Mr. SCHWARTZ: We do try to refine it, but I would say that we try to be consistent, as well, so that from one year to the next, you can rely on the categories that you're comparing.

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For instance, that you can rely on the stock market returning 10% to 12% per year on average.

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Marc is a value stock research whiz and his newsletter seeks out micro-cap stocks that you can rely on, rather than the risky speculative ones that trade on hype and hope.

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"It just goes to show that in this day and age, you can't rely on public funding from any source, " said Ms Gray.

BBC: News

The credit rating is a measure of how trustworthy sovereign bonds are, or how much you can rely on governments to deliver on the promise of payment that a bond represents.

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Rely on a support network of friends and family to help out with the kids so that you can tackle your career the way you want to and do it better than the next person.

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