We all live in this consumption-based society. Buy something to eat, drink, smoke, wear, improve your looks and all will be well. If you really want to feel better, buy yourself an opportunity to be of service. They’re everywhere. Donate your time, money or energy to help someone else and you’ll really feel good. Plus, it will last a lot longer.

In this down economy, forget T-bills. Invest in karma. I can’t promise that it will pay off in future lifetimes. But I personally guarantee that it will yield dividends in this one.