Michael Covel returns from a presentation in Bangkok, Thailand and opens up today's podcast with a motivational speech that caught his attention. It all relates back to the individual and personal responsibility. Today, he presents five issues that ultimately revert back to that main headline. First, he talks about Nobel Prizes, Donald Rumsfeld, and one of the “Moneyball” stars (Paul DePodesta). Secondly, he talks about Dave Ramsey on "God" investing. Next, he discusses an article by Howard Gold that says you can't beat the market and then Alan Greenspan having his behavioral economics moment, and lastly listener mail. If the world is uncertain, where does personal responsibility come in? Covel discusses the pursuit of money through religion by way of Dave Ramsey. What does investing "God's way" say about personal responsibility? Covel also talks about the health care rollout, the government role in our lives, and the persistence of the average, and relates it all back to personal responsibility. Receive a free trend following DVD: trendfollowing.com/win.