What we are saying is, do your homework.

FORBES: Supermarket Sweepstakes

Do your homework to make sure what you are buying is well diversified with top sector exposure in defensive categories and that the top holdings are fairly evenly weighted.

FORBES: Low Volatility Funds May Not Be As Low Risk As You Think

If you do your homework online, you know about what the car should cost.

FORBES: Groupon Remains a Put On

Do your homework on apps, mobile websites and m-commerce, along with reviewing what others in your industry are doing with mobile.

FORBES: What You Need To Know About Your Mobile Device and How it's Changing the World

No matter what is going on in your lives, you have to go to school and you have to do your homework every day -- every day.

WHITEHOUSE: The White House