Burned-out Hollywood screenwriter Bo Aikens (Jay Mohr) is fed up with life in Los Angeles. He heads out of the hustle and bustle of the big city and arrives in picturesque Black River in Northern California, seeking relaxation and artistic inspiration. In small, idyllic Black River, nearly everyone is happy, contented, and welcoming of strangers. But despite the beautiful setting, Bo begins to feel unsettled after several disturbing incidents. He discovers that all of his money has been transferred to a bank account in Black River, and a house has been purchased for him by someone on "his" instructions.

Frank Allen, a professional speaker who lectures on time management has a perfectly ordered and scheduled life, down to the minute. When his wife sets his clock forward 10 minutes as a joke, his day is thrown off. Deciding that his strictly ordered life has done him little good, he begins to make multiple choice index cards, choosing one at random and doing what is written on the card.