We're all familiar with the certainty of death and taxes. However, I've been around long enough to know that there are some other things in life that are nearly as certain (while trying to avoid most of the common clichés):
1) It is generally a mistake to expect smoothing sailing for any event or period of time. Furthermore, the more complex the event or the longer the time period, the lesser the likelihood of smooth sailing.
2) Most "bargains" are a fallacy. With the exception of charitable donations, any material thing that you can get for little or nothing is likely to be worth just that.
3) Most of the things which dominate our attention and concern on a daily basis won't matter at all to us when we are (or think we are) nearing death.
4) The easier something is to do, the more people there are who will be doing it.
5) Offers of freebies will attract bigger crowds than requests for donations.
6) The real tests of a person's character come at those times when no one else is looking.
7) Prevention is something that most people don't consider until it's too late.
8) It takes longer to earn money that it does to spend it.
9) The shorter the holding period of a stock market investment, the greater the chance a loss will be incurred.
10) For any given subject, there is always someone who "knows" more about it than those who have the most practical experience with it.
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