Nobody wants to be a scrooge, but at the same time if we are not, we are going to be far worse off.
By now, most stocks have rebounded. It's time to get rid of those shares you lost on -- you think they could rebound, but some things are just not going to bounce back.
Maybe 10 percent of plans are great. The problem is it gets expensive. Every time a plan adds something, the plan has to pay for it.