Most of us have, at one time or another, been guilty of over-thinking a decision; painstakingly evaluating every detail and outcome until we were so confused and overwhelmed, we did nothing.

They say a captain is only as good as his team. Yet somehow when things go wrong, it is the captain that is the one that is pilloried for the disaster? What happens to the rest of the team? I'm talking about the recent trading debacle at JP Morgan and the focus it has put on Jamie Dimon.

Watching other people fail and, more important, watching other people succeed and learning from those success and failure is almost always free. But if you dismiss a success as just luck then you are rejecting the free gift that comes with purchase.