When It Comes to Investing in the Stock Market, Timing Is EverythingA record-high stock market exposes the suckers. Don't be one of them.

The stock market is at an all-time high! Must be a great time to invest, right?

Uh, no. You should've been throwing all your money into the stock market in the summer of 2009, just after it bottomed out, back when the first part of the investing cliché "buy low, sell high" was in play.

Not surprisingly, I'm seeing and hearing reports of supposedly smart people (doctors and lawyers, ferchrissake) doing the opposite. They sat on the sidelines for the last four years and only now are jumping back into the market. Wall Street has a word for these people: suckers.