And the one,, the rest of the world had awaited.

Has come to pass.

WE have come to FIGHT, with ourselves,,

over our prosperity.

And, folks, THAT has become,, our downfall.

That,,, and GREED,, and we are known for both.

How do you pick off AMERICA?

COUNT on ,,

it's STUPIDITY

Then ,, hope like hell ,, we do not become "Americans"

Because, we will.

Internal, or EXTERNAL,,
I BELIEVE,, in the

"American people"

When, and IF,, they EVER get Their head out of their ASS.

Why? Because you can not buy in cheap enough. Yes, you might make gains on it, and well you should. But, fact is, BEFORE you bought, future gains were priced in. And, more than 85% of the time, there will be a market retrenchment. So, for you short term traders, you are at a disadvantage. While you may be at a short term gain, IF, you time the market correctly, you will still lose to the long term investor, who will recognise the fact the market over-priced a single stock based on a short term outlook

Take gold for instance. There is a case that says, despite the huge run-up in gold prices, that gold is still a good buy. And, I believe it is. Too many smart minds are on that band-wagon.
Inflation is a sure bet, the US dollar, is all but dead and buried, and gold may be the next REAL currency. It certainly qualifies on the basis of scarcity. But, for one thing.

Everybody wants it, and only a few can have it. And, while they are all concerned over how to get gold, what should YOU do. Let them fight it out, and pick the next few items, they will need, while the prices are much cheaper on them.

The next best thing to money, or gold these days is silver. Also a measure of monetary wealth, and selling for a discount (a big one). But, less noticed, it can rise, at a rate that far surpasses gold, because GOLD is the measure. Well, while gold slowly rises, silver has been on a tear.

And, not just silver. Do you know that several stocks, some of which are silver related and some not, are SERIOUSLY out-performing gold right now? For instance, John Deere (DE) is up close to 70% this year, while GOLD is pushing maybe 25%, depending on how you invested it.

And, here is the shocker of the century. Believe it or not, for the first time in history, to my knowledge, there is a possibility, that CORN, will surpass the gains of gold and silver!

So, what does a smart investor do?

STAY UNDER THE RADAR. Yes, pick a few gold stocks, but limit that, and hold on. Pick a few close relatives, and hold them LONGER. If corn is the new gold, then maybe DE is a buy, rather than corn itself.

Smaller names, that beat the market as a whole, is the sole trick to market beating results. But, there is one caveat to that. You also need the big, and secure. How many companies will outperform IBM this year? A whole bunch. But, IBM, is dollars in the bank. Now, and later. And, if the market takes a dump, in time, you get those dollars back.

So, in the briefest of statements, beat the market, by buying, close to, but not exactly as they do. You gain, on their gain (and are LIKELY to beat them). Following a herd, can only get you beat, in the end.

Play market timing, but not to the extent of a short-term trader.

Balance your portfolio. Put a HEALTHY dose of RISK in it, but protect yourself there too. Not following the herd can be expensive in the short-run too. Put some SAFETY, in your portfolio too. Slow and sure, will win some races, but not most of them.

But, you can take this to the bank too. Being like every one else will COST you money. Especially, in the short term..

I don't know why, and I can't explain it. But, SIMILARITIES, to a good trend, will generally out-perform the good trend.

Right now, agriculure, is a big trend. Potash escaped the BHP take-over bid,, maybe. Does that make the element potash to be less in demand. Does that make stocks that produce that, good investments right now?

You could follow, big money, and say it will happen. Dollars to donuts, BHP, will invest in it's own mine (or potential mine), and give Canada, the BIG bird.

I like BHP, because it has the money and CLOUT, to get things done. Do NOT, go "piss into the wind".

Recognise potentials, invest in them. And, then, invest in what can beat them. Big, is a liability, in a stock market race of share price gains

Then again, slow, and steady will win some races.

I can probably beat the returns on BHP, for a long time to come, and never lose a dime. But, in the end, I have to know this too. No matter how good MY returns are, I could NEVER buy Canada. And, guess what. At the rate that BHP is creating WEALTH, it just MIGHT be able to do that.

It is a double edged sword. Sometimes you beat the market, by going against it. Sometimes you have to see, the world is "for sale' to the highest bidder.

Sometimes you have to look at the balance sheet. Who has the money? Or could have?

And, the answer to that is GE. And, what does GE have over BHP, besides a lower stock price? Aside from dividends, which fluctate, GE does spin off stocks, at a fairly good rate.
Enough to make the stock a BUY, not to mention, a cheap stock price.

Yes, GE, please, get out of financials, and DO, what you DO so very well. Provide the ESSENTIALS, of a better life for all.

If you want GAINS, you have to stay "under the radar" and you can beat most any of them. But never kid yourself, Any BULLY on the block, can take you out, in a moments notice.

Don't fight money. Make money, on money. Play the short term trends, but as a long term investor. And, while you can beat them, for how long?

Smart money, is a good hedge. Take both sides, and reap "like hell" while you can.

Yes, that too is part of the investing game. Don't fall in love with your stock. Of all of the stock advise I have ever recieved, that may be the only "truism" I ever heard. .

Countless times, you will hear reasons to buy, and reasons to sell. More often than not, I will tell you, someone is telling you that so "THEY CAN PROFIT". And the back side of that is USUALLY, they will do it "at your expense".

Ok, that is the name of the game, and it is an "UGLY: game, for REAL money. Close to gambling. You bet!,, Oops, is stock picking gambling? Well, maybe, and if you don't like gambling, well, you have decisions to make. Can you retire, on savings from your income?
If you can, or think you can, my blessings, and you are excused. Bless you, and GOOD LUCK.

The rest of us are not so blessed. So, I am going to bring up some "ideas" for how to make money, and in fact, I am going to do it in a different form than most. I am going to "concentrate", on making money,,,, from just breaking even.

Now, if you are a short-term investor, breaking even, is a waste of time,, mostly,,, but the concepts still apply.

So, my first topic is "stock splits". Technically, you can not make money on a stock split. You have more or less shares, but the same percentage of the "pie" you had before the split. But, here is what a stock split does offer you. If the stock is doing very well, it may grow, at a rate "equal to the pie", but, in absolute growth or loss. If it does well, likely you will like the results. BUT, most of you, are not REALLY, interested in the "pie size". Only a few of you could EVER acquire, enough shares of a company, to make the most insignificant portions of it. So, what does a "stock split" really offer you. The chance to sell off some, and re-allocate, your portfolio,, and to "feel like",, you made a profitable decision. Maybe you did, who knows? You made money, and limited losses?

How many of you have I lost so far? Some us us just made money, on a break-even deal? Not so much in real dollars, but we may have more shares, of a good company, and re-allocated, to diversify our holdings, on the same amount of dollars,,, and maintained, enough for future growth. The beauty of a stock split is not more shares, but the diversification possibilities it offers. Do NOT under-estimate that. It will make dollars, and cents (sense).

Next. look for companies, that tend to 'spin off" previous (or future), business lines. If the company is large, your stock price may not drop significantly, and you maybe handed "free shares" of another company. Does anyone here have a problem with FREE? If so, I promise you, this column will waste your time. For the rest of you, the likely best solution, is the "immediate sell" of it. It was dumped for a reason, but there are yet two reasons not to sell.

First reason not to sell a spin-off, is if the new management is better than the old. It happens.
Do your research, and sometimes the answer is wait and find out. More often than not, the parent company was right. It is just not going to be profitable enough to keep on the radar. Second reason, is how good of an acquistion target, is the spin-off. Which brings me to my next topic.

An acquisition target, is not like the others I have mentioned so far, except in ONE way. Your investment dollars have not changed. Now, in almost evry case, you are about to make a SERIOUS PROFIT, on the same investment dollars. Companies get bought, for a "premium".
Yep, you make money.

So, regardless, of how good or bad you are at picking a stock, you can make money, even on some "break even" scenarios.

So, how about this, Review the list of stocks I had you create (previous e-mail?), and see how many, have a history of stock splits (harder info to find), look to be acquired, or look to spin-off other businesses. Folks, I kid you not, some of the "break even" stock deals, can make you a fortune.

If you want to go to the rest of it, well it is dividends, against growth. Long, versus short term, sectors, or individual stocks, and you can make money all over the place there.

But, my FIRST lesson, is you can make ENOUGH MONEY, on the break-even,, to get filthy rich,, if you make "good decisions".

Yes, you WILL make some bad decisions. COUNT on it. Maybe, it is the "BREAK-EVEN" decisons, that will determine the outcome, of your portfolio.

Ok, I spent MY two hours,, plus, that I recommended on YOUR research, so now maybe I should do mine? Hopefully, I educated a few of you.

A research list, will do you no good, if you never apply it. Take the LEAP, and look FORWARD, to the day,,, hey, I broke even,,,, and not that I made money, but that I will.

And, that will be VERY hard to do for short-term investors, but the concept is the same. Do NOT, try to time the market. If it works, count your blessings, and tell yourself, "you made good choices".

Market timing? Well, we had this question earlier? Should it be GAMBLING?

Every good gambler will tell you. The best "GAMBLE",,, is no gamble at all.

By that, I mean, "taking profits" is not a SIN. Especially, if all you had to do was be there. Ok, there are "moral decisions", and you make those, not me.

Me, I have nothing against a profit. I did not rob anyone (to my knowledge), committed no crime, and took ADVANTAGE, of a SITUATION, where MONEY was to be made. And, I can sleep at night.

Welcome to investing folks.

So, here is a plan to get you started. It really does not matter if you are already invested, or just plan to in the near future.

It begins with find 200 stocks to watch. Very few people can name 200 stocks, let alone watch them, but that is the first task. Yes, even if you just write down stock symbols you have no idea about, find an hour or two a day, and make a running list until you reach that number. It will save you time if you write down the current stock price, if you know it.

Secondly, if have not got the current stock price, look it up. Yes, you will be using a computer, so you might as well get used to that right now. You will be expected to spend no less than 10 hours a week, and 2 hours a day is about right. When you have all stock prices you are ready to move on.

This is an important step. Find out company information on every stock on your list. You want to know the business they are in, what they make/sell, and who the competitors are. We will be digging into this more later, but for now, it is just to get you a "feel" for which industries you might prefer to deal with, and which you may not. If say, you find one that produces tobacco products, and you are averse to tobacco, you may "consider' crossing this off of your list. I just have one question for you before you cross it off. If it is making money, are you more averse to money than to tobacco? If your answer is yes, cross it off of your list, otherwise, leave it. This is about making money! But, you do not have to sell your soul to do it. Somewhere in this exercise though, you may cross out about 25 companies, and that is ok.

Ok, you have a "feel" for what a few of those stock symbols now represent.Hopefully, you might have written down a word or two by that stock symbol, to say what the business is about. Folks, that is the beginning of "sectors", or it will be, once we group them, which we are not quite ready to do yet.

Next, go back through each stock, and write down the current P/E, and the forward P/E for each stock. By now, you might be getting the idea. Folks, a spreadsheet is a good idea. Microsoft Excel make marvelous spreadsheets.

If you think I have given you much less than 2 solid weeks of homework by now, most of you are mistaken. Some of the "more prudent" will skip the steps, and miss half the point. You can do all of this on a single stock, at one time, but you will miss the idea, of learning each stock symbol, and making associations to it.

Next though, I want you to use some "compare screens" . Find companies, in the same line of business. Basically, just a "peripheral view" of how your stock compares, "in your opinion" to it's competition. You may see things like debt ratios, return on equity, asset turnover, and some terms you may not yet be ready for, but take a "preliminary stab", at how you think this stock might fare against some in it's own industry. My goal here is not to make you a financial "wizard", but again, to help you find "your comfort level" for this stock. One's you don't like at all, feel free to cross them out. In some cases, you may add the one you found you like better.

Next, go to some chart info for each and every stock on your list that is not crossed out. Go back to your spreadsheet, and write 'top', 'middle' or "bottom' for each.

One last technical item to be performed, and you are well on your way to getting started. Go back through that stock list, and add two items to your spreadseet. One is the current dividend,
and the other is the projected growth rate.

Now, scan your list, and find the 25 that interest you the most, From an investment perspective.
Granted, I have not explained P/E, and some other things, but low P/E is USUALLY (but not always good), high debt is seldom good, and high returns is almost always good. Keep in mind though, you will be following these stocks, so if they they are in a business you find distasteful, drop them now.

Ok, we have been through some of the most "BASIC" items of selection, and finding your comfort level. This process should be repeated, regularly, except now, you know, there are some stocks, you may not ever want to track. "EVER"? Again, are we here to make money, or to say how we feel?

One last activity, and we will close this. Group the items on your list, by the businesses they are in, in "really broad" categories, like retail, oil, real estate, financial, transportation, technology, minerals, and maybe a few more. If you have more than 10 groups you have too many groups. If you have less than 4 groups, you have either over-grouped, or made too many selections for a single group.

Now, I don't want you to throw away the complete list you made, because we may be coming back to that.

But, for now, you did good home-work. Good job, well done.

Case in point, the name is MIKE ARMSTRONG, but I had to sleep on it, and research further. Yes, he is the CEO, that "JUST PLAIN GAVE UP", on one of the most historic, and LARGEST companies in history. And, YES, I did discount the size of AT&T at that time to post MA-BELL break-up.

WHAT a LOSER, and yes, it is him, I want to be first in line, to piss on his grave. But, there must be, several hundred thousand, larger investors than me, who deserve to be in line BEFORE me. As I last understood it though, he did get another CEO position, and now he could not get a job as a teller a Wendy's. I do not KNOW the whole truth there, and I know he retired with YOURS, MINE, and a BUNDLE of other people's cash.

Water under the bridge folks. It is GONE. A bad decision was made. Maybe not even that. There was just no time to bail, after he got office. Ride the storm? 15 years later, if you count dividends of less than 3 %, well, by my accounting, you have still lost 3%. Not on stock prices, but on cost of living increases. AT&T has been a virtually DEAD stock, for the last 15 years, despite it's recent rises, of shall we say almost 30%.

Well, that is what a BAD CEO, can do to your investment. And, as bad as that story is, I REPEATED it, on Chesapeake (CHK). Different circumstances of coarse. MIKE ARMSTRONG
did see the coming of 2G, 3G, and maybe 4G phone networks, And, they scared the PANTS off of him, in terms of what a long-lines based company could do, even if it had a foot in the door on wireless, and ahead of competition there. The CEO of Chesapeake, is just guilty of being INSANELY greedy, for his OWN personal gain. While I can appreciate, and understand that personal quality, as an investor,, well, I just waited to long to see it.

Make money, and I will help you do it, but DO NOT do it at the expense, of OTHERS.

Ok, one man's gain, is another man;s loss. To some end, that is true, no denying. But, like everything ELSE, it requires JUDGEMENT.

So, let me ask you THIS question? Would you not just like to make money on companies doing good things right?

Believe it or not, you can. Ok, there again, maybe I over-step my bounds. I am not a fan of Phillip-Morris, but as a stock watcher, I have to admire the company. And, yes, I smoke. Wish I did not, but, life is what it is. I don't recommend smoking, and I don't recommend Phillip-Morris, but it is a decent stock.

Once upon a time, in a past life, I could (and did) drink beer by the truck-load. I don't any more, but, in the day, I should have invested in Budweiser, Now it is In-BEV, and it too, is a good stock, but does not get my support.

So, what am I telling you, as an investor? That I am a smoker, and a past alcoholic. Possibly, but that is not the REAL point here.

Let's change that perspective, just SLIGHTLY. Let's look at things from this view, for just a second.

I have CHOSEN, industries to invest in, and industries to avoid. Let's carry it ONE step further, and I have chosen, SECTORS, to invest in, and sectors to avoid. Oh, yes, I have missed some real winners on this strategy, and I have avoided more losers that I EVER would have had as winners.

In fact, if the market was PERFECTLY timed, I could have made a TON of money, on AT&T, Phillip-Morris, and IN-BEV (or Budweiser).

But, if you play market timing, more often than not, you will lose. I am making a play right now, that says the market is WAY, WAY, past due, for a correction. Maybe, I am right, maybe I am wrong. I will not short, to prove I am right.

Cheaters, may prosper. There is NO ethics, in it.

You can do mostly the same things, by picking good companies, in good sectors,,, and yes, just holding on.

AND, you can sleep at night.

Did I say the market would not go down? Did I say, you would not lose some money,,, short term. Very likely, you will.

But, if you don't bet the farm, on one stock, and you can wait, a little while (not forever, but say 3 years), you will win in the end, more often than not.

Yes, you HAVE to pick good stocks, or you will get RAPED,, finacially.

If you are a LAZY investor, look for a fund NOW, as I PROMISE, I have NOTHING for you.

If you are a "Gambler from hell", you will get some advise here, to help you, on your "once in a lifetime" JUMP, but most of you will miss it.

The BALANCE of my column, will be based to help the "majority', of mostly, sane investors.

Yes, that should help, the already weathy, and those that want to be.

And on that note, I will ask BOTH of my remaining readers.

At what point, is ENOUGH,, too much? I can help you get there, but then what?

It will NOT be 'JOY-RIDE" to get here. But, you should not have to "sell your soul" to do it either.

Understand the basics, before we start. I am NOT you, and you are not me. My concepts WORK, but you may have to make adjustments, to fit your STYLE.

What I won't do, may be the way to your FORTUNE.

I am not your judge, or your jury. I am "at best", one of many advisors.

And, as your advisor, the first thing I want you to know,,,,,,

Is I make mistakes.

Right now, I am a "seller". I could be wrong, but it is a question of when rather than if.

'

Which is the beginning of this lesson.

If a big investor makes a mistake in a single stock purchase, more often than not, they can be disappointed in the short term, but are they hurt in the long-term. Most likely, not. They can ride it out, and hope for a return. They can say my "other' investments will "cover it".

And, likely, in both cases, they would be right.

But, let's say for example, you have a lot less invested, and made a single bad choice on a stock. Well, the rules of what to do, might be a lot different, or seem so. But, to yield to the tempatation to 'bail out', will come quicker for them, than for someone with much more.

And this is the first lesson, of investing. Maybe the first few.

First, do your research. Decide WHY, you think this particualar stock is worth the use of your money. WRITE IT DOWN. SAVE IT.

If the market goes up on your stock investment, you will NEVER have to wonder why you bought a particular stock. You will countless times wonder, why you did not buy more of it.

If the market goes down, is a different situation. Who is the first to kick? YOU, for making a bad decision. And the natural tendency, to "bail out", while the time is still good. In sooo, many cases, you might be right. But, I have to say, that over time, you have likely committed the biggest investment SIN of all time.

YOU locked in a 'loss'. That money (that you lost), is gone!

Which is why I heartily recommend, if you are going to invest, do it with a LONG-TERM perspective.

And the point of this column, is folks, do NOT "lock in" losses. It is a SIN of investing.

You had a reason to buy it. Pull that out, and look at it. SEVERAL times, before you decide to sell.

Ok, using my own advise, and I will point to two. Somewhere in the depths of my mind, i still wonder, if I was right to sell on losses here, but yes,, tried and true, reasons prevailed. Under any conditions, there is a time to sell, even if you have to "lock in" a loss.

My examples here are OSK (Oshkosh) and CHK (Cheasepeake Energy). When I wrote them down, I had "industry leader in natural gas production" for CHK, and "preferred military contractor on specialized equipment" for OSK.

Needless to say, I rode through heartaches on both. I made sales on both, figuring, I could get back in at a "better time". After all, both, had peaks well beyond market returns. And guess what, I was wrong again. And, I sold agian. Now, I am not saying, how much I lost each time, but each time, I did lose. And because I WANTED to BELIEVE, I bought back in a third time, at what I KNEW had to be a new low.

Well, there are SEVERAL lessons to be learned here. First, is Aubrey McClendon. If you have a bad CEO, you are wasting your money. On any stock, at any time. First, most are not, but this one, may I be the second in line to "piss on his grave". There is a nameless AT&T past president, that I want to FIRST in line for (does ANDERSON ring a bell?).

Secondly, is no matter how much you might believe in the business, if it's money supply is not there, you have a loser. This has REPEATEDLY been the case with OSK (Oshkosh).

Ordinarily, I would be a "buy and hold". SOMETIMES, you can't. Stocks are not your kids. You CAN stop investing in them. Most people, tend to want to give up too quick. Make sure you have sound reasons, before you accept a loss. Do not make my mistake, and return later because it looks cheaper. If it was a mistake before, LEARN from it. If others can make money on it, where you failed to,,, good for them (for as long as it lasts).

So, the first lesson(s), is pick well. And may you never feel "buyer's remorse". But, sooner or later, you will pick up a LEMON.

Second lesson, is, today's LEMON, may be tomarrow's lemonade, and ask Coke or Pepsi if they want to quit selling lemonade. Margins, are way too high.

Third lesson, sell into a loss only as a last resort. Wait, and more times than not, your first instincts on why you bought the stock in the first place still pan out.

Fourth lesson, trying to time the market, is likely to cost you.

Fifth lesson, in the end, the long-term investor, will likely rule. Because they can, and will wait.

Sixth lesson. Don't repeat bad earlier lessons. LEARN. So what if others make on your losses?
You still stopped the possible future bleeding.

Seventh lesson, you will make mistakes.

Eighth, and LAST lesson, is don't give up. Just make better choices.

Those are the beginning lessons, and from there, later, we will get into how to pick winning stocks.

Not so long ago, I had individual stock recommendations. Some have worked, and some have failed (miserably). So, I am going to back up, and once again, favor the poor, and explain.

I favor the oil industry, and I keep stocks, for just such a purpose. Not because I like oil, but how far, can YOU transport GROCERIES, without it. Face it, in some climates, milk can spoil, before you get it home, without gas, and transportation.

Ok, was it not Peter Lynch, the Fidelity investment wizard (?) that said,, invest in what you know?

What I know is, 85% of the population struggles, while 15% of the population has the money.

What do the rich do with their money? They BET, on the 85%. And, how they STRUGGLE.

Face it, it is a SMART MONEY play.

Now, the advice I will give shortly, is NOT how to beat them, as most of you can't. The best I can offer, for the most part, is how to "ride along".

If you can "learn" to "ride along", you can "learn" to beat them, at the game they play. Or, at least, not lose the 2%, they gain on you every year. Have you not noticed? The gap between the "filthy rich", and the "dirt poor", grows,, at a rate of about a percent a year.

No, folks, I am NOT your savior. Some of you have a substantial amount invested, and you are looking for safety, an retirement. Some of you are just getting started, and need guidance (and a whole lot of time and luck).

I will NOT offer get rich quick schemes here, as those are so few and far between, most have no chance at them. There may be here, ideas, for the more agrressive, to ABUSE my ideas, to the point of "becoming filthy rich". They will run the risks, of getting caught "with their pants down".

So, to make this REAL CLEAR, I am going to make some "middle of the road" advice, that should help,

"MOST people"

I have never met someone, with "too much money', but Warren Buffet, I would like to shake your hand. I admire your style. FACT, folks, his story, will not be yours. For 99.9% of you.

But, learn lessons from it. Right now, no matter if you are rich or poor, live "frugaly". Don't understand "FRUGALY", look it up. And heed.

You are on the doorstep, of a GREAT opportunity. There are so many, treacherous reason's to be cautious right now, it becomes one of the GREATEST buying opportunities of all time.

But, again, it is hard to deal with all audiences. right now, I am a seller. STASH the cash.

Wait for the market to test the Dow 11000, when it has to go to 14500, within 2+ years.

Let everyone prove, there will be a life after "2012".

It is a time to use CAUTION, but to continue, to invest on weaknesses.

And, there, are markets, I do not follow, because I have "sensativities". If you want to capitailize, on hunger,well, I am not going to recommend, A&P stock, although it might not be a bad buy.

I just don't work that way.

If I can't do things, That make sense,

Well, that is what INVESTING, is all about. And, making money, at it.

Let's see,, how much good,,, I can do,,,,, for

"the masses"

The more I help some, the more, the more I hurt "others". That too, is the "nature", of the game..

Now, on a closing note. Let the market ride. it is "long" overdue, for an adjustment.
Then, later, we will buy back in.

OK, if someone told you every "significant number" on the DOW gets tested, and even thousands is a 'significant number', such that there is almost ALWAYS a market fall, would you still be a buyer?

If you are a short term trader, you would run and hide from a DOW of 11000. P/E ratio's are still notoriously high, and the economy is in the pits. There is every reason to be negative, EXCEPT ONE.

Negativity. Let me dwell on that for a minute. And, yes, I will share my opinions. The market is in "the crapper", yes, at even a DOW of 11000. Ok, what makes you say so?

First, the MARKET is displaced. It has forgetten it's function. The MARKET is for INDIVIDUAL INVESTORS. FUNDS, have taken it over, with the idea that MORE is better. They have not improved it, they have ruined it. Now, seldom do EARNINGS rule, but VOLUMES do. More SAFE dollars, rule the market. The 3% gain, is the name of the game, when in truth, if the MARKET of individual investors ruled, most would see at least 25% gains AGAINST (above) the rest of the market. Secondly, we have allowed a system, where people with NO INVESTED DOLLARS, can stand to profit. Yes, short-selling. My God, do I need to explain why this concept is flawed? I could put a 6 year old on a computer, and bet money, the 6 year old would make money, and I would be right more than I am wrong. Then again, we are not 6 year olds, and our decisions should be more foundly based? Sooner or later, the adult might win that one. But, thirdly, we have ACCEPTED, that computer trading is ACCEPTABLE. No, not using a computer to make trades, but to have computers that GENERATE trades. Ok, the computer is at a disadvantage? It can NOT think. But, it can take the best plans of every man, woman, and child, and do things at speeds the human brain can barely keep up with?

Ok, we have a flawed system. I do not know if I can fix that, short of a system willing to trash the mindset that allowed it. (I recommend that)..

But, I do know some things, which you can etch in stone.

The Dow at 11000, is going to be tested, so if you are a BIG investor, build cash, so you can try again later (and I hope you fail miserably, but you won't).

In fact, the market has ANOTHER major hurdle ahead. PICK, your name for it. The Mayan calander, soothsayers predicting the end-of-the-world (Dec 21, 2012), but would you believe people WILL try to HOARD MONEY, even if they knew the end of days was near? Yes, we have those in our midst too. My God, if the end is going to happen, will money help??? or prevent it?????

OK, I have depressed way too long, how about some ALTERED REALITY.

How many of you remember, just about 3 years ago, when the Dow was approaching 14000?
Ok, maybe it was over-priced. Let's factor in a correction. Let's say a Dow of 12500. Ok, let's go further. The Dow is a group of UNDER-PERFOMERS, and let's even through in a full blown recession. What number do YOU come up with? Mine is a DOW, of 11,500, with room to the 12,500 level. Ok, economics, are not good RIGHT NOW, but there are really only two ways to go.

The world will end, and it will not matter one IOTA, how much money you have in your pocket,

or,,

things will appreciate in value. In the LONG RUN, they always do.

Whether to invest now, depends on your age, investment strategy, wisdom, luck, and much more.

I am telling you this. We can improve on much. We got this way,in the name of GREED, and created a lot of jobs getting there. To get out of it is NOT going to be painless. Yes, it is a FLAWED system, or has become one.

But, on a chance, I am going to BELIEVE, in our fore-fathers, and the system they believed in so many years ago. Yes, the SYSTEM, they saw. The INDIVIDUAL INVESTOR.

And yes, I am going to tell you, by 2015, if there is still a world, the Dow,,, will near or top, 15,500.

Not because I believe in the Dow. But, because there are too many worthwhile stocks out there,,

for the DOW to not be at that level. And, if the Dow, is there????

What is a good stock doing?

If you BELIEVE, there will be a tomorrow, wait, watch, and pick your time. There WILL be a cheaper buy-in time in the near future. If you are a long term investor (already invested), you are about to reap some SERIOUS gains, if you just hold what you have. In one sense, we are over-valued, short term,, but LONG term, we are not even close, to what can and should happen.

Then again, as anyone I know will tell you,,

My crystal ball,,

is in the shop.

I rode the market down, (like a fool). But, before, at points in the middle, and towards the end,
I outperform it.

You can beat the market. It is NOT that tough. Then again, I would also bet on the neighborhood CROOK.

I am NOT greedy. I know how to make money. I will NOT sell my soul to get more.

YOU can make money on your values and beliefs,, but, you NEED FAITH,, and time.

Now is a GOOD time to start, if you have not already. If you have, a buying opportunity is about to come your way. Don't miss it

I have missed calls before. This would NOT be the first. I am going out on a limb here, and I will count on inflation (due to congressional/world idiots), and call THIS,, one of the GREATEST BUY opportunties of all time. But, give it a month, before we overdo this.

SO, while in the MIDST of WHINERS, and FOOLS,

Let;s SOLVE this problem.

I need a few things, to make it work.

ONE, we need to get rid of IDIOT Democrats

Two, I am a programmer by trade, so I know we lose by the computer.

BUT, I also know, a better program based on a DEFUNCT SYSTEM, can make us a winner.

I do have a plan. It is BASED on what our FOREFATHERS saw.

No, not the rape and pillaage of the willing.

It is TIME, to REPLACE Wall Street.

I HAVE the technology, but need help.

It is SO, very simple.

The RULES, of today's market, will SCREW, every investor.

If I open a TRUE MARKET, do you have any idea, how many companies would flock to it?

Rules are a must.

NO, shorts, will attract a LOT of companies.

Five trade MAX in a month will fix MOST of the rest.

Gee, I HOPE I Do NOT attract a lot of FUNDS, you IDIOTS reresent a small FORTUNE of people's losses

I can write a program with the best of them,,

SHALL WE PLAY

I have the knowledge, and the technology.
I do need ONE THING

Provide that , and the CARNAGE is over.

Ok. lose a fortune,,
I will NOT care. But, this is not the end.

YOU CAN NOT BEAT, what they will do to you.

YOU can be a PART of a BETTER SYSTEM.

The system is is based on a trader id.

They CAN NOT beat it.

And, they will fight it, tooth and toe-nail

But, it REPLACES, the defunct rules of Wall Street, for companies willing to join.

Yes, that is another catch.

It is a START-UP

Based on a DEFUNCT Market situation

But, it can work.

If interested , just reply here, and leave name, phone, address

We could be broke shortly,OR, be RICH, beyond YOUR wildest DREAMS.

It begins, with replacing Wall Street

THAT alone will be a MONUMENTAL tasks.

But, it can be done.

and, IT NEEDS DOING

I will not live to see this to fruition

But, I have the WAY, the TRUTH, and the LIFE,,

for people.

Just like our forefathers, and using the SAME insight, they provided,, For this country, how many years ago?

HAVE WE CHANGED, or has TECHNOLGY.

WE CAN FIGHT BACK!

Let's take THEIR PROGRAM on , HEAD TO HEAD

And FIGHT back

I need some help, but I can.

BEAT THEM

it will pay off.

More details later

A STUPID, broad, with Goals.

Thirtheen toes, an abnormality by MOST defintions.

Yet, to over-come

People, you have APPROVED abnormailty.

No, I do NOT go so far as to say, I disapprove.

I DO go so far as to say, you have LOST SIGHT.

A STUPID, black broad, to pick the MOST OBVIOUS, blights on our society,

And, you paid her BILLIONS,,, for the OBVIOUS

What have we become?

My hat is off to you OPRAH.

Not beacause of what you are, but because of what you made of it.

Maybe, just maybe,,

that too is the answer,,

to today's market.

but,, if it is ,, I will really hate myself tomarrow. I invested

I have made my decisions based on MY MORALITY.

If you think, anyone has the right to prosper at anyone else's expense, we are obviously in different camps.

Investing, is, and should include, moral decisions.

In this environment, I heartily recommend,

Do NOT invest. You can NOT buy at the bottom, because there is none.

EVERY stock will be forced to pennies, so a computer, can take it.

I am a computer programmer by trade. I KNOW, what it will do. And, how it will do it.

UNLESS, YOU stop it.

The choices are obvoius.

Either, they want a WORLD of crooks, or we need to rid the WORLD of crooks.

Ok, we have global world problems right now too. That is not an excuse in my book. It is a reason for some market decline, but NOT to the degree we have seen.

We have had our share of problems with banking systems (and still do). We have had a lions share of problems with oil lately, considering the massive size of BP's oil leak problem (have you stopped filling your gas tank because of it?). We have even jailed a few (not nearly enough), for being STUPID criminals (hey Bernie Madoff, how are your hemroids? If you were a tad younger, you might get what you REALLY deserve. Up to me, and you would be cleaning porta-potty's from the bottom).

Yes, folks, there should BE PENALTIES, for those who have ROBBED you (this time). No, I am not penalizing for market adjustments, but the rest is PURE HOGWASH.

How did we get where we are? By ignoring HISTORY. More specifically, thinking we could improve on it.

Just like America, and what made it great. It was founded by people who had a new vision of life. Poor people, with BOLD ideas. Ideas, for ALL people. And few of us will deny, the very FEW basic ideas that they started a government on were good ones. Yes, today we call it a "Constitution" and a "Bill of Rights". Yes, just ten in the bill of rights, but time has amended even those. The "bill of less rights"? Yes, thanks to Congress, we probably have a "bill of less rights".

Don't get me on the topic of Congress, or I will never get to the point, but explain to me, how they can take the most profitable entity in history (Social Security Administaration), and turn it into a losing proposition, while at the same time providing UNSURPASSED medical/benefits for our MISFITS in Congress.

But, to the REAL point. How do we stop this market CARNAGE?

TODAY, we do two things.

1). Stop ALL trades made by computers. Well, not all. But all in one category. If it is a CUSTOMER based trade allow it. If it is a COMPUTER based trade, disallow it. Ok, that will be a short term effort at best. Some crook will find some way around that too. But, you have to start somewhere. For a computer trade to be accepted, it must have a verifiable customer id associated with it. Computers do not get to be customers. Nor do pets, aliens, the deceased, etc.

2) Stop ALL short selling. If you have NOTHING invested, you have NO interest in the stock, and no right to make a profit (or loss) on it. Think it will fall, stay out, and shut the heck up (or not)

History people, will lead you out of this market decline.

The market was devised for INDIVIDUAL INVESTORS. Not for computers, and not for scam artists (short sellers).

And you know what, there is some more history that might be considered about now. In the great depression, there were people, brought out into public and HUNG publicly, for crimes gainst "the people".

Ordinarilly, I would be in the camp that says that is barbaric. Now, I am wondering. Which is more barbaric? Too watch hundreds of thousands, to be systematically robbed, or to have a few public hangings, for good cause. No, I am not even advocating a jury for most of them, beyond those present. No life in the pen. They have cost the public ENOUGH. No, they have cost TOO MUCH!

Yes, I could make a case for bankers on every tree limb, so long as you had a congress person on the other side for balance. And, I think we have enough trees for some CEO's that need BILLIONS, that shareholders should have had.

No, not EVERY banker, congressman, or CEO. Not even every oil driller.

But, we need to START somewhere.

To stop computer trades will cause more bleeding. Yes, within that I want to include something else. Banking institutions, will be limited to banking, ie deposits, and loans. They will have to divest, and thier holdings sold, will force prices down some. BUT, THEN , the market WILL RECOVER! But a market bottom, is just the time to implement this.

Bleed to death, or fix it. If not for your blood, what about that of your kids, or your grandkids.

This country has a history, of shedding BLOOD, for the people of the FUTURE. And, it is based on GOOD ideas, of those who founded those concepts.

It is NOT based on the ideas of people who see a way AROUND the system.

Ok, times change, and I am all for it. These very ideas, are the things that have made this country GREAT! But, these new ideas, seem not to be for the future of ALL generations, but for the future of a few, for here and now.

I guess, time will tell. One thing I do know. There is no new AMERICA to run too this time. My best suggestion, in this time, is to FIX, the one we have.

As for me, well, I do have an exit plan, because I have so very little faith in what we have become. I, like our forefathers, have turned over, once too many times, in my not yet grave.

And, the fortunate few of you, probably will too.

What will the rest of you do?

America,, home of the best crooks?

I can't think of a better reason to leave!

And, who is to blame? Our inventive nature? Yes, but, let's not forget WE EDUCATED, the best CROOKS in the world.

Ok, we also educated the best medical minds, and many others.

Hey, it is a BIG PROBLEM, and my tiny mind can's solve ALL of it. But, my TINY MIND, came come up with ONE good idea.

Start SOMEWHERE.

It would not hurt my feelings if we impeached our socialist president either. While we are on the topics of history, one other thing comes to mind. Socialism, just does not work. Anyone with a spare tree limb? You probably need room for a BIG audience.

Dunderdunces.

The market is for INDIVIDUAL INVESTORS.

Get banks and investments houses out. COMPLETELY. Ok, create a place, for just them, but keep THEM from messing up the REST of the market.

STOP the computerized trade. Or, send it off to play where banks and investment houses play.

Stop short selling. Send it to the same place as banks and investment houses play.

Insurance is banking and investment houses.

How many times do you have to be hit in the head with a hammer before you want to admit it hurts?

Divest them of the rest of the market!

Return the market to INDIVIDUAL INVESTORS.

Or quit complaining when you lose you million(s).

If you think this 1000 point drop in the DOW was not a well planned out strategy, you may be, the biggest IDIOT on Wall Street.

Get rid of the problem children! Start with Goldman Sach's. Take JP Morgan, B of A, Citigroup, AIG, and a host of smaller banks (Globally), and give them toys (each other), that do not impact others. Stop them from RAPING the masses.

Duh? Now that took a lot of thought huh?

Today, I had to admire his statements to his stockholders, and his SLAM-DUNK, on the government policy of bailouts, and business MIS-MANAGEMENT.

I bow before you sir!

You may get done, what has needed doing for a very long time. Yes, it may take a man of your wisdom and finacial saavy.

And, yes, thank you once again, for tossing several BILLION into saving a monetary system, not worth saving, knowing it was a LOST CAUSE. Yes, you had it to spare, and underneath it all, you KNEW. IT was NOT the crooked system that was worth saving, as we all KNOW (and you did too), but the EVERY DAY JOE, that needed saving. Well, you Tried, and BULLY FOR YOU! We ALL THANK YOU!

And, I admired when you ate crow too. Hey, it is nobody's favorite dish, but I have had a helping of it too, as most of us have. I have made mistakes, by the bushel, by the car-load, by the truck-load, by the ship-load, and maybe bigger. And, you admitted a few. NetJet, is pocket change for you. It is a luxury, you should allow yourself, if it interest you. You EARNED it.

Well, I am only less than half of a percent of Warren Buffet. I admire the man. Maybe I should make some retractions too.

I have been a fan of TNH, because it has been a reliable dividend and market growth company.
As I understand it, it is merging(?) with Yarra. Merging, with getting Yarra stock? NO, that is an aqcuistion. With another little known company.

My faith is NOT high here. It was a slap in the face for no dividend, when they have been sooooo, reliable. There is a problem, and the economic downturn, is a poor description for it.

Either TNH has lost it's edge, or the CEO is a gutless wonder. Maybe BOTH.

So, with LIMITED kinowledge of how to proceed, I am going to offer ALTERNATIVES,

Let the trade go forward. See what happens. Divest 50% off the top.

Reinvest in DO, BP, and CMI. The dividends are some of the best, not in percentages, but in reliabilty. You are likely to get stock price appreciation there too. I also like BHP, on downturns

Do NOT reinvest for short term gains. You may or may not get them. Buy, and hold, just like you did with TNH. It paid then, and these are likely to too.

I have not made my mind up on Yarra yet. I do not have enough info.

Like Warren Buffet said, I make conservative investments, but good ones. I don't count on bailouts. I don't even want GOVERNMENT handouts,,, for the undeserving.

And yes, I want not only the individuals punished, for the crimes against the people, but I want the COMPANIES, to pay a HUGE price,,, to the people they have RAPED.

But, we cannot undo the past. We can only make prudent plans,, for the future.

A good plan for the FUTURE,,, would be to get rid of a few of the past RAPIST though.

Thank you Warren Buffet!