BTW.. Good Article "GoArmy" i don't read or listen

BTW.. Good Article "GoArmy" i don't read or listen to any advisors, i don't trust them hehe... i rather do the research myself, makes me laugh tho when my bank tries to convince me to put money in a fund to get like $200-$300 a year ..but my favorite parts are below ;-)

Maybe so, but Harvey's own research shows that individual investors allow their mood swings and fears to cut their investment earnings. Why pay an adviser big bucks to do the same?

-- It's probably not too late. Maybe those advisers tiptoeing into stocks now haven't completely missed the party, because valuations are nowhere near bubble-like levels. Dreman believes there are still bargains to be had in stocks and that we are in for a long bull. "We're closer to 'the world is coming to an end' extreme than the overvalued extreme," he says. "The Standard and Poor's 500 stock index is selling around 13 times earnings right now; that's well below average."

-- Avoid hyperbolic advisers. A real red light is an adviser who tells you that "this time it's different" or "stocks will never be what they were before" or "this one's going through the roof."

-- Avoid advisers who won't challenge you. If you go to an adviser and say you're scared, or excited, or ambitious, and she pulls out a product just for that situation, that's probably not going to be a great fit. A really good adviser takes in all of your concerns and then figures out what's best for you long term, given your financial situation and the economic situation. She doesn't just sell to your moods.

-- Don't try to catch every wave. Contrarian investing is a long-term approach, but not one that you can be on top of every minute. If a stock that you really like falls, and you're on top of the reasons why, you may be able to pick up a bargain. But if the market is experiencing high volatility and seems to be getting whipsawed by rapid automated trading, you can get burned buying or selling. By the time you enter your trade, the price may have moved beyond your target and you'll end up buying too high or selling too low.