"one word Benjamin, one word...nickels..."

With due apologies to Calder Willingham and Buck Henry the screenwriters of "The Graduate", Mike Nichols, Dustin Hoffman, Paul Simon and Art Garfunkel.

Whenever I see, hear or read about anyone wanting to sell me something that guarantees that I'll make money with it, I ask myself why in the world anyone would sell such a thing and not buy it themselves.