I want to talk about bitcoin one more time. Everybody knows the saying by Wayne Gretzky about skating to where the puck is going. I found another great quote by him when I was thinking about all these people taking risks on bitcoin and initial coin offerings (ICOs) right now.

So here’s my public service announcement for subscribers today: If you are thinking of starting to trade cryptocurrencies, please make sure you know what a crytocurrency is. If you are thinking of getting in that hot ICO, make sure you understand how...