2. THE PROGRESSIVE INSURANCE COMMERIAL Every year there is some commercial that really gets on my nerves. While I can get enough of the Geico (a Berkshire Hathaway (BRK/A; BRK/B) company) gecko commercials, the Progressive Insurance (PGR) commercials starring its Flo character are just too painful to watch or listen to.Of course, there was no Madden, no NFL and no TV when the English settlers and Wampanoags broke bread back in 1621. They didn't even throw the pigskin around in the backyard. (American football had not been invented yet.) Instead these early revelers did something even more American: They shot guns.

"REITs are inherently more risky than AAA corporate bonds," says Brad Sorensen, director of market and sector analysis for the Schwab Center for Financial Research. REIT funds generally offer an attractive yield, but that yield comes with additional risks. Sorensen also points out that many investors have a large portion of their net worth already inves