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.

The leg system of the beach animals works because of a combination of certain lengths of tubes. Because of the proportion of lengths, the animals walk smoothly. You could say that this range of numbers is their genetic code.

I was raised on John D. MacDonald's Travis McGee series. Something about this genre - hard-boiled-private-eye-with-heart-of-gold - never failed to take me away from whatever difficulties haunted my daily world to a wonderful land where I was no more than an enthralled spectator.