Biggest problem in the world is greed.   That 10% you are so proud of are essentially what is wrong with the world.  Greedy bastards hanging on to their money to make life a litte (or a lot) easier for themselves.  They have no real consideration for those who are simply less fortunate.  Sure, some "donate" to charity (pfff... like 0.00001% of their income), but generally, they hoard their wealth and that's a BIG problem.

If I were in that 10%, I would be giving my money to those who are at the bottom end of the spectrum.  I'd go walking looking for homeless people to just give like $50,000 to... just to give them another shot at having a half decent life.    I would keep doing this until I was no longer in that 10%.

Robin Hood had it right.  He should not have been arrested, he should have bean applauded.

I think the whole financial systems of the world should be periodically reset so that there was no such disparity.  No 10%. 

/rant.

Hmm.  I would disagree.  I think Game explorer is good for the very basics.  If you want to learn how to respond, then you should use it... it will stick eventually.  Or you can compare the moves that you didn't play.  For instance, if one of your moves wasn't at least a candidate move, then you are probrably doing something wrong in the opening... it sucks because the higher you get... it shifts from tactics to opening choice and endgames.  Opening choice can change (and I think should at a certain point), middle games is about learning, but the endings are absolutely essential. 

At one point, I was about 1300 USCF and I am two classes higher now.  I spent an entire year studying wrong.  I felt like endgames were boring and I studied all of these random openings because I got tired of falling for opening traps.  What I should have been studying were tactics and engames and playing less... Even if someone plays an opening I am unfamiliar with, I usually have a decent tactical and positional knowledge to know how to come out without ruining my position totally.

Properties investment is one 

Boy, I wish I were in that 10% too. Oh, and why don't we have to live in that rat race because it seems that most of us are no matter how much we make. I think you would have to come up with something life changing to become one of that 10% group. (cure for the common cold, cure for cancer, in-expensive super-conducter for energy, flying cars LOL, solve world hunger etc.)

ADK

Kelvin, what I do to improve my chess is not to look at Opening Explorer, Game Explorer, or at books. I have a "do it as you go" process where you learn all these skills while playing the game. It's like process of elimination: in the Opening, if you make a wrong move you know not to play it ever again. I learned all of my Openings from looking at my opponent's piece structure and later looking up the statistics. For tactics, I usually look into the "More Puzzles" forum for tactical wins and such. Endgames is something I mess up a lot too, but I don't ever get discouraged. I find it that removing more material makes it easier on your part. Any thoughts?

ADK