When not to speculate

There are two times in a man's life when he should not speculate - when he can't afford it and when he can.

- Mark Twain

Banker

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- Mark Twain

October is a dangerous month

October is one of the particularly dangerous months to invest in stocks. Other dangerous months are July, January, September, April, November, May, March, June, December, August and February.

- Mark Twain