite hold. So, with apologies to Alfred Lord Tennyson who wrote that this might be a good time to think of love, my current thoughts are on something a bit less romantic: taxes.

Since my beard has long been completely white there’s not much I can do to disguise my age. That being the case, there’s probably little further embarrassment in letting you know that I watched both Andy Rooney and Gilda Radner’s character “Emily Litella” on live television. What did these two have in common?