You have to be practical and not just have a panic reaction.
My 16-year-old son has all of his college money invested in stock with Merrill. He's not in hedge funds. His money is in AT&T.
Overspending is a very attractive trap. If people like what they're doing, despite the worry of debt, they won't do anything about it.
I think it's a mistake to change (positions) out of fear, for the same reason it's a mistake to buy out of greed. There is no rationale for that type of behavior.
A business card makes your mind put together everything that you want to say. It makes you name the business, says where the business is going to be located, what hours you're going to be there, and how you can be reached.
We're very bullish with the average investor being able to handle their own stock portfolio, ... You don't have to be a genius.
It's important that you charge properly, not undercharge or overcharge. You can do that by talking to other kids who are doing the same sorts of things.