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The first point to mastering money management is that you have to understand when you’re trading on the stock market is that you are playing the odds – but unlike many forms of gambling, you can make money. The key to making this money is to respect the risk that is part of the market, and manage it. Money management is a set of rules and guidelines that enables you to turn a profit. By being triumphant with your money management skills, you can keep your risk at a level at which you’re comfortable with, keep from making poor trading decisions, and ensure you don’t loose your trading capital. This is why it is so important to follow money management rules.

Why do these money management rules work? You know, it’s funny. I once thought I had a fool-proof way of making money on roulette. You see, I’d bet on red and black. I’d sit at the table. After the ball had landed on black or red five times in a row, I would start betting on the opposite color.

Let’s say I had five reds in a row. I would then start to bet on black. If I was wrong, I would go ahead and double down, so that if I started my bet at one dollar, the next time I would be able to bet two dollars, then four dollars, then eight, then 16. With this system, eventually I’d win and I’d come out one dollar ahead.

So, here I am at 23 and I’ve set up my computer program to test my theory. I made a ridiculous amount of money in the program. I really thought I had the Holy Grail here. But, if it’s so easy for an 23 year old to figure it out, why aren’t all the casinos out of business and why aren’t we’re all millionaires? Unfortunately, roulette doesn’t work this way.

You see, if we’re flipping a coin, heads has a 50 percent chance of turning up on each flip of the coin and so does tails. But, each flip is independent of the last. The last coin toss has nothing to do with the one before it, each flip is a random event. This means it’s possible to get a hundred heads in a row if you do it long enough, and believe it or not, that’s what happened to me. When I first played roulette in a casino, I saw a string of 23 blacks in a row. I went home defeated.

Trading is the same. A percentage of your trades will not work out. A certain percentage will not go in your favoured direction, and the next trade has nothing to do with the last one. Even if you have the world’s most accurate method, over time you will go broke if you don’t practice good money management. Money management rules include defining your trading float, setting your maximum loss, calculating your stop loss, and most importantly learning how to choose your position size. Once these rules are in place, it’s important to stay with them. They will keep you from making snap decisions, and playing the odds longer than you should. This is why money management rules are a critical part of any effective trading system.

About the author: Discover BIG profits from the market by downloading your FREE copy of David’s new Ultimate Stock Trading Systems course. http:// www.ultimate-trading-systems.com/stocks.htm

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AutoTradeLeaders’s main Idea : Members of AutoTradeLeaders can see each other’s actual trades in real-time . We have some auto trade plans that we call ATL Forex Signal Master programs.The ATL Forex Signal Master program is the trade automation service that lets you follow and automatically execute the trades of the most successful traders from the AutoTradeLeaders Team.

ATL Forex Signal Masters is a real time provider of professional Auto Trade Forex that are delivered directly to your Metatrader trading platform 24 hours a day, 5 days a week. There is no need for you to spend time waiting for a signal to arrive, manually enter any trades or worry about duplicating our performance. With our signal receiver software installed on your Metatrader platform, when we enter a position, so will you….Instantly and with Ease!

If you don’t knnow how to start please view here : How to Sart . We will show you step by Step working with our system .

OR For more information click FAQS section

The slippery slope of the Bear market just hit a 90-degree angle. After coasting at a 45-degree angle, that at times looked like it would plateau, stocks are now moving decidedly down hill and picking up speed. Each bump in the road this year has shaken out passengers, but now those thrown from the market will face even greater fiscal injury (not to mention mental, as they will be taking lumps that at times will amount to 90% losses). Yet, it will be difficult to hang on. That said, it might be impossible to jump on. The real scary part is that we don’t have a road map for this kind of ride. The last time there was a two-year bear market was from January 1973 to December 1974. The last time there was a three-year bear market was from September 1939 to April 1942. It is fair to say that 95% of us know nothing of the two-year bear market, so this is un-chartered territory. Adventure is fun when we get it via books and movies, but stock market investors don’t have the fortitude and luck of an Indiana Jones, they close their eyes when the danger comes too close. However, now is the most important time ever to keep one’s eyes open. It is also time to start looking deep in the history books for answers. This isn’t the first time the stock market has plunged, and it isn’t the first bubble that has had to totally deflate.

According to published reports from Ned Davis research, the average bear market lasts 418-days, and lops off 31% in stock market value. This data is focused exclusively on the Dow Jones industrial average. (I’m not sure how the NASDAQ figures into historical data. One thing is for sure, that index which worked so hard to shed its moniker as the “over the counter” market, has been so fractured that it may never recapture former glory. In fact, it seems like each session sees a former NASDAQ-listed company ringing the bell at the NYSE. It will be very tough to not only rebound, but to be the hottest index with many of their brightest stars no longer listed.) Officially, the Dow’s bear market began in January of 2000; so it is a long way passed the typical time frame. That said, the index has been resilient, and at times was only a bear market in name. Despite the length of the current bear market, it hasn’t satisfied the historic norm in terms of value yielded. As it stands now, the Dow is off 22% from the all-time high. In many ways, the index has been a victim of its own success. It is hard to sell off when there is a migration from tech stocks into comfort stocks. As an avid tape watcher, I could see over and over again that the index wanted to pull back and investors wanted to take some profits off the table. PG, MMM and JNJ were – and are – trading at the high-end of their respective valuation ranges. Yet, before the re-rotation could build a head of steam, there would be another bomb dropped in tech/biotech land.

Now, it doesn’t seem to matter for those that have successfully dodged the massacre by focusing on company’s they know and understand. They are cashing in and putting the money on the sidelines. Save for the residue from the Great Crash in 1929, that saw the DJIA take 20-years to recover, the longest bear market has lasted 2.5 years. That is good news, (I guess). The stock market reclaimed 73% of its value within 9 months of the Great Crash (okay, it wasn’t so great, but this is the “me” generation and it thinks we do everything better than those that came before us) of 1987. With this in mind, maybe the market will move to a 180-degree angle and satisfy two elements of history. Matching the timeframe of the longest bear market, and at the same time yielding the average amount of ground that has been typical. Maybe a quickening climax to what has been cruel treatment could be the answer. But, hold on to your hat, it means the Dow has to fall to 8177 before a floor can be put in. The last three trading sessions of the week saw the Dow off an average of 150-points, on Wednesday, Thursday and Friday. At that rate, we could see the index bottom in 7-trading days. That would mean the world’s largest equity market, and the pride (we still love it deep down inside) of the nation could be ready to rebound after the fourth of July.

About the author: Since 1991, Charles Paynes’ Wall Street Strategies has successfully provided timely and effective equity advice to institutional money managers, retail brokers and individual investors of all types, and has thousands of subscribers from hundreds of brokerage firms. http://www.wstreet.com Wall Street Strategies provides research online, including enhanced services and communication tailored to today’s fast-moving markets.

Do you own shares? Have you ever purchased, or been tempted to create a share portfolio because you know there are people out there who make money with shares? Are you slightly afraid of the risks of investing in stocks? Or do you want to play the market, but are afraid because you have lost money in the past?

If you have answered yes to any of these questions, or if you just want to improve the performance of your portfolio, or if you just want to make some more money, then I have found the perfect solution for you.

Portfolio Crafter, which you can find at http://www.portfoliocrafter.com/?oceanfeather has a portfolio management system which will guarantee you 8% returns on you investments every month. When compounded, that works out to over 150% returns on your investment every year. This type of return will quickly take you to retirement.

This system is easy to follow to. The Portfolio Crafters do all the analysis, create the portfolio and immediately contact you to explain which trades you need to make. So you will not spend the rest of your life studying the stock market. Have a look how they do it.

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These guys are so confident that they will return you your 8% every month, that they will even let you try them for the first month for free. This means you can try them out, and if you are not happy with what they offer you, you can switch them off before you pay a cent. As I said, you don’t see many deals better or fairer than this. They are practically taking the risk out of share trading.

The only downside I can see with this service, is that to maintain the integrity of what they offer, they have limited their subscriber base to just 2000 people. If they have 2000 people already, you may have to go onto a waiting list before you are admitted into their ranks. So if you are interested in this one, its probably best to get moving as soon as you can. Here is the link again.

http://www.portfoliocrafter.com/?oceanfeather

One final word about cost, I have had a look at what they charge and have done my calculations.. Keeping in mind that if you make less than 8% in any month, your payment for that month is refunded, I did some quick sums to work out what you need to invest to make this service worthwhile. If you invest just $1,250 using this service, you will break even when you earn 8% per month, after you pay for the service. Once you account for brokerage you are probably looking at a $1,300 break even entry point. I suggest you only use this service if you have a minimum investment of $2,000

Good luck with it, and happy trading.

__________________________________________________ Finally, a dedicated and systematic approach to ensuring you’re earning an income forever. Find out how, in four logical steps, you will never have money problems again. http://www.EmployedForever.com Free newsletter subscription at mailto:employedforever@pushbuttonresponder.com

About the author: B.Ec. A.S.I.A 10 Years Senior Management In Various Fortune 500 Companies. Not completely satisfied with Corporate Life, so always on the hunt to find other income streams

You have permission to publish this article either electronically or in print, free of charge, as long as the author bylines are included. A courtesy copy of your publication would be appreciated. Please email to mailto:charles@thestockopolyplan.com (Word Count 455)

A Stock Market Investment Strategy

I feel that an investment strategy in the stock market can instill in the individual investor not only an assured confidence in all future stock market investments, but also an almost Zen-like sense of peace and well being. A stock market investment strategy spelled out, proven, and instilling within the investor the power to succeed in the stock market with an assured confidence.

The investment strategy I’m talking about would take away the anxiety of indecision, since you would have for yourself ‘ spelled out in advance ‘ knowledge of when and where to take advantage of each stock market investment opportunity.

Since there is no room in a stock market investment strategy for indecision the investment strategy would spell out exactly what you’re after, in advance. Would tell you how and when and where to take advantage of each stock market investment opportunity, in advance. Would instill in the investor the self-confidence and purpose of mind to succeed, in advance. An investment strategy that knows you seldom get what you’re after unless you know in advance what you want.

One aspect of the investment strategy would set clear and specific long-term goals. For without clear and specific goals a powerful force essential for success in the stock market would be missing. An investment goal, for example, that is predetermined to increase cash income from each and every stock market investment for the rest of your life would instill within you the power to fulfill the goal.

A second aspect of the investment strategy would be that it would only benefit the investor (no broker commission fees, management fees, advertising fees, operational fees), and no one else! It is for that reason this investment strategy has had very little promotion. No one has a vested interest in promoting it. It would benefit the investor and the investor alone. An investment strategy offering an enviable opportunity to learn how and when and why and where to invest in the stock market commission-free. An investment strategy used to invest regularly to increase income continuously, for the rest of your life.

The full potential of this stock market investment strategy can be recognized in the book The Stockopoly Plan ‘ Investing for Retirement. Website: http://www.thestockopolyplan.com

About the author: Charles M. O’Melia is an individual investor with almost 40 years of experience and passion for the stock market. The author of the book The Stockopoly Plan ‘ Investing for Retirement; published by American-Book Publishing. You can invest in the book at: http://www.pdbookstore.com/comfiles/pages/CharlesMOMelia.shtml

When you decide which AutoTradeLeaders Forex Signal Package you want to follow, the AutoTradeLeaders puts you , in control of your personal automated trading portfolio. You can enjoy the auto forex trading even if you don’t have the time to trade or you’re a newbie, by using our advanced trade mirroring technology to automatically copy all trades. Total Auto Forex Trading,Total Free System.

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Get Forex Cash Back when you trade at industry leading brokers. A Win-Win strategy, which is designed to benefit all participants. If you want to go far, Go with us- AutoTradeLeaders.com ! With “AutoTradeLeaders Cash Back Programs”.Your spreads and trading conditions DO NOT change, they remain the same as if you had opened an account directly with the broker. The only difference is that a client that opens their account through us gets extra cash for each trade ! You will receive Forex Cash Back when you are using our services Or you trade yourself . You lost nothing !

100% Guaranteed Friendly Affiliate Programs .

When you join the AutoTradeLeaders Affliate Programs, you have the opportunity to make money based on the AutoTradeLeaders Affliate Programs. You will receive commission When you refer members to AutoTradeLeaders.com. AutoTradeLeaders.com pay commissions to you, the money you will receive = 50% (forex cash back) of members that you refer to us .

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We know that the most important part of any Forex tool or service is customer support.That’s why we’re fanatical about delivering 5-Star support with anything I offer.

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There are No Tricks and No Games. AutoTradeLeaders – Auto Trade Forex For You.

You do : Sign up free demo account,Run our system, System trade for you when you Sleeping!

We are trading manual,not a robot. Our Strangies: Technical analysis Market timing

AutoTradeLeaders’s main Idea : Members of AutoTradeLeaders can see each other’s actual trades in real-time . We have some auto trade plans that we call AutoTrade Guru programs.The AutoTrade Guru program is the trade automation service that lets you follow and automatically execute the trades of the most successful traders from the AutoTrade Guru Team.

AutoTrade Guru is a real time provider of professional Auto Trade Forex that are delivered directly to your Metatrader trading platform 24 hours a day, 5 days a week. There is no need for you to spend time waiting for a signal to arrive, manually enter any trades or worry about duplicating our performance. With our signal receiver software installed on your Metatrader platform, when we enter a position, so will you….Instantly and with Ease!

Profitable day traders recognize that momentum trading is among the fastest & most effective ways to harvest BIG piles of cash in the stock market.

The problem is that if you don’t know what stocks to look for and how to approach them while limiting your risk, you won’t even get close to making some profits.

You don’t necessarily have to trade momentum hot stocks all the time. But you can learn how to take advantage of them when you encounter the best opportunities while at the same time limiting your risk.

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Do you own shares? Have you ever purchased, or been tempted to create a share portfolio because you know there are people out there who make money with shares? Are you slightly afraid of the risks of investing in stocks? Or do you want to play the market, but are afraid because you have lost money in the past?

If you have answered yes to any of these questions, or if you just want to improve the performance of your portfolio, or if you just want to make some more money, then I have found the perfect solution for you.

Portfolio Crafter, which you can find at http://www.portfoliocrafter.com/?oceanfeather has a portfolio management system which will guarantee you 8% returns on you investments every month. When compounded, that works out to over 150% returns on your investment every year. This type of return will quickly take you to retirement.

This system is easy to follow to. The Portfolio Crafters do all the analysis, create the portfolio and immediately contact you to explain which trades you need to make. So you will not spend the rest of your life studying the stock market. Have a look how they do it.

http://www.portfoliocrafter.com/?oceanfeather

These guys are so confident that they will return you your 8% every month, that they will even let you try them for the first month for free. This means you can try them out, and if you are not happy with what they offer you, you can switch them off before you pay a cent. As I said, you don’t see many deals better or fairer than this. They are practically taking the risk out of share trading.

The only downside I can see with this service, is that to maintain the integrity of what they offer, they have limited their subscriber base to just 2000 people. If they have 2000 people already, you may have to go onto a waiting list before you are admitted into their ranks. So if you are interested in this one, its probably best to get moving as soon as you can. Here is the link again.

http://www.portfoliocrafter.com/?oceanfeather

One final word about cost, I have had a look at what they charge and have done my calculations.. Keeping in mind that if you make less than 8% in any month, your payment for that month is refunded, I did some quick sums to work out what you need to invest to make this service worthwhile. If you invest just $1,250 using this service, you will break even when you earn 8% per month, after you pay for the service. Once you account for brokerage you are probably looking at a $1,300 break even entry point. I suggest you only use this service if you have a minimum investment of $2,000

Good luck with it, and happy trading.

The emphasis of Hotel management companies remain on providing management services to the hotels, bars, resorts, restaurants etc… the places of resting and recreational entertainment, in a wide spectrum. These companies manage the sites contracted to be managed by providing a general manager to the establishment who not only effectively manages the services but also the management of property.
The general manager appointed by the company is responsible to take care of all the departments in the establishment under his charge. Though the accounts department of the hotel takes care of the payable bills, payrolls and other financial matters but all the transactions are done with the consent of the general manager. The general manager manages all the departments as well as the services to international and domestic guests with the help of the trained professional staff of the hotel.
The hotel management companies like Hotel Managers Group, USA which is providing the third party service to the Hotel, Resort and Motel Management since long. They take over the charge of any hotel establishment with the consent of its owners and stress on serving for the contentment of their clients as well as the guests of the hotel concerned for the sake of betterment in Hospitality Industry.
These companies take care of managing holiday packages for the tourists and vacationers to provide them a comfortable and reasonably costed stay at their hotels. The peace of mind of the guests and safety are main points to be particular while managing a hotel by the companies. The general managers provided by the management companies watches out the marketing operations, accounts and development plans of the hotel alongwith caring the services to the guests. In this way, the main aim of the companies providing management to other hotels is to satisfy the owner of the hotel.
These management companies also ensure the profitability of the owners of the hotel by managing all the operations of the hotel strategically. The general mangers provided by them watch out maintenance plans of the property and the plans to maintain the risk management which ultimately ensures the control over losses and costs and improve profits. They act strategically on the plans of advertisement, programs to enhance revenues, sales and services etc. to improve the financial output of the establishment.
Thus, hotel management companies not only stress upon the satisfaction of the guests of the hotel under contract but also the contentment of the owner of the hotel.

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Your uggs lamb pores and skin boot, in case properly maintained, will last for many years, which makes it a great investment. The smooth skin is actually leather-based and thus, your trunk isn’t water-resistant. Any water-repellant merchandise does apply towards the shoe, but actually this can not result in the trunk waterproof. The actual shoe might be washed but not simply by placing it directly into drinking water. These boots should be cleansed manually, utilizing a cleanup creation that is ideal for use on lambs pores and skin along with dried out effortlessly.

An item in the ugg lamb skin color boot that means it is this type of well-known selection throughout shoes or boots also can result in the trunk being broken. That come with will be their delicate lamb epidermis. These kinds of delicate-skinned shoes or boots should never be put on everywhere you’re planning to encounter items that may damage or even pierce the actual boot’s soft epidermis, just like on a hiking trip. To make sure the boots live an extended existence, be sure you correctly take care of as well as care for them.

The ugg sheepskin boots lambs skin shoe is available in numerous designs and sizes creating this trunk an ideal selection for all style. For the reason that can be found in styles for the entire family, such as infants, kids, men and women. A few ugg boot lambs skin color footwear include high shoes or boots, as well as short boot styles, slipper-style, as well as boot styles with extra reinforcements, and far, considerably more. There are also the shades ‘C black, bronze, red, glowing blue, purple, reddish, mud plus much more coming to get each day. The very best quality boots are produced from genuine sheep pores and skin yet replica footwear abound.

Just remember, better the product quality, the higher the price. However, if looking at the particular Ugg boot lambs pores and skin trunk , understand that you’re obtaining a great deal more than just visual appearance; you’re setting up a seem expense.

Anybody that has a requirement for finance will realise that there are numerous possibilities available to them once they begin to search for a loan. They will not necessarily however, all be suited to your requirements. If you have ever applied for a loan before and found that you had to endure a laborious operation before the finance was approved, you will be delighted with payday advances. This kind of pay day loan is quick and easy to set up and can give you the means to access your money very quickly.

This sort of finance was created with the sole aim of being in a position to pay them out almost immediately. There are generally a number of issues related to more long term loans. Primarily because of the simple fact that there’s quite a bit of documentation involved and they can take so much time to pay out. All your paperwork will then have to be substantiated which can be quite a prolonged procedure. Prior to making a decision on your application the loan company will probably look very meticulously at every aspect of the application. This tends to go on for quite some time, which in turn stops them from being practical when money is necessary very quickly. All the time this is happening the debts are usually still mounting up and the amount you’ll need to pay them is growing.

The merits of online cash advance payday loans

You do not need to wait so long to get your decision once you apply for your loan on-line, this really is particularly true if you submit an application for cash advances. Your judgement is offered to you in no time while you are still sat at your computer with this kind of loan. Yet another advantage of this type of loan as opposed to standard long term loans is the fact that the need for the ridiculous amount of paperwork is usually eradicated. This means that you can receive your cash more or less immediately enabling you to repay what you owe or whatsoever it is you require the money for. In the event you don’t fully understand payday cash loans you should:

Browse the comparison websites so you can get a much better feel for how they work and what previous applicants have to say about them. Residents of the United states of america should be mindful that wage day lending isn’t available in all of the states, therefore it is sensible to check out whether your state will allow them before you make an application for one.

Once you have determined who you want to fill out an application with you should submit their online application form (for your safety make sure the internet site holds a current SSL certificate before you do). The details that the payday lenders demand is not too onerous and the first thing they will want to know will be the sum of money that you desire to receive. You will also be required to supply your name and address, your home telephone and mobile or portable number and possibly your employers number (although the lenders will not contact your employer). You’ll also need to offer your occupation details and also the amount you make, and lastly your banking particulars together with your cash card number.

Providing in depth and truthful info on your application form is of the greatest importance. If you provide fake or inaccurate details of any kind you’ll be making it impossible for the lenders to lend to you not just on this application but also any future loan application that you submit. They were actually developed to supply you fast and easy access to funds when you need it, and assuming that you meet their criteria there may be no other loan that might pay out as rapidly.

You have permission to this article either electronically or in print as long as the author bylines are included, with a live link, and the article is not changed in any way. Please provide a courtesy e-mail to: charles@thestockopolyplan.com telling where the article was published. Thanks!

When to invest in the Stock Market!

Is really not as important as to how you invest in the stock market. And how you invest in the stock market should take into consideration what goals you are setting for that stock market investment. For example, are you investing for capital appreciation or for income through dividend paying stocks? Or is the investment in the stock market for the combination of both capital appreciation and dividend income? Are you investing through a Mutual fund(s) or selecting your own individual stocks? Do you invest with a lump-sum dollar amount or dollar-cost average into your stock or Mutual fund positions (buying the same stock or Mutual fund at different prices over the years)? Is your investment dollar spread too thin and are all of those dollars working for your ROI (return on investment)? Do you pay commission fees to purchase a stock? Do you pay load fees in your Mutual fund(s)? How much does your Mutual fund(s) charge you for management, operating and marketing fees (they are called ‘hidden fees’)? (One Mutual fund, just recently, was fined 450 million for ‘hidden fees’ practices.) ‘How’ you invest in the stock market is more important than ‘when’ you invest in the stock market and ‘how’ you invest will determine your ROI.

When you invest in the stock market is after you devise a how-to plan that takes into consideration all of the factors above. Quite frankly, every cent of your investor dollar should benefit you and your family and no one else.

There is an enormous amount of investor dollars supporting some whopper salaries on Wall Street. Just recently (the summer of 2003), Richard Grasso, the once former head (CEO) of the New York stock exchange was forced to resign, after his salary for the past 2 years were made public. His salary – 12 million a year for the past 2 years, a check for 48 million, which his advisor suggested he return (which he did) and a pay-package of 139.5 million dollars (which he hasn’t returned, as of this writing-mid-2004). Now, that is just one man’s salary on Wall Street and it is certainly good work if you can get it! Where did all this money for his salary come from? If the money didn’t come from investor’s dollars, why were Pension fund managers so outraged by Grasso’s salary that they threatened to pull billions of Pension fund dollars from the New York stock exchange? I really don’t know where the money came from to pay his salary. What I do know is the one place where the money for his salary didn’t come from and that is from the Stockopoly investor. Not one cent!

It is my opinion that all stock purchases should be made without commission charges (which is possible). The investment in all stocks should be a long-term investment, and that every stock purchased should have a history of raising their dividend every year. And all dividends should be reinvested back into the company’s shares (also commission free), until retirement. Every cent you invest should work for your ROI. By purchasing those companies that have a long-term history of raising their dividend each year (for example, Comerica ‘ 34 years, Proctor and Gamble ‘ 47 years, BB&T ‘ 31 years, GE ‘ 28 years, Atmos Energy – 16 years (they also provide a 3% discount on all shares purchased through dividend reinvestments), the ‘HOW’ you invest becomes automatic- you dollar-cost average into your holdings through the dividends provided by the companies every quarter.

The dividend is the one factor a company cannot ‘fudge’. The money has to be there to pay the shareholder. If a company can raise their dividend every year, the company MUST be doing something right! When a company has a long history of raising their dividend every year you in a sense eliminate risk, since a lower stock price for that company just means a higher dividend yield. If, for example, a stock purchased at $50.00 a share drops to $36.00 a share, the income provided by the dividend income accelerates, and your dividend reinvestment provides you a better dividend ‘bang for your buck’. There have been many up and downs in the stock market these past 47 years (I know, I’ve been in almost 40 of them) ‘ yet Proctor and Gamble has never failed to raise their dividend during those past 47 years. Below is an example of two types of investors that have $10,000 to invest in the stock market. One is a lump-sum investor, the other a dollar-cost averaging investor. One investor doesn’t care about dividends, the dollar-cost averaging investor does. Each investor took a different ‘HOW’ to invest and both investors had the same ‘WHEN’ when they invested. Let’s say they invested at the same time, each stock purchased at $50 dollars a share and every quarter the stock dropped $2.00 a share, till the stocks hit a bottom of $36.00, and then recovers back to $50.00. The lump-sum investor bought the fictitious company ABC, which does not pay a dividend, and the dollar-cost averaging investor purchased the fictitious company XYZ, which pays a quarterly dividend of 50 cents a share (a 4.0% yearly dividend yield), and the company had a history of raising their dividend every March for the past 41 consecutive years. Both purchases were made in January.

The lump sum investor bought 200 shares of ABC at $50.00 a share, watched the stock drop to $36.00, then recover back to $50.00 and when all was said and done ended up right where he started with 200 shares of ABC worth $10,000.

The dollar-cost averaging investor purchased 100 shares of XYZ in January for $5,000.00, (the stock paying a quarterly 50 cent a share dividend for a 4.0 percent yearly dividend yield), and purchased $1,000.00 worth of more shares every quarter for the next 5 quarters. Each quarter the dividend from the company was also reinvested into more shares of stock. Each March the company raised its dividend 2 cents a share, marking 45 consecutive years of rising dividends. All purchases were commission free. January, 100 shares of XYZ @ 50.00 a share = $5,000 $1,000.00 Stock price Div.Pur. Share Purchases March $48.00 .52/sh.=1.083 20.83 shares June $46.00 .52/sh.=1.378 21.74 shares Sept. $44.00 .52/sh.=1.714 22.72 shares Dec. $42.00 .52/sh.=2.098 23.81 shares March $40.00 .54/sh. 2.637 25.00 shs. June $38.00 .54/sh. 3.169 – 0 – Sept. $36.00 .54/sh. 3.393 – 0 – Dec. $38.00 .54/sh. 3.262 – 0 – March $40.00 .56/sh. 3.260 – 0 – June $42.00 .56/sh. 3.149 – 0 – Sept. $44.00 .56/sh. 3.045 – 0 – Dec. $48.00 .56/sh. 2.827 – 0 – March $50.00 .58/sh. 2.843 – 0 ‘

The dollar-cost averaging investor now owns 247.953 shares of XYZ. The value at $50.00 a share = $12,397.65. So, the lump-sum investor ends up right where he started, 200 shares of ABC worth $10,000, and the dollar-cost averaging invested ends up owning 247.953 shares of XYZ worth $12,397.65, along with the dividend income generated from owning those shares. Both had the same ‘when’ when they invested. The dividend yield at 58 cents a quarter (.58 divided by $50.00 x 4 x 100 =), a 4.64% yearly dividend yield. Every quarter every dividend received from the company was higher than the previous dividend, no matter what the stock price was at the end of the quarter. The dollar-cost averaging investor is receiving a dividend for the next quarter from XYZ (no matter what the stock price happens to be) of .58 X 247.953 shares = $143.81, and the next quarter (and every quarter thereafter) the dividend would be even higher if the company, at least, maintained their dividend. If XYZ repeated the same performance history ($50.00 down to $36.00, back up to $50.00) for the next 3 years, and ABC did the same- the HOW you invest in the stock market makes all the difference in the world. In the Stockopoly plan there are no commission charges, all stocks are purchased commission free. There is no need for a stockbroker (the tools needed for doing your own research are easily available and the where and how-to’s are included in the book); there are no hidden fees, load fees, operating, and management or advertising fees. There are no illegal trading practices, costing investors tens of million of dollars. (And the Wall Street Christmas bonuses will not be coming out of your pocket.) Every cent works for you in the form of increasing cash dividends every week, month and year. You’ll never pay too much for a stock, even if that stock is at a 52 week high. The WHEN you invest in the stock market is of little importance compared to knowing HOW to invest in the stock market, simply because the how over rules the when. In the Stockopoly plan you will discover HOW to use all the tools necessary to develop a concrete, definite plan of investing that will profit you and your family for the rest of your lives.

For more information and excerpts from The Stockopoly Plan, please visit www.thestockopolyplan.com

About the author: Charles M. O’Melia is an individual investor with almost 40 years of experience and passion for the stock market. Author of the book ‘The Stockopoly Plan’, soon to be released by American Book Publishing.

Robert Rodriguez likes to buy stocks at their lows. When there are not enough stocks hitting new lows, he closes his fund and piles up cash. This is what he has been doing lately. His moves deserve attention for good reasons, his $1.7 billion FPA Capital Fund has averaged an annual total return of more than 17% over the last 20 years, net of sales charge, handily beating all the benchmarks by wide margins.

As Robert Rodriguez finds slim pickings in the stock market, his goal has changed to capital preservation. The cash position in his fund has been in steady increase. On March 31, 2005 , it is at 34%. As a reference, between 1984 and 1997, his cash level was rarely above 5% and most of the time it was less than 2%. Now he is sitting on this big trunk of cash, awaiting opportunities. “You never know the value of liquidity until you need it and don’t have it.” He said, ‘This is one of those times when it takes a great deal of patience, discipline, and conviction to maintain such a contrarian position, because of the potential business and investment risk that it entails.’

Robert Rodriguez’ contrarian position in investment goes beyond adjusting the level of cash. He also reduces his fund’s weighting in the sectors or industries that he thinks are overpriced. He has done this before. The years of 1979 ’1981 was the time of the second oil crisis, oil and gas prices were soaring. Many “experts” were forecasting oil prices of $100 per barrel within ten years. Energy stocks were being valued as growth stocks and represented nearly 31% of the S&P 500′s market capitalization. Robert Rodriguez went to the contrary; he liquidated all his energy stocks and bought bonds. The oil mania resulted in large-scale capital destruction with virtually every bank in the state of Texas going bankrupt by 1987.

Robert Rodriguez’s contrarian investment style was tested again during the peak of the tech bubble. In March 2000, he analyzed the operating and stock market performances of Microsoft and Cisco Systems, made growth assumptions for them and the U.S. economy. He biased down the expected growth and valuation assumptions for each of these companies. The result was that Microsoft’s market valuation would increase to 36% of nominal GDP. Cisco’s expected market valuation would rise to 48% of nominal GDP. The combination of these two estimates would equal 84% of GDP by 2010. Apparently (now) the odds of this happening were not great. In light of these trends, he reduced his Fund’s exposure to technology stocks. We all know how that bubble ended.

So what sectors does he like or dislike right now? He has energy stocks at 19.3% of the Fund, it is between three and four times the weighting of the various indexes. This is the highest energy allocation that he has had since 1979, when he began selling this sector. Financial service stocks total 2.1%; the lowest allocation he has had in 35 years. His reason: financial sector is at or near-record representation in all the major indexes. Financial service companies represent nearly 21% of the S&P 500′s market capitalization — a 33-year high. They are among the largest components in other stock indexes as well. In terms of operating profits, they comprise almost 28% of the S&P 500.

In summarizing his contrarian investment style, Robert Rodriguez listed these key attributes:

Focus on market leadership or niche companies that are in industries that are perceived to be out of favor and unloved ‘ a bottom-up strategy. Select companies that have strong balance sheets ‘ typically with total debt to total capital of less than 40%. They must be at a significant valuation discount to the market and its historical valuation parameters. Acquire them at modest premiums to book value and at less than 1x revenues. They should be on or close to being on the new low list. Have a long-term investment time frame ‘ typically three to five years.

About the author: Dr. Charlie Tian, Director of Research of http://gurufocus.com, the website that tracks the stock picks of Warren Buffett, George Soros and other guru investors like Bill Nygren, Mason Hawkins, Ken Fisher, David Dreman, Martin Whitman, James Gipson, Robert Rodriguez, Ronald Muhlenkamp, Wallace Weitz, William, Ruane, Edward Lampert, Edward Owens, Richard Aster, Jr, Robert Olstein, John Keeley, Brian Rogers and Tweedy, Browne.

THE ALCHEMIST by AL THOMAS THE GREAT STOCK MARKET SECRET When the stock market is going up and all your stocks and mutual funds are making money you feel like a genius. It is too bad that some folks don’t remember what happened in 2000. Of course, right now we are in one of those genius phases. Your broker and financial planner are encouraging you to buy, buy, buy. And I can’t fault that at this time. You remember back in 2000 how many times they told you to buy, buy, buy while the market was going down, down, down. Are we in another of those periods now that are leading up to a humongous crash? Hey, I don’t predict, but I do listen to the voice of the market. The great Wall Street mantra is ‘buy a good stock and put it away’. Did you keep WorldCom and Global Crossing? Even if these were exceptions because of fraud a smart investor would not have lost any money. In fact he could have made a nice profit.But Al, they went under! Yes, I know, but the smart money still made out because they sold near the top. As a former exchange member and floor trader I was not right every time I bought something and I especially did not like giving back nice profits that had accumulated. You don’t have to be psychic to know when to sell and don’t think you are going to be able to pick the top. A really smart trader waits for a stock or fund to start up and then jumps on it with both feet. When it starts down he jumps off looking for another equity that is going up. The wise trader knows he can’t buy the bottom and sell the top. What he wants is a big bite out of the middle. When you make a sandwich most of the meat is in the center and a professional trader does the same with his trading. He wants to take a bite out of the middle of the move. You can do this too by looking for stocks, mutual funds or Exchange Traded Funds that have a nice upward pattern. As I said before buying is not the secret. Then what is? You must learn to sell – for two reasons.First to protect your equity after your initial purchase and second to keep from giving back profits you have made as the equity advances. The great Wall Street secret is an exit strategy: knowing when to sell. Unless you learn to sell will not be successful in the market. Brokerage companies do not want you to sell and rarely issue sell signals. You must decide how much you are willing to risk before you buy. The simplest way is with a percentage stop loss order of 5%, 7%, 10%, 12%, whatever you can live with. Instruct your broker to place a trialing stop or you can change it yourself every week. Do not lower a stop. Selling is the great secret you will never hear from your broker.

About the author: F*R*E*E investment letter www.mutualfundmagic.com Author of best seller “IF IT DOESN’T GO UP,DON’T BUY IT!” Never lose money in the market.Copyright 2004 Albert W. Thomas All rights reserved.Former 17-year exchange member,floor trader and brokerage company owner.

There are several factors an investor in the stock market should consider: 1. All stock purchases should be commission-free. 2. All stocks purchased should be from a company that has a history of raising their dividends every year. 3. The company should not only have a history of raising their dividends every year, but should also show price appreciation in the market place. 4. All dividends from these companies should be rolled-over into more shares of their company, until you retire. This should all be done by the companies, automatically, for the stockholder, commission-free. 5. The companies purchased should have staggered pay-out dividend dates, so dividend income by 12 companies will provide the shareholder a cash dividend income every week of the year. 6. A systematic approach of dollar-cost averageing into each stock (your dividends from each company will be doing this automatically)should be done on a quarterly basis. A savings plan should be adopted to add to your holdings every quarter, along with the the dividend reinvestment. 7. Stocks purchased should pay a dividend yield of at least 2.0% or better. A low 2.0% dividend yield isn’t necessarily bad because it means the company in question is using most of their profits to expand. In other words,it’s a growth stock with business, profits and earnings growing. A growth stock makes up for the lower dividend yield because their stock prices will more than likely rise faster. 8. The company should have been in business at least eight years, showing dividend increases each year. This will eliminate the risk involved in putting money into a risky new start up company (the type of company that is going to change the world- they are just too hard to find). 9. The company must have a stock dividend reinvestment plan (DRIP). If the dividend paid by the company is $2.63 for the quarter, all of that money will purchase a further percentage of shares(partial shares) and this is done automatically for you by the company or their transfer agent. 10. The companies you purchase should be purchased with the intent of realizing increasing cash dividends for you and your family for the rest of your lives.

Below is an ‘excerpt’ from my book ‘The Stockopoly Plan’ soon to be released by American-Book Publishing, and I would like to share it with you.

Have you ever noticed how some words in the English language are so perfectly named for what they describe? And how some words seem to be, I guess you could say, backwards? For instance, the word ‘sunflower’! How wonderfully aptly named is the sunflower, that beautiful yellow flower that follows the sun fron sunrise to sunset. And then there are those words in the English language where their meaning appears to be backward, so to speak – like parkway and driveway. When my car is parked at home, I would think it would be parked on, well, a parkway -and when I’m driving on the road somewhere, I would think I’d be driving on a – a driveway. In the stock market world, I think the word analyst is a perfect word in the English language and stockbroker sounds right to me ,too. And this leads me to what I call the brainwashing mantras of Wall Street. The brainwashing mantras of Wall Street may take the form of a number, such as a stock rating of 1, 2, 3 etc. Or the mantras may be a star, 1 star, 2 stars, 3 stars etc. The mantras may be a word or a group of words – attractive, unattractive, neutral, market perform, market out-perform, market-underweight, market equal-weight, market over-weight, sector perform, stong buy, buy, sell, strong sell. These mantras are so ingrained in Wall Street and investor’s minds that they have created multi-billion dollar industries. There are other types of mantras, such as RSI (relative strength index-a trading volume indicator), Bollinger Bands (named after its creator John Bollinger(he use to be a regular on CNBC)and the bands deal with the channel a stock trades in,in relation to its ‘moving average’- another mantra). Stochastics (used to tell if a stock is 75% over-bought – too many people have been buying) or 25% over-sold (too many people have been selling), Momentum, MACD (Moving Average Convergence/Divergence-price of the stock in relation, up or down, to its moving average, 50-day, 200-day moving averages, triple bottoms and tops, pendants, flags, bear and bull markets, head and shoulders formations, double bottoms, PE ratios etc,etc,etc. All these mantras serve a purpose -(and, I admit, if you are going to trade the market they are useful)- they create commissions! And in my opinion, have no meaning what-so-ever for the long-term, dollar-cost averaging, buying investor of company’s shares, free of commission charges, whose companies raise their dividend every year, with the investor’s idea or purpose being to provide an 85% tax-free income, through ever-increasing dividends for the rest of their lives, no matter what the price of the stock at any given time in the market place be. (Whew! What a sentence!)

Thomas Edison and the Stock Market Thomas Edison gave his definition of insanity: ‘Endless repeating of the same process, hoping for a different result.’ We are now seeing the stock market head down again as it did in 2000. Brokers, mutual fund managers and financial planners hopefully will not be repeating their same errors that cost investors seven (7) trillion (with a T) dollars. Unfortunately they will be working with the same deficient knowledge as before. The financial brethren have been taught to invest by the Wall Street tribe that has proven to allow huge losses for the small investor. Small is considered less than a 7-figure account. Any customer with less than $100,000 does not show on the radar screen. The old saw that brokers tell their clients that they will watch their account is pure horse hockey. The average broker has 300 accounts and only those in the seven figure range get their attention. Wall Street tells brokers to buy and hold. This obvious prevarication has been told so many times that is has become conventional wisdom. Just about every broker and financial planner believes it. If you are to make money in the stock market you must learn a new way to invest. Tom said you can’t keep doing the same thing. And I’m sure you don’t want to go thru those terrible declines that happened five years ago. Did you have a stock or mutual fund that dropped from its high 40, 50, 60% or more? I hope not. The top 50 mutual funds crashed 42%. Each $10,000 in your portfolio became worth $5,800. You could have saved most of the $4,200 if your broker had recommended a trailing stop loss order. When you bought your stock or fund did you have an exit strategy? Most folks don’t. Edison was always trying different approaches and when they did not work he quit them and tried something new. That is what you must do when investing in the stock market. If your equity goes down it is not working for you so you sell it to find one that does work for you. There are times when nothing is going up and that is when you will have sold everything and stand aside with your funds in a money market account. It may not make much, but at least you won’t let the market steal your equity. You don’t need to be as brilliant as Tom Edison to find a good stock during a bull market, but during a bear market it takes a super genius. During a bear market even the best stocks go down and many do not recover, Bernard Baruch, one of the greatest traders of all times, said the secret to his success was that he got out too soon. That may seem very simple, but he had the greatest gift of all traders. He had an exit strategy. Don’t join the other inmates in the Wall Street sanatorium by continuing to hold your equities as the market goes down. Learn to do something different to protect your investments.

About the author: Al Thomas’ best selling book, “If It Doesn’t Go Up, Don’t Buy It!” has helped thousands of people make money and keep their profits with his simple 2-step method. Read the first chapter and receive his market letter for 3 months at www.mutualfundmagic.com and discover why he’s the man that Wall Street does not want you to know. Copyright 2005

Money management in the field of stock trading is almost as important as stock selection. Without proper money management it is very hard to make money while trading stocks. And in fact poor money management can send your balance spiraling down faster than poor stock selection. Because if you hit a rough patch, where you are losing money, which always seems to come in faster torrents than winning streaks, than without proper money management, you will lose huge chunks of dough while floundering around for a plan.

If you have been reading articles by yours truly, and/or following our blog at , then you know, we trade exclusively in large cap stocks. And as I if I haven’t hounded on this point enough, one very nice thing about large cap stocks is their predictability, and frankly lack of volatility. Predictability is nice for trading and making profits. Lack of volatility is great for helping in money management. It is this lack of volatility that rarely will put you in the situation mentioned above, where, huge chunks of dough are being shredded, in the blink of an eye. But it can and does happen, and that is what you need money management for.

Because I trade in only large caps, I am extremely aggressive in money management. I was in the 90′s too, when I traded hi-techs, dot-coms, and bio techs too, and frankly that is what sunk me. Constant margin calls, forced me to sell or cover stocks that went against my position, and when trades did open up and looked like that ‘can’t miss’, I had to liquidate some other trade to open the ‘can’t miss’ one. All of this led me to becoming broke, and leaving stock trading for several years. But the reflection has paid off more handsomely than I could have ever guessed. So back to money management. I will tell you what I do, this is not a recommendation, just a presentation of ideas. But as we have earned over 50% per year for three years trading large caps, this money managemnt system actually increases that yield to close to 75%, and that is after commissions.

We generally have eight to nine open positions. Sometimes less, sometimes more. And we always use a margin account, which automatically will increase your returns, or frankly losses. To avoid margin calls, we use only half of the available margin in any one direction. So for example if we have a $10,000 stock account. Go ahead and figure eight positions for the time being, if you follow our blog trades and we go higher than 8, you might have to skip a couple of trades, until you liquidate, do not get in the happen of closing out one trade just to jump into a new one. As you know if you use margin you actually have $20,000 available to you, keeping half of your margin out of the market leaves you with $15,000 for trading. If you figure 8 trades, that leaves you investing about $1,875 per trade. Now most people think one cannot make money trading large caps, let alone only holding them for about a month. And only trading $1875 per trade. But our average trade through 2005 at the time of I am writing this has been just over 4%, per trade. At $1875 that is $75 profit per trade. Commissions now run as low as $7 per trade, I have actually seen some advertised that are lower, but we will use $7 (available at Scott Trade), so if you subtract the $14 to buy and sell from your $75 profit that leaves you with $59 in your pocket. And more money to trade with, you take your new balance and divide by 8 and viola your next trade will be $1886. And so it goes, on and on, you average trade earns you $59, you average trade lasts a month, your average monthly gain will be $640. But as your balance grows so do the size of your trades.

Two nice, very nice things happen as your average trade grows. One is the commission as a percentage of your trade drops, and two your account size grows exponentially.

Besides commissions, there is also margin interest, which runs currently at about 8% annually. Which on a $10,000 account will cost you about $66. So your $640 profit actually becomes about $575. On the plus side, since we are trading large caps, you will find dividends rolling into your account which offset your margin cost, but as those are random, and I don’t trade with them in mind, just call them a nice little bonus. Lastly there is the tax thing, which can hurt depending on your level of income. The Feds don’t give you a break on short-term profits, so expect to give some of this money back. But it is still better than digging ditches.

So that is how I decide how much to invest per trade. I actually divide by 10, and as aggressive as I am, I don’t leave 50% of my margin in reserve IF I am both long and short the market at the same time. If I am only long I do heed the 50% reserve, as a cushion. It also gives me money to short when it becomes likely there will be a short pull back, or to hedge against a pull back, but I don’t want to yet sell my longs.

As for losses, you can institute a stop-loss system on your positions, only wanting risk say a 5% pull back. I have tried that in the past, and most traders will swear you have to do it. But again since we are trading large caps, I no longer put in a stop loss. If a trade is obviously not going to make money, the last place I want to get out, is when I have had enough and can’t take it anymore. I will wait until the price rebounds a bit and then dump it. It is amazing how not panicking, can save you thousands in losses per year. Again this is where it pays to keep 50% of your margin off the table so you can temporarily absorb moves against your positions, without having to heed a margin call.

When a stock is moving in my favor I do lock in profits, however with moving stop-limit orders. On long positions I find I do almost as well locking 3.5% profit once a stock’s intra-day high is 5% above my entry price. I then keep moving up the stop-loss as the stocks highs become higher. Sometimes I use technical analysis to pinpoint where I think a stock’s rally will be over. But many times I find the stock hits that point and then re-rallies, so a pure percatnatge stop-limit system of exiting profitbale positions works very well. On shorts, I usually keep the stop-limits very tight, especially if the market is not in a downtrend. When a short moves against me, I tend to exit at the first sign of it’s next down ward move is ending. I don’t usually find shorts as profitable as longs, but I do use them. In other words I again wait for my short to move somewhat in my favor limiting the loss and then I cover.

Trade without fear and greed and you will trade better. A clear money management plan, will help you eliminate fear and greed.

About the author: CT Larsen has been trading stocks since 1990. Now trading large cap stocks exclusively. He has recorded three straight years of greater than 50% annual returns. You can read his blog at http://livingonlargecaps.blogspot.com.

Stock Market Investment Advice: “The Two Most Profitable Secrets of the World’s Greatest Investors”

Investing today is not for the faint of heart.

Finding the right stock has never been harder, much less getting truly helpful stock market investment advice. Yet investors keep plunking money down like there’s no tomorrow. Why?

For one thing, the ease of trading is like a siren’s call. No longer is investing a mysterious financial play made by only those in the know. Today, the image of the investor is that of the day trader, an average Joe attempting to amass a fortune from the comfort of his own computer. But ease of investing is only a part of the story…

The real reason we keep pouring money into the markets is that we’ve seen lightning strike before. We were either in on it, and loved the thrill; missed out on it entirely and can’t let that happen again; or even worse, latched onto a tech rocket, rode it to the top, then held on until it crashed back down in a blaze of worthless paper.

Lightning Can Strike Twice… And We Want In

Like you, we know there are winners out there still’but they’re increasingly hard to find. So when we do find a profit rocket, we want to be able to grab on to it with both hands and ride it to the stars. Then, just as importantly, we want to know when to get out’so our profits don’t burn up on re-entry.

In this white paper, you will learn about two of the investing secrets shared by more than 99% of the world’s most successful investors’the key to letting you squeeze every cent of profit from your winners and to getting out with your profits intact. And you’ll learn about a technique used by the world’s greatest investors to take your winning investment and ratchet up the profits.

Advice from the Good Doctor

Oxford Club Investment Advisory Panel member Dr. Van K. Tharp is “coach” to the world’s greatest investors and traders. These superstars come to Dr. Tharp (he has a three-month waiting list according to USA Today) for stock market investment advice that will lift their profits to even higher levels. He was profiled in Jack Schwager’s best-selling book, Market Wizards: Interviews with Top Traders’in fact, Dr. Tharp was the only trading coach included!

During the past 20 years, Dr. Tharp has accumulated psychological profiles on over 4,000 investors from all around the globe. To maintain current profile data, he has conducted many follow-up interviews with them. In addition, he has conducted extensive, in-person interviews with many of the world’s best investors and traders.

The goal of all this work was to find the elements of investing success these superstars had in common. What were the things they all did that helped them pull in far more money than ordinary investors?

If he could isolate those techniques that were shared by the world’s greatest investors, Dr. Tharp believed he could unlock the very essence of investment success.

Remarkably, Dr. Tharp discovered that these great money makers had hardly anything in common. They invested in different kinds of stocks, some liked commodities, others favored precious metals, many dabbled in currencies’and almost all had their unique systems for investing.

And of course this made the two things they did have in common all the more precious…

Dr. Tharp found that out of all the techniques, strategies, and systems these great investors used, only two had strong appeal across the board’but these two were used by a full 99% of these investors. In other words, they disagreed on almost everything else’but a full 99% believed that these two techniques were essential to their success.

And these are the techniques we’ll be looking at today. Once you’ve learned these strategies and start applying them to your investments, you will be in the fortunate position of being able to greatly multiply the returns you’ve been accustomed to pulling in from your investments.

Now’let’s start ratcheting up your profits with stock market investment advice and secrets from the world’s most successful investors. Secret #1: Never’Ever’Lose Big Money in the Stock Market

Buying stocks is easy. Anybody can do that. The hard part is knowing when to sell. And very few people know how to do that. We’ve all made expensive mistakes’either missing the full upside by selling too soon, or taking a huge loss by holding a falling stock too long.

Let’s face it. Most people don’t know when to sell a falling stock. So they’re frozen into inactivity, saying, “Should I just keep holding and hoping, or should I cut my losses now?” And there’s no reliable crystal ball to tell anyone when a rising stock has peaked.

The problem that causes both these mistakes to happen is simple: Ordinary investors are ruled by emotions. And the only way you’re ever going to join the highest echelon of the world’s best investors is to strip all emotions out of your decisions.

Greed… fear… worry… nervousness’all these feelings have to go.

Here’s our advice on how to do it…

While you’ll never be able to sell at the peak each and every time you invest, or ensure that you never buy a stock that subsequently falls dramatically, there is a secret weapon that is proven to get you the lion’s share of any move.

When you buy a stock, you buy it with the intention to sell it for a profit some time in the future.

In order to do so successfully, you should put as much thought into planning your exit strategy as you put into the research that motivates you to buy the investment in the first place.

At The Oxford Club, we call this our “Trailing Stop Strategy.”

All great traders and investors consistently cut losses short and let their profits run, and Dr. Tharp has found that trailing stops are one of the easiest and most effective ways of doing that. In this White Paper you’ll see many examples from our own files of actual recommen-dations, ones selected specifically because they show how well this technique works.

You’ll also see how bad things can be if you don’t use it.

You, the Successful Investor

In business and in the stock market, you’ve got to have a plan, and you’ve got to have an exit strategy. At The Oxford Club, we know in advance exactly when we’re going to buy and sell. Our strategy allows us to ride our winners all the way up, while minimizing the damage our losers can do. Before I get into our specific strategy, consider this business example.

Let’s say you’re in the T-shirt business. You’ve made a ton of money on your T-shirt business in the states, and you’re now in The Bahamas looking for new opportunities. You size up the market, and you figure you can make money in two places: in golf shirts, geared at the businessman, and in “muscle-tees,” geared toward the vacationing beach-goers. These are two products clearly aimed at two different markets.

You invest $100,000 in each of these businesses. At the end of the first year, your golf shirts are already showing a profit of $20,000. But the muscle-tees haven’t caught on yet, and you’ve got a loss of $20,000. There are numerous reasons why this is possible, so you make some changes in your designs and marketing and continue for another year.

But in the second year the same thing happens’you make another $20,000 on your golf shirts, and you lose another $20,000 on your muscle-tees.

Now let’s say you’re ready to invest another $100,000 in one of these businesses. Which one business do you put your money into?

The answer is obvious. You, as a business owner, put more money toward your successful businesses. But as you’ll see, this is the opposite of what 99% of individual investors in America do.

You, the Successful Stock Market Picker

What does “owning shares of stock” actually mean? This isn’t a trick question’as you know, it means you’re a partial owner of the company, just like you’re the owner of the t-shirt company in the example. Owning your own business isn’t any different than owning a share of a business through stock.

Let’s say the shares of your two shirt companies trade on the stock exchange. They both start trading at $10 a share. At the end of the first year, the profitable golf-shirt company is trading for $12 a share, and the unprofitable muscle-shirt company is trading for $8 a share. At the end of the second year, the golf shirt company is trading at $14 while the muscle-shirt company is trading at $6 a share. Which shares would you rather own?

Even though you know you should buy the winning concept in this business example, most investors don’t do so in their stock investments. They keep throwing good money after bad hoping for a turnaround. They buy the “cheap” stock’the loser.

The Trailing Stop Strategy

In the stock market, you must have a strategy that makes you methodically cut your losses and let your winners ride. If you follow this rule, you have the best chance of outperforming the markets. If you don’t, your retirement is in trouble.

Our plan is to ride our stocks as high as we can, but if they head for a crash, we have our exit strategy in place to protect us from damage. Though we have many levels of defense and many reasons we could sell a stock, if our reasons don’t appear before the crash, the Trailing Stop Strategy is our last-ditch measure to save our hard-earned dollars. And, as you’ll see, it works well.

The main element to The Oxford Club’s trailing stop strategy is a 25% rule. We will sell positions at 25% off their highs. For example, if we buy a stock at $50, and it rises to $100, when do we sell it? When it falls back to $75, or 25% off our high.

So with our Trailing Stop Strategy, when would we have gotten out of the muscle-shirt business? You already know the answer. Remember the shares started at $10 and fell immediately. Instead of waiting around until they fell to $6 as the business faltered, using your 25% trailing stop, you would have sold out at $7.50. And think of it this way’if the shares fall to $8, you’re only asking for a 25% gain to get back to where they started. But if the shares fell to $5, you’re asking for a dog of a stock to rise 100%. This only happens once in a blue moon’not good odds!

Advice on When to Buy Stock

Have you ever seen Coke or Microsoft selling at a single-digit P/E ratio? Me neither. And these aren’t isolated cases. The fact is, by hoping to buy super-cheap, you would have missed out on many of the greatest investment opportunities of our time. To make the big bucks in the best investments you’ll have to forget “buy low, sell high.” The new Oxford Club investment rule is “buy momentum, sell higher.”

We like to buy companies on the way up. It usually means the company is doing something right. It’s equivalent to your golf- shirt business in The Bahamas. Let me explain.

Let’s say that you and I believe in the idea of a three- wheeled car, and the price of the stock in the company that manufacturers them is at $30… but falling. When do we invest? At $30? $20? $10? $5? We don’t know how far this thing will fall. We want to buy when there’s some inkling of a market confirmation of our idea.

There is no price that’s the right price. Take $10 for example. I’d be a buyer at $10 if our three-wheeled car had fallen to $5 first, and then the stock started to take off because Ford was going to take it over. But I’m not a buyer at $10 if it’s one stop on the way down’the last stop on that elevator could be the basement. The bottom line is this: I don’t want to buy dreams alone’I want to buy dreams that are turning the corner to reality.

We’ve got a complete buy and sell strategy for all’every single one’of our stock positions.

Here’s How Our Trailing Stop Strategy Works

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Gold prices climbed more than $18 on the New York Stock Market as of 11:40 a.m. to their highest level in more than one week on a weaker dollar and increased confidence that Eastern and Western European leaders will ultimately solve the Eurozone debt..

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