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On what principle is it, that when we see nothing but improvement behind us, we are to expect nothing but deteroration before us?

Macaulay, T.B. 1830

"The physical sciences three laws can explain 99% of behavior, whereas in finance 99 laws can explain at best 3% of behavior."

-Amdrew Lo- MIT's Sloan Schol of Management 

“It is not the critic who counts, not the man who points out how the strong man stumbled, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena; whose face is marred by dust and sweat and blood; who strives valiantly; who errs and comes short again and again; who knows the great enthusiasms, the great devotions and spends himself in a worthy cause; who at the best, knows in the end the triumph of high achievement; and who; at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who know neither victory or defeat.”

Theodore Roosevelt

"A fool and his money are soon parted"