We're given this fabulous bio-computer called a brain and rather than use it, we blindly follow so called experts.

Folks, everything you need is already inside you. You've got wisdom of ages, right between your ears.

Why would anyone throw away that power?

You are only person that reaps rewards, or suffers losses when you take action.

When you come to an informed decision and it works, you have learned another method to capitalize on.

If you blindly follow someone else's thinking, do you have to wait for them to come up with another pearl before you act?

Worse yet, if they're wrong, you not only suffer loss, you haven't learned a thing.

Do you want to know how to be a stock expert?

"You can learn something from every person you encounter in your life."

These were words spoken by my 9th grade Latin teacher, Mr. Harker. It's unclear why his words have stuck with me all these years. After all, how much wisdom could come from one who spends his days teaching teenagers a dead language they'll never use?

Little did I know then. Thank you Mr. Harker.

"What if she's an angel," asks country music newcomer Tommy Shane Steiner in his poignant, debut song with same title.

"A little girl on daddy's lap, hiding her disease with a baseball cap. You can turn channel. Most people do. But what if you were sitting in her daddy's shoes."

"Maybe she's an angel, sent here from Heaven, and she's making certain that you're doing your best to take time to help one another. Brother are you going to pass that test . . . What if she's an angel."

I remember first hearing song. It touched something very deep in me. So deep, in fact, I can't find words to adequately describe feeling that surfaced. It's enough to say a tremendous wave of emotion washed over me, and I began crying without really understanding why.

Nine short months ago much of world began a struggle to make sense of events which took place on September 11. Questions still remain, and healing continues.

I recall words of Reverend Billy Graham as he spoke at National Cathedral in Washington D.C. on September 14.

"We come together today to affirm our conviction that God cares for us, whatever our ethnic, religious or political background may be.

"The Bible says that He's "the God of all comfort, who comforts us in all our troubles."