I will understand my own circumstances and formulate an investment plan based on my needs, not in anticipation of market trends. • I will remind myself that investing is not a form of entertainment—if I have an urge to gamble, I will go to Las Vegas (where at least the drinks are free!) and leave

Individual investors face a variety of hurdles, but for many, especially those getting started, the greatest challenge is often sorting through the hodgepodge of entities offering investment related services. Even to categorize the various service providers is a daunting task. The choices can be bewildering; brokers, investment advisors, insurance agents, trust departments, financial planners and

“Do not try to beat the markets by speculating on commodities or high-tech stocks…When the siren song starts to waft toward you, lash yourself to the mast of broad-market investing.” —Ben Stein, “Everybody’s Business,” New York Times, Feb. 27, 2005 The message never really changes, does it? Establish a plan. Stick with it. Be a