Invest minimum for your old self, near future, big dreams, and invest maximum for unforeseen crisis, death or disability, and self-esteem; spend the rest.

1. Bulls Make Money, Bears Make Money, Pigs Get Slaughtered
2. It’s OK to Pay the Taxes
3. Don’t Buy All at Once
4. Buy Damaged Stocks, Not Damaged Companies
5. Diversify to Control Risk
6. Do Your Stock Homework
7. No One Made a Dime by Panicking
8. Buy Best-of-Breed Companies
9. Defend Some Stocks, Not All
10. Bad Buys Won’t Become Takeovers
11. Don’t Own Too Many Stocks
12. Cash is for Winners
13. No Woulda, Shoulda, Couldas
14. Expect, Don’t Fear Corrections
15. Don’t Forget About Bonds
16. Never Subsidize Losers With Winners
17. Check Hope at the Door
18. Be Flexible
19. When the Chiefs Retreat, So Should You
20. Giving Up on Value is a Sin
21. Be a TV Critic
22. Wait 30 Days After Warnings
23. Beware the Wall Street Hype
24. Explain Your Picks
25. There’s Always a Bull Market

• Ideation is the process for clearly stating an idea by answering the following questions in writing:
  
  • What is the opportunity (premise)?
  • What are you offering (solution)?
  • Who will buy it (market)?
  • Why will I win (Advantage)?
  • How do I make money (Business)?
• You will have the opportunity to present your idea to your peers and to seasoned businesses mentors.
• The feedback as well as the mentors summary will be geared towards helping the entrepreneur achieving the following:
  
  • Clearly defining the idea so it is understandable and soundly rooted in a great opportunity
  • Shaping the idea so that there is a good chance it will have significant commercial value
  • Judging were the idea fits well into the implied industry
  • Determining if the idea has commercial merit
• After the idea has been refined, the entrepreneur has a discussion with the mentor, and answers certain business and personal questions pertaining to the viability of the idea and the entrepreneurs readiness to pursue it.
• Based on the answers, the entrepreneurs decides whether or not to proceed to Conceptualization.

• “Everything started as nothing.” – Ben Weissenstein
• “To any entrepreneur: if you want to do it, do it now. If you don’t, you’re going to regret it.” – Catherine Cook
• “If you’re not doing the things that you love, then your life is not worth living. What are you here for?” – King Sidharth
• “Manual labor sucks, dude.” – Alex Fraiser
• “A lot of people have said that the internet is a teenager. Guess who understands a teenager best: a teenager.” – Syed Balkhi
• “Start today, not tomorrow. If anything, you should have started yesterday. The earlier you start, the more time you have to mess up.” – Emil Motycka
• “There’s no committee that says, ‘This is the type of person who can change the world – and you can’t.’ Realizing that anyone can do it is the first step. The next step is figuring out how you’re going to do it.” – Adora Svitak
• “Every single person I know who is successful at what they do is successful because they love doing it.” – Joe Penna
• “Over-deliver every time.” – Alex Maroko
• “There is no reason to be hesitant… becoming an entrepreneur is a learning experience.” – Savannah Britt
• “I could never learn what I’m learning at college. They don’t teach it there, because it can’t be learned in that way.” – Philip Hartman
• “You’ve got to stop doing all the things that people have tried, tested, and found out don’t work.” – Michael Dunlop
• “I think what teenagers lack is the belief that they can be unique and extraordinary in life. Make the most of your age because you’re not going to be a teenager forever!” – Sabirul Islam
• “You could have a million ideas, but they’re all worthless if you don’t get them done.” – Lauren Amarante
• “Success comes down to hard work plus passion, over time. If you work really, really hard over a long period of time, it will pay off.” – Stanley Tang
• “If you have a goal, be relentless in your pursuit.” – Keith J. Davis Jr.
• “I just try to think of myself as an entrepreneur who happens to be a teen.” – Mark Bao
• “I’m going to reinvent the wheel. My vision of the wheel is unique.” – King Sidharth
• “I would like to be the messed-up child of Steve Jobs, Mark Zuckerberg, Bill Gates, and Tim Ferriss – morphed into super-genius entrepreneur.” – Marshall Haas
• “It’s not about how many years of experience you have. It’s about the quality of your years of experience.” – Jacob Cass
• “If you’re not making mistakes, then you’re not making decisions.” – Catherine Cook
• “If you pursued something that you felt strongly about, then I call that success.” – Adora Svitak
• “I like the idea of working hard now, so you can earn big later.” – Alex Fraiser
• “Failures are the stepping stones to success.” – Farrhad Acidwalla
• “I hope my companies will help create value and make people happier in the long run. That’s what I’m in it for.” – Mark Bao
• “All of my friends were doing babysitting jobs. I wanted money without the job.” – Adam Horwitz
• “The hardest part about being an entrepreneur is that you’ll fail ten times for every success.” – Adam Horwitz
• “It was just one year ago that I realized that what I was doing was entrepreneurship. Just two weeks ago, I learned how to spell it [laughs].” – King Sidharth
• “You always want to surround yourself with people who are rooting for you and who want you to succeed. Stay away from the naysayers who couldn’t do it themselves.” – Arjun Rai
• “You should always stay hungry. Stay hungry, so you can eat.” – Syed Balkhi
• “If you can’t communicate, you’re going to find yourself a lonely businessperson.” – Keith J. Davis Jr.
• “I don’t want to look too far ahead. The journey is what’s happening right now, not what’s on the finishing line.” – Sabirul Islam
• “Starting your own business is like riding a roller coaster. There are highs and lows and every turn you take is another twist. The lows are really low, but the highs can be really high. You have to be strong, keep your stomach tight, and ride along with the roller coaster that you started.” – Lindsay Manseau
• “If you start with nothing and end up with nothing, there’s nothing lost.” – Michael Dunlop
• “The biggest failure you can have in life is not trying at all.” – Emil Motycka
• “If you’re not in an uncomfortable situation every single day, then you’re doing something wrong.” – Lauren Amarante
• “If you can find people who think that what you’re doing is great, they’re going to do everything in their power to make it a success.” – Juliette Brindak
• “All that you need to become an entrepreneur and change the world is a working brain – and pretty much nothing else.” – Adora Svitak
• “Make it happen now, not tomorrow. Tomorrow is a loser’s excuse.” – Andrew Fashion
• “I like computer games and I treat business a bit like a computer game. I count money as points. I’m doing really well: making lots of money and lots of points.” – Michael Dunlop

1. CHANGE YOUR LIGHT
   If every household in the United State replaced one regular lightbulb with one of those new compact fluorescent bulbs, the pollution reduction would be equivalent to removing one million cars from the road.
   Don't like the color of light? Use these bulbs for closets, laundry rooms and other places where it won't irk you as much.
   
2. TURN OFF COMPUTERS AT NIGHT
   By turning off your computer instead of leaving it in sleep mode, you can save 40 watt-hours per day. That adds up to 4 cents a day, or $14 per year. If you don't want to wait for your computer to start up, set it to turn on automatically a few minutes before you get to work, or boot up while you're pouring your morning cup 'o joe.
   
3. DON'T RINSE
   Skip rinsing dishes before using your dishwasher and save up to 20 gallons of water each load. Plus, you're saving time and the energy used to heat the additional water.
   
4. DO NOT PRE-HEAT THE OVEN
   Unless you are making bread or pastries of some sort, don't pre-heat the oven. Just turn it on when you put the dish in. Also, when checking on your food, look through the oven window instead of opening the door.
   
5. RECYCLE GLASS
   Recycled glass reduces related air pollution by 20 percent and related water pollution by 50 percent. If it isn't recycled it can take a million years to decompose.
   
6. DIAPER WITH A CONSCIENCE
   By the time a child is toilet trained, a parent will change between 5,000 and 8,000 diapers, adding up to approximately 3.5 million tons of waste in U.S. landfills each year. Whether you choose cloth or a more environmentally-friendly disposable, you're making a choice that has a much gentler impact on our planet.
   
7. HANG DRY
   Get a clothesline or rack to dry your clothes by the air. Your wardrobe will maintain color and fit, and you'll save money.
   Your favorite t-shirt will last longer too.
   
8. GO VEGETARIAN ONCE A WEEK
   One less meat-based meal a week helps the planet and your diet. For example: It requires 2,500 gallons of water to produce one pound of beef. You will also also save some trees. For each hamburger that originated from animals raised on rainforest land, approximately 55 square feet of forest have been destroyed.
   
9. WASH IN COLD OR WARM
   If all the households in the U.S. switched from hot-hot cycle to warm-cold, we could save the energy comparable to 100,000 barrels of oil a day.
   Only launder when you have a full load.
   
10. USE ONE LESS PAPER NAPKIN
    During an average year, an American uses approximately 2,200 napkins—around six each day. If everyone in the U.S. used one less napkin a day, more than a billion pounds of napkins could be saved from landfills each year.
    
11. USE BOTH SIDES OF PAPER
    American businesses throw away 21 million tons of paper every year, equal to 175 pounds per office worker. For a quick and easy way to halve this, set your printer's default option to print double-sided (duplex printing). And when you're finished with your documents, don't forget to take them to the recycling bin.
    
12. RECYCLE NEWSPAPER
    There are 63 million newspapers printed each day in the U.S. Of these, 44 million, or about 69%, of them will be thrown away. Recycling just the Sunday papers would save more than half a million trees every week.
    
13. WRAP CREATIVELY
    You can reuse gift bags, bows and event paper, but you can also make something unique by using old maps, cloth or even newspaper. Flip a paper grocery bag inside out and give your child stamps or markers to create their own wrapping paper that's environmentally friendly and extra special for the recipient.
    
14. RETHINK BOTTLED WATER
    Nearly 90% of plastic water bottles are not recycled, instead taking thousands of years to decompose. Buy a reusable container and fill it with tap water, a great choice for the environment, your wallet, and possibly your health. The EPA's standards for tap water are more stringent than the FDA's standards for bottled water.
    
15. BATHTIME!
    Have a no-bath week, and take showers instead. Baths require almost twice as much water. Not only will you reduce water consumption, but the energy costs associated with heating the water.
    
16. BRUSH WITHOUT RUNNING
    You've heard this one before, but maybe you still do it. You'll conserve up to five gallons per day if you stop. Daily savings in the U.S. alone could add up to 1.5 billion gallons--more water than folks use in the Big Apple.
    
17. SHOWER WITH YOUR PARTNER
    Sneak in a shower with your loved one to start the day with some zest that doesn't come in a bar. Not only have you made a wise choice for the environment, but you may notice some other added...um...benefits.
    
18. TAKE A SHORTER SHOWER
    Every two minutes you save on your shower can conserve more than ten gallons of water. If everyone in the country saved just one gallon from their daily shower, over the course of the year it would equal twice the amount of freshwater withdrawn from the Great Lakes every day.
    
19. PLANT A TREE
    It's good for the air, the land, can shade your house and save on cooling (plant on the west side of your home), and they can also improve the value of your property.
    Make it meaningful for the whole family and plant a tree every year for each member.
    
20. USE YOUR CRUISE CONTROL
    You paid for those extra buttons in your car, so put them to work! When using cruise control your vehicle could get up to 15% better mileage. Considering today's gasoline prices, this is a boon not only for the environment but your budget as well.
    
21. SECOND-HAND DOESN'T MEAN SECOND-BEST
    Consider buying items from a second-hand store. Toys, bicycles, roller blades, and other age and size-specific items are quickly outgrown. Second hand stores often sell these items in excellent condition since they are used for such a short period of time, and will generally buy them back when you no longer need them.
    
22. BUY LOCAL
    Consider the amount of pollution created to get your food from the farm to your table. Whenever possible, buy from local farmers or farmers' markets, supporting your local economy and reducing the amount of greenhouse gas created when products are flown or trucked in.
    
23. ADJUST YOUR THERMOSTAT
    Adjust your thermostat one degree higher in the summer and one degree cooler in the winter. Each degree celsius less will save about 10% on your energy use! In addition, invest in a programmable thermostat which allows you to regulate temperature based on the times you are at home or away.
    
24. INVEST IN YOUR OWN COFFEE CUP
    If you start every morning with a steamy cup, a quick tabulation can show you that the waste is piling up. Invest in a reusable cup, which not only cuts down on waste, but keeps your beverage hot for a much longer time. Most coffee shops will happily fill your own cup, and many even offer you a discount in exchange!
    
25. BATCH ERRANDS
    Feel like you spend your whole week trying to catch up with the errands? Take a few moments once a week to make a list of all the errands that need to get done, and see if you can batch them into one trip. Not only will you be saving gasoline, but you might find yourself with much better time-management skills.
    
26. GREENER LAWN CARE
    If you must water your lawn, do it early in the morning before any moisture is lost to evaporation. Have a few weeds? Spot treat them with vinegar. Not sure if you should rake? Normal clippings act as a natural fertilizer, let them be. If you've waited too long, rake by hand — it's excellent exercise.
    
27. TURN OFF LIGHTS
    Always turn off incandescent bulbs when you leave a room. Fluorescent bulbs are more affected by the number of times it is switched on and off, so turn them off when you leave a room for 15 minutes or more. You'll save energy on the bulb itself, but also on cooling costs, as lights contribute heat to a room.
    
28. PICNIC WITH A MARKER
    Some time in between the artichoke dip and the coleslaw, you lost track of your cup, and now there are a sea of matching cups on the table, one of which might be yours. The next time you picnic, set out permanent marker next to disposable dinnerware so guests can mark their cup and everyone will only use one.
    
29. RECYCLE OLD CELL PHONES
    The average cell phone lasts around 18 months, which means 130 million phones will be retired each year. If they go into landfills, the phones and their batteries introduce toxic substances into our environment. There are plenty of reputable programs where you can recycle your phone, many which benefit noble causes.
    
30. MAINTAIN YOUR VEHICLE
    Not only are you extending the life of your vehicle, but you are creating less pollution and saving gas. A properly maintained vehicle, clean air filters, and inflated tires can greatly improve your vehicle's performance. And it might not hurt to clean out the trunk—all that extra weight could be costing you at the pump.
    
31. RECYCLE UNWANTED WIRE HANGERS
    Wire hangers are generally made of steel, which is often not accepted by some recycling programs. So what do you do with them? Most dry cleaners will accept them back to reuse or recycle. (Cue Joan Crawford.)
    
32. RECYCLE ALUMINUM AND GLASS
    Twenty recycled aluminium cans can be made with the energy it takes to manufacture one brand new one.
    Every ton of glass recycled saves the equivalent of nine gallons of fuel oil needed to make glass from virgin materials.
    
33. TELECOMMUTE
    See if you can work out an arrangement with your employer that you work from home for some portion of the week. Not only will you save money and gasoline, and you get to work in your pajamas!
    
34. KEEP YOUR FIREPLACE DAMPER CLOSED
    Keeping the damper open (when you're not using your fireplace) is like keeping a 48-inch window wide open during the winter; it allows warm air to go right up the chimney. This can add up to hundreds of dollars each winter in energy loss.
    
35. CUT DOWN ON JUNK MAIL
    Feel like you need to lose a few pounds? It might be your junk mail that's weighing you down. The average American receives 40 pounds of junk mail each year, destroying 100 millions trees. There are many services that can help reduce the clutter in your mailbox, saving trees and the precious space on your countertops.
    
36. CHOOSE MATCHES OVER LIGHTERS
    Most lighters are made out of plastic and filled with butane fuel, both petroleum products. Since most lighters are considered "disposable," over 1.5 billion end up in landfills each year. When choosing matches, pick cardboard over wood. Wood matches come from trees, whereas most cardboard matches are made from recycled paper.
    
37. LET YOUR FINGERS DO THE WALKING—ONLINE
    Consider if you really need a paper phone book. If not, call to stop phone book delivery and use an online directory instead. Some estimate that telephone books make up almost ten percent of waste at dump sites. And if you still receive the book, don't forget to recycle your old volumes.
    
38. GIVE IT AWAY
    Before you throw something away, think about if someone else might need it. Either donate to a charitable organization or post it on a web site designed to connect people and things, such as Freecycle.org.
    
39. GO TO A CAR WASH
    Professional car washes are often more efficient with water consumption. If everyone in the U.S. who washes their car themselves took just one visit to the car wash we could save nearly 8.7 billion gallons of water.
    
40. PLASTIC BAGS SUCK
    Each year the U.S. uses 84 billion plastic bags, a significant portion of the 500 billion used worldwide. They are not biodegradable, and are making their way into our oceans, and subsequently, the food chain. Stronger, reusable bags are an inexpensive and readily available option.
    
41. FLY WITH AN E-TICKET
    The cost of processing a paper ticket is approximately $10, while processing an e-ticket costs only $1. In the near future, e-tickets will be the only option, saving the airline industry $3 billion a year. In addition to financial savings, the sheer amount of paper eliminated by this process is commendable.
    
42. DOWNLOAD YOUR SOFTWARE
    Most software comes on a compact disc, and more than thirty billion compact discs of all types are sold annually. That's a huge amount of waste, not to mention the associated packaging. Another bonus to downloading your software is that it's often available for download at a later date when you upgrade to a new computer or are attempting to recover from a crash.
    
43. STOP YOUR ANSWERING MACHINE
    Answering machines use energy 24 hours a day, seven days a week. And when they break, they're just one more thing that goes into the landfill. If all answering machines in U.S. homes were eventually replaced by voice mail services, the annual energy savings would total nearly two billion kilowatt-hours.
    
44. SKIP THE COFFEE STIRRER
    Each year, Americans throw away 138 billion straws and stirrers. But skipping the stirrer doesn't mean drinking your coffee black. Simply put your sugar and cream in first, and then pour in the coffee, and it should be well mixed.
    Determined to stir? Break off a piece of pasta from the cupboard. You can nibble after using it, compost, or throw away with less guilt.
    
45. FIND A BETTER WAY TO BREAK THE ICE
    When a big winter storm heads our way, most of us use some sort of ice melter to treat steps and sidewalks. While this makes the sidewalks safer for people, it may pose a hazard for pets who might ingest these products. Rock salt and salt-based ice-melting products can cause health problems as well as contaminate wells and drinking water. Look for a pet-safe deicer, readily available in many stores.
    
46. USE COTTON SWABS WITH A PAPERBOARD SPINDLE
    Some brands of cotton swabs have a paperboard spindle while others are made of plastic. If 10% of U.S. households switched to a paperboard spindle, the petroleum energy saved per year would be equivalent to over 150,000 gallons of gasoline.
    
47. PAY BILLS ONLINE
    By some estimates, if all households in the U.S. paid their bills online and received electronic statements instead of paper, we'd save 18.5 million trees every year, 2.2 billion tons of carbon dioxide and other greenhouse gases, and 1.7 billion pounds of solid waste.
    
48. STOP PAPER BANK STATEMENTS
    Some banks will pay you a dollar or donate money on your behalf when you cancel the monthly paper statements you get in the mail. If every household took advantage of online bank statements, the money saved could send more than seventeen thousand recent high school graduates to a public university for a year.
    
49. USE RECHARGABLE BATTERIES
    Each year 15 billion batteries produced and sold and most of them are disposable alkaline batteries. Only a fraction of those are recycled. Buy a charger and a few sets of rechargeable batteries. Although it requires an upfront investment, it is one that should pay off in no time. And on Christmas morning when all the stores are closed? You'll be fully stocked.
    
50. SHARE!
    Take what you've learned, and pass the knowledge on to others. If every person you know could take one small step toward being greener, the collective effort could be phenomenal.

1. You can’t cross the sea merely by standing and staring at the water.
2. I slept and dreamt that life was Joy. I woke and saw that life was Duty. I acted, and behold, Duty was Joy.
3. Let your life lightly dance on the edges of Time like dew on the tip of a leaf.
4. The emancipation of our physical nature is in attaining health, of our social being in attaining goodness, and of our self in attaining love.
5. Do not say, “It is morning,” and dismiss it with a name of yesterday. See it for the first time as a newborn child that has no name.
6. Your idol is shattered in the dust to prove that God’s dust is greater than your idol.
7. According to the true Indian view, our consciousness of the world, merely as the sum total of things that exist, and as governed by laws, is imperfect. But it is perfect when our consciousness realizes all things as spiritually one with it, and therefore capable of giving us joy. For us the highest purpose of this world is not merely living in it, knowing it and making use of it, but realizing our own selves in it through expansion of sympathy; not alienating ourselves from it and dominating it, but comprehending and uniting it with ourselves in perfect union.
8. I have become my own version of an optimist. If I can’t make it through one door, I’ll go through another door – or I’ll make a door. Something terrific will come no matter how dark the present.
9. We live in the world when we love it.
10. We gain freedom when we have paid the full price.
11. Children are living beings – more living than grown-up people who have built shells of habit around themselves. Therefore it is absolutely necessary for their mental health and development that they should not have mere schools for their lessons, but a world whose guiding spirit is personal love.
12. Objects of knowledge maintain an infinite distance from us who are the knowers. For knowledge is not union. Therefore the further world of freedom awaits us there where we reach truth, not through feeling it by senses or knowing it by reason, but through union of perfect sympathy.
13. It is very simple to be happy, but it is very difficult to be simple.
14. If you shut the door to all errors, truth will be shut out.
15. Let me not pray to be sheltered from dangers, but to be fearless in facing them. Let me not beg for the stilling of my pain, but for the heart to conquer it.
16. Asks the Possible of the Impossible, “Where is your dwelling-place?” “In the dreams of the Impotent,” comes the answer.
17. Life is perpetually creative because it contains in itself that surplus which ever overflows the boundaries of the immediate time and space, restlessly pursuing its adventure of expression in the varied forms of self-realization.
18. Beauty is in the ideal of perfect harmony which is in the universal being; truth the perfect comprehension of the universal mind. We individuals approach it through our own mistakes and blunders, through our accumulated experience, through our illumined consciousness – how, otherwise, can we know truth?
19. We come nearest to the great when we are great in humility.
20. There are two kinds of adventurers; those who go truly hoping to find adventure and those who go secretly hoping they won’t.
21. In love all the contradiction of existence merge themselves and are lost. Only in love are unity and duality not at variance. Love must be one and two at the same time. Only love is motion and rest in one. Our heart ever changes its place till it finds love, and then it has its rest… Bondage and liberation are not antagonistic in love. For love is most free and at the same time most bound.