any aspect of life, there will always be novices and the experts. What sets them apart, gener- ally, is their experience and knowledge. The nov- ice is considered new to some field, be it a sport, activity, or even a school subject. The expert, on the other hand, has taken a serious look at whatever the subject at hand is, studied it ad nauseam and, many times, has added to the current base of knowledge through his or her findings. In between these two ends of the continuum rest an infinite number of intermediate stages. The novice, when first learning the ropes, is lost and doesn’t know well enough what to do if certain situations rear their head. Is this bad? Not by any means assuming the novice is diligent with their study and willing to learn all they can in order to move away from that status.
The expert, on the other hand, knows what to do in nearly all situations and many times has so much knowl- edge and experience that they can predict what will hap- pen or, at least, can place themselves in a position that will increase their odds of success. Experts know that under certain conditions, and I’m not just talking fishing here, there is a set of tools better suited for a particular job. It is this knowledge, understanding and experience that directs them towards success and it’s quite often called, “Playing the Percentages.” The percentage game exists in all forms of our lives. The savvy person plays with his retirement by investing in low-risk funds in order to guarantee there will be enough money to live on during the sunset years of life. The intel-