For those of you who invest, ya gotta listen to this U-tube by Kramer if you have not already. This guy is an entertainer but he is extremely passionate about what he does and he has lived out of his car (ie he has hit the lowest of lows and is now very rich). This is worth listening to, if just for its entertainment. Be patient he about blows a gasket.

http://www.youtube.com/watch?v=wtjkWJzxdQU