How do you decide which advice to follow? If someone gave you important information that would impact you and your family financially, would you listen? Almost 5 years ago I remember “the rant heard round the world” by Cramer on MSNBC. I credit this rant with pushing me to finally sell all of the marginal real estate that I held at the time and taking a business loan that today would be unattainable. What drives you to action?