We are wired to fail. At least most of us, the ones with normal brains. We think too much, analyze too much and adjust too much. Some of us get in to credit card debt and others try to time the stock market. Get a pair of Small Cap Value Index funds - domestic and international - then put your investments on autopilot and forget about them. Pronto! Read on:

http://www.financialpost.com/money/wealthyboomer/story.html?id=f505b387-0cd5-477f-b1a4-14c4f359685b

-Magnus