Barry Ritholtz

You, your employer and your plan's investment managers fail to follow even the most basic rules of investing. You overtrade, chase performance, do not think long term. All of you - All Of You - have done a horrible job managing your retirement plans.

Hammer down product fundamentals first. Make sure you've got something that works before doubling down on promotion and marketing. Create a groundswell of organic support, and only then leverage PR and advertising to spread the word.

When we acquired California and New- Mexico this party, scorning all compromises and all concessions, demanded that slavery should be forever excluded from them, and all other acquisitions of the Republic, either by purchase or conquest, forever.