I also believe that at a critical point (more than six people?), that collective wisdom turns into group think.

I've got better things to do than to find my individuality in that particular area. But if it's important to me, I've got to seek my own path.

I believe that only a subset of us is meant to lead. The rest want to follow.

However, I believe that large groups make markets, so serving the needs of large groups is a simple approach to success in business success. But that's no reflection on whether or not they're making wise moves or good calls. It's just about filling the need.

The bottom line: All of your investing decisions should be grounded in your own investment policy statement. By taking a "top-down" look at your finances and writing out a road map, your policy statement will add an important element of discipline to your approach.

The problem is not the sentiment, it's the execution. When a company makes a mistake, the individual benefits because they've learned how NOT to do something while the institution had to pay for the mistake.

Because my college was a local college, it had a historic role in educating minorities and the tuition increase was viewed as an obstacle in creating more opportunity for minorities. I threw myself info the protests with all my heart. Ultimately, a group of us barricaded ourselves in the school for about 3 weeks so we brought the running of the campus to a halt.