A person who spends much time, thought and effort and consults with experts assures himself that his investments are safe and sound. When we allow life to be a series of accidents and let "fate" take control, we are the losers.

Accidents often happen because we are careless or have grown weary and are no longer alert. Whether we think in terms of the physical or spiritual, our bank account rises or falls according to the degree of control and effort we invest. Take charge—know where you are going.