Last week, when the big East Coast storm dumped on us, travel was so difficult that some employees chose to stay home, leaving me to handle a few more phone calls than usual. One was from a reader named Willie, who said he needed some help deciding which of our investment advisory newsletters to subscribe to. He said, “My wife and I are both retired, so I have the time to do it. And the guys who were managing my account before did a horrible job. I just need to know how to get started.” Here’s what I told...