The problem with the gene pool is that there is no lifeguard. The sooner you fall behind, the more time you'll have to catch up. A clear conscience is usually the sign of a bad memory. If you must choose between two evils, pick the one you've never tried before. A fool and his money are soon partying.
Bills travel through the mail at twice the speed of checks.
Borrow money from pessimists-they don't expect it back. Half the people you know are below average.