Some investors tend to gravitate towards hiring an advisor/investor because they are scared of making those investment decisions themselves. And if their investments go south, they can shift some of the blame off of themselves and towards their advisor. I've read that by the time you put in all the research required to hire a good advisor, you just about learn enough to do it yourself (Michael Kitces).

The investor has to dedicate lots of time and effort to be competent enough to invest. But the savings is lots of fees and commissions that you would have to pay someone to do it for you.

I'm with you, kvan99! I've been getting some APPL and MSFT on the days when they get hit hard. Just for the short term to ride for the bounce back up. I got some MSFT today, too.

The site was just changed this week. Looks better now. AKA it just sux less now.