"There are two times in a man's life when he should not speculate: when he can't afford it and when he can." - Mark Twain
"It's unwise to pay too much, but it's unwise to pay too little, too. When you pay too much, you lose a little money...that is all. When you pay too
little, you sometimes lose everything because the thing you bought was incapable of doing the thing it was bought to do. The Common Law of business balance prohibits paying a little and
getting a lot...it can't be done. If you deal with the lowest bidder, it is well to add something for the risk you run, and if you do that, you have enough to pay for something better."
- John Ruskin (1800's)