There are few investment manager, of course, who are very good tough. In the short run, it is difficult to determine whether a great record is due to luck or talent. Most advisors, however, are far better at generating high fees than they are at generating high return. In truth, their core competence is salesmanship. Rather than listen to their Sierra songs, investor large and small should be. Instead, read Check Book, the little book of Common sense investing by loop of it