In the Miami Herald, July 16, 2006, Benjamin Tobias wrote an article titled Investors Must Ride the Roller Coaster Market. Ben compared the year-to-date stock market volatility and investment returns of 2006 to the results of 2004 and 2005. He noted that 2006 had better returns at mid-year even though the stock markets have been more volatile. His recommendation was to remove emotion from decision-making by following your investment policy. Ben urged all investors that do not have a written plan to develop one either through self-education or the use of a qualified professional.