Have wines actually gotten that much better, or has grade inflation become as common among wine critics as it has among high-school personnel?

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The mix of your investments should include publicly traded fixed income and equity assets such as investment grade bonds, preferred stock and common stock.

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"CDO" is a common term for collateralized debt obligation, an investment-grade security backed by a pool of bonds, loans and other assets.

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Here, a squat New Zealander named Ed Mumm keeps a fleet of construction-grade excavators and bulldozers and, in defiance of all common sense, allows pretty much anyone (for a fee, naturally) to play with them after only a few minutes of training.

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Yet the results we require are really a matter of common sense: We expect third-graders to read and do math at third grade level and that is not asking too much.

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