“If you pay someone then you should like his answers to questions about this. Keep in mind no one can be correct every time but I think someone willing to make the effort to protect your assets and who can explain it easily to you is probably a keeper.”

I agree with this. You should follow the plan that you can understand.

“but not always” — that’s just saying it’s certain to fail.”

Are you saying that someone or some theory can be correct all of the time where investing is concerned? If it isn’t, chuck it?

Of course, there’s nothing wrong with writing for glory rather than money. I’ve contributed probably a few thousand words to Wikipedia for zero dollars, and my Dad used to do software reviews for an old PC magazine for something like twenty bucks and a copy of the software. If they’d phrased the advert a bit differently, perhaps it wouldn’t look so crass. Then again…I’m guessing they don’t credit contributors, and their aim is to make money. So, yeah, screw ‘em.