With stocks at 47.9 pct above the five-year average, any upward momentum on futures prices is expected to be modest.

Natural-gas prices have been hovering around $7, which is much closer to their long-term average. More warm weather in the near future will put even more downward pressure on natural-gas prices.

The build recorded for the week compares to a five-year average draw for this time of the year of 90 billion cubic feet and a similar draw of 101 billion cubic feet recorded one year ago.

You cannot win if you're not at the table. You have to be where the action is.

You've got to have between 12 and 15 times of your final year's living expenses saved up. If you're spending $100,000 a year now, you should have at least $1.2 million saved up, preferably $1.5 million. If you're living on $300,000 a year, you should have close to $5 million saved up.

You can do what you think you can do and you cannot do what you think you cannot.