Rule Seven of Financial Physics says there is no new news: by the time public information reaches you, the market has already reacted. Don and Tom explain why neither headlines nor illegal insider tips offer ordinary investors a durable edge, why fast trading and miracle systems disappoint, and why accepting market returns is the saner path. Then they compare JAAA with BND, help a student balance FAFSA concerns with emergency savings and a Roth IRA, warn against reaching for yield, and unta...