Tim’s Commandments:

1. If someone can steal from you, they will. (No matter how sincere or elegant they appear)

2. Beware of “Opacity.” (That’s why the shell game needs shells to work)

3. Free advice is worth less than it costs.  (Altruism Schmaltruism)

4. You can’t get something for nothing.  (There is no Holy Grail)

5. If you can’t figure it out for yourself, don’t do it. (see commandment #1)

6. There is no such thing as “Market-Making”.  (Because the word “Stealing” is not good for business)

7. If you don’t know who the sucker is.…

8. The light at the end of the tunnel could very well be a train, so enjoy the tunnel.. 

9.  If you need an answer today, the answer is "No"**  (credit to N. Schmale...a man of principle)