By reading the Wall Street Journal, and doing the opposite 75% of the time. Watching CNBC and doing the opposite 75% of the time. By listening to James Cramer and doing the opposite 100% of the time!

First of all you ABSOLUTELY cannot be so lazy to neglect to study and teach YOURSELF, how to manage your own money.
Only a fool lets someone else take care of their money. If you loose your shirt, you deserve what you get. Don't let someone else manage your money so you can have someone else to blame. It is YOUR fault for your own foolishness and you MUST take the responsibility for your decision to let someone else take care of your success!

Remember, the person who manages your money doesn't care if you lose your money. After all he/she gets paid out of your cash either way. You lose money, he gets paid, you make money, he gets paid more. Therefore, you are better off taking care of your own business yourself. So the first lesson is "`overcome your lazy nature', and stop thinking `someone else is going to help you get wealthy'!"

Once you've figured that out you must study and learn and "take your own risks." I would wager after you educate yourself, you couldn't do any worse than some over-educated, under-achiever, at throwing your money away, and you might even do just as well and even better, and make your bogus mutual fund manager actually go out and create value rather than spend their time looking for more suckers who thinks he knows something you don't!

Learn how to save money. You do this by creating value, earning money, living below your means and `stop being a gluttonous sloth' who thinks every hungry desire must be fulfilled. Learn to `PAY YOURSELF FIRST.'
Do not get into debt. I have never known a truly balanced wealthy person who rationalized `BORROWING their way to wealth.'

If you are foolishly in debt...

1. Pay off your credit card balances every month completely if you can. If you are not able to at this time, every month PAY EXTRA ON THE PRINCIPAL until you are free and clear of the balance. Then if you still want to keep your credit cards, use then wisely and pay it off every month. Start living your life on a `pay as you go' basis. If you have the money, purchase what you can afford. If you can not afford it `DON'T BUY IT.' Overcome your own greed and the desire to display self-importance.

When there is a sale that can save you money, save even more by `NOT BUYING', especially when it is just junk you really do not need to stay alive, be happy or healthy.
If it is something you need or want then `haggle' for the bargain. If your price isn't met. Learn to `LET IT GO'. After all, if the bargain store or car lot really wants CASH FLOW, they will either MEET YOUR PRICE AND `TAKE YOUR CASH' at the value and bargain YOU place on their product, or be stuck with junk products and NO MONEY, which is what they really DO NOT WANT. They will give YOU the bargain and make it up out of the hide of some other foolish sucker whose ego they can manipulate. You must NOT let your desires control you OR THEY WILL contribute to your own poverty and unhappiness.

2. Get out of ALL debt as SOON AS POSSIBLE. Pay off house, land, car and credit cards. Get rid of ALL junk you don't need and "GET THE CASH."

3.`You cannot save your way to wealth, you RISK your way to wealth,' but you must apply `common sense and wisdom', something few have these days and you must overcome the desire to be lazy.

More on this another time.

Now for the `reasons why'?

The commodity: U.S.Dollar. Made a killing Shorting the Dollar. Look where it's at now!!! 92. NOW 85!!!

How high can it go? Especially with most Americans so staggeringly in debt. Of course except for maybe the Vietnamese Americans, Korean Americans, and those folks who have lived through the Great Depression. Why do these folks seem to always `have cash' or access to it quickly without going into debt?

Let's dispell the opportunity that is given to refugees that is NOT given to American citizens themselves, because even if that opportunity was NOT given to them, they would still know how to LIVE BELOW THEIR MEANS, WORK, CREATE REAL EARNED VALUES, EARN AND SAVE MONEY!

The Depression era people and the children they raised LEARNED know how to save money, live below their means, pay CASH for used cars instead of FINANCING new ones and know how to shop for VALUE, rather than just spending money because they have it. They have money, because they know how NOT to spend it and they do NOT let it slip through their fingers by foolishly purchasing things they don't need, and they SAVE THEIR CASH for `wealth building and wise investment.' Not always `secure and safe', but they RISK WISELY, AFTER they have paid their bills, bought food, saved, then with the extra, THAT is `risk' capital. After all their debt is clear and savings are secure, THAT RISK is what makes them wealthy, but it is money they can AFFORD to lose. America is risking with money they CANNOT afford to lose!

A mutual fund is NOT savings, it is `risk capital'! You have forgotten to pay bills, be debt free and SAVE, BEFORE spending on `risk'!
Every time you consider spending a dime, you must ask yourself, "Is this a wise investment? Am I purchasing VALUE? Can I live without this and `can this make me money or should I save the cash'?"

Remember this one thing if nothing else in your lives.

So how high can the U.S. Dollar go?

It's possible to go higher you think? 130, 140 even 150? What about 170, or 200? Could it all be an illusion?

As you can plainly see it is the Euro Currency that is at 130. BUY the Euro, SELL the US Dollar.
MIGHT AS WELL MAKE MONEY SHORTING A DOG!!
Could it be that it is not that the dollar is strong, but that all of the other currencies are weak in comparison, and is it logical that other weak economies make the dollar strong or is it rather that `the dollar is weak, but not as weak as others?' Thereby giving the illusion it is strong?

Can the US have a bull market as long as the Roman Empire?... and when will it fall? Just like everything else that is born, the US, as a natural consequence goes through the cycle of formation, continuation, decline and death. Do you think the US Dollar is outside this law of nature?

Nevertheless it is our contention that at this time the US Dollar is ripe for `shorting'. You SELL a USD futures contract (the furthest out contract within common sense.) ie. Sell December 2002 USD. Hopefully you have the `staying power' to ride out the few fluctuation there will be, or buy a `put' option.

As a result, if your risk capital is limited and you need to learn more, purchase a `put' option with a stricly limited risk. For example, buy a `PUT' option on the USD for March or June of 2003 with a strike price of 92. (WE ALREADY MADE OUR MONEY ON THIS ONE. It's now Jan 2005!! If your right-you make money, and can exercise that option to a full futures contract if you think the dollar will keep sinking to a `mean' level with other currencies. If you do not want to exercise the option, let it ride a bit and then dump it for your profit before the expiration date, which will be a month before the contract date. If you are in error, you are merely risking the premium you paid for the option. Then you purchase another `put' option further out. Why? Because as sure as the sun will rise tommorrow, the USD is going to drop, we just don't know exactly WHEN OR HOW MUCH, so we prepare ourselves by having these `put' options, which will more than pay for themselves when the `big dive' happens. It's finally `tanking'.!!!
`Buy' the EURU futures, and/ or buy a `call' option. Made another killing going LONG. It's 114. Long from 80. The same with the Japanese Yen. Buy the contract, and/or buy a `call' option. As these currencies go up in value and strength you may see that the USD will go down. These currenceies have inverse relationships.
For the Euro `call' option and Yen `call' option, watch those strike prices. Look at the contract month's charts.

Right now as of April 1, 2003 you may even want to watch and wait a bit, meaning, wait til the first week of September and them buy a March USD `put'. It's going lower again & more!!! By then the USD will have gone to whatever heights it will reach (IMHO). The USD may rise a bit to lure more suckers into borrowing money and dumping it into mutual funds and the stock market. Today Jan 2005. What did I tell you!!!
After the suckers are hooked, the USD could drop from 122 to 109 and even go as low as 95 in several months, and that will be some serious profit for those who risk wisely.

Many people know sooner ot later the bill collector will be knocking at the door repossessing houses and cars. It has to happen because there is no such thing as something for nothing and the US people are duped into thinking there is. Soon they will have their rude awakening.

You must be preparing for this and become DEBT FREE.

Watch those `flammable' PAPER ASSETS, INVEST IN AND PURCHASE `HARD ASSETS' and CASH. EVEN CASH IN OTHER CURRENCIES AS AN `EXTRA'! For Example: $ 10,000.00 in Swiss Francs and $ 10,000.00 in German Marks (CASH or Bank Account).

Prepare to take advantage of the low commodities prices. Study the market and read the charts. This valuable information effects you in your everyday living and everyone around the world. DON'T BE OBLIVIOUS OF THAT FACT.
Wisely risking the buys in Coffee, Wheat, Soybeans, Corn and staying aware as the drops in the DOW and the eventual `splatting' on the pavement of the NASDAQ. along with the eventual squash of real estate CONTINUES TO DISGUISE ITSELF AS `TEMPORARY.'

Pay off your real estate NOW. DO NOT REFINANCE, and if you owe too much on it, GET OUT OF IT QUICKLY. If you can make a little profit, TAKE THE MONEY AND RUN. Wait till prices drop then replace your property!

DO NOT buy when INTEREST RATES are down, buy when PRICES are down!

Do NOT purchase energies and lumber which has risen to its mean of about $325. But watch them if these commodities interest you.
You want to:

BUY WHAT NO ONE WANTS, and SELL WHEN THEY ALL WANT IT.

(Which is when the price is too expensive and no longer a bargain! Even though they think it is.)

Right now you want to be buying GOLD & SILVER. Both in physical form, futures contracts and call options.
You should NOT WANT anything on the NYSE. If anything you should be asking:

"WHAT IS RIPE for SELLING?"

There is a temporary `Bull', watch and wait to-- Sell the indices. Sell the DOW all the way down to 4.000. Then get out and stay out. Unless, you are secure enough to risk and ride it down even lower to about 2800, But watch the illusions in between making you think the `bull' is making a comeback and wants to stop loss you out. This process could take between 5 to 10 years, but it could be an extremely profitable time in your life if you stay aware and THINK, DECIDE, INVEST AND RISK FOR YOURSELF!

ACCEPT RESPONSIBILITY FOR YOUR OWN SUCCESS OR FAILURE! Once you do that SUCCESS becomes closer to your grasp.

See what everyone else is doing and consider doing the OPPOSITE of the crowd. Watch that timing though!

THE BULL IS OVER.There isn't going to be ANY comeback. That is only in RARE CASE SUCCESS STORIES and on TV. On TV a dead actor is merely backstage having a coffee break or out looking for more work. In real life `dead is dead'. Stop believing the `hype'. Stop chasing `the illusion'.

"Buy the rumor and sell the fact." (Something you've all heard.)

Well, I say, besides that awareness,you want to

"Sell the Illusion and Buy the fact."

Sell the NASDAQ all the way down to 800. Same strategy. Watch those temporary fluctuations. Know how to take your profits and run and stay OUT of the markets and watch and wait. Don't feel the need to ALWAYS HAVE A POSITION.
It's over for the techs. Yes, many will still be around. Some will continue to create value and earn profits, but they will not be at the valuations that were past. That was just a `play around game, and we'll see what happens', thing.
NOT true value creating. Merely an illusion of wealth.

Your garbage company created more value than all this hype we were wrapped up in, and your garbage man is probably still in business. Not your internet IPO fraudsters, even with all their trickery and support of idiot bankers and the stock exchange.

The internet is HERE TO STAY. AND you can make money with it. BUT, it is not as sure a thing as your local grocery store where everyone buys food, your local shoe repair shop or liquor store. You can live without the internet and what it offers, but you can't live without toilet paper!

PT Kalbe Farma-A drug company in Indonesia. Amidst the country's up's and downs, this company still stands and can only keep going UP. After all do you want the drug companies who make and supply you with all the drugs human being take to go out of business? NO! "We want our drugs!" Especially our aspirin for all the headaches and pain of seeing our money drift away on the NYSE and NASD. "More aspirin and more powerful pain killers."

+ note:

Retailers are presently lobbying to be allowed to import generic drugs directly from overseas pharmaceutical companies.
U.S. drug companies are fighting it. This fight will cost them millions. result: wasted capital, lower stock prices. In turn if they lose the lobby. Their only alternative to `competition' is to start looking right now for pharmaceutical companies to BUY. Thereby eliminating their competition by owning the competition. PT Kalbe is ripe for this move AND it gives the U.S. a reason to `legitimately' interfere in Indonesian government and politics AND business. Which may actually be a benefit for them and the U.S. BUY this and accumulate for long term.

URIX-US producer of Uranium. So the US has Lazy Lobbiest telling you how to live your life, therefore the US has extreme restrictions on nuclear power. Well, about 90% of the rest of the world runs on nuclear power and that seriously includes production of NEW nuclear power plants in China, Japan, India and other world population spots. These power plants will need uranium. Still potential here. Watch & wait! We liquidated this one, but this precious metal could make a comeback!!

Nutrition 21 Inc.-Was AMBI, Inc.-They advertise on Shop at Home network (or is it QVC?) selling `Lite Bites' and their special health care line for health and fittness and nutrition. Besides bombarding the UK with their revolutionary, amazingly new, practical and inventive product, these nutritional supplements and energy bars "ACTUALLY WORK', and are proving quite profitable for the company. It's not just another junk product someone created. Good value for a product and company with a potentially longer life then most health and fitness product companies and serious financial backing. This one needs to go away for now. Watch and wait!

New Zealand Oil & Gas-Major producer, not only for New Zealand, but right next to Australia, Indonesia, Japan and those close countries in the far east nearby for selling, shipping and making available oil and gas. With shipping costs low because of the proximity it creates jobs and industry with its potential for more piping. Since it is rather centrally located, kind of like Texas. Price is cheap if you have a well in your back yard. The further away you are the more shipping costs will be. With the rise in crude. This one took off like a rocket. We took our profits!

Opal-They produce an outstanding soil nutrient which has proven itself quite versatile on mainland China. Major investors out of Hong Kong are serious in this company. The Chinese will thrive once they can put to use their land with an exceptional miracle fertilizer such as what Opal produces and once China can feed it's people and have extra to export, they will even be more of a world power to contend with competitively. The Chinese in Hong Kong are serious investors in this company and product which cannot be manufactured quick enough to supply the needs of the mainland Chinese farmers.

This was a profitable trade. Liquidate and watch for other Military technology. Paravant-Makes heavy duty computer equipment and is ripe with innovations. They don't just make computers. Their electronics have to withstand extreme heat and cold, as in `outer space', deep sea applications by submarines and research vessels. The have to withstand extreme air and sea pressure. Withstand dust, as in useage in tanks and military weaponry like those used in Desert Storm. These electronics have to be more than just `child proof'. They must be created to be practically intentionally and unintentionally indestructable from damage. Now you ask, what if the military budget gets cut? Well, it could very well be that the US may fabricate an enemy or find a reason to get into a war, to steal from someone else just to appease the American people and `legitimately' steal for them cheap oil and gas, But if that doesn't happen and the budget is cut, it will be handled like this.....

A kid gets $40.00 a month allowance.
He just bought a car and asks his dad for a raise in his allowance because it is expensive having a car and gas and insurance.
The dad firmly says, "No! Out of the question.Besides your mother wouldn't approve and you don't help her enough, son, as much as I would like to do it."
Son says, "But Dad, she won't have to know!"
Dad says, "Let me think about it,son."
Dad returns and says, "Son, I've decided to cut your allowance. Your mother has requested it." "So, son, instead, I will take away your allowance of $40.00 per month but for your helping out around the house I will pay your insurance for a Year."
Son doesn't like it but thinks about it later.
His allowance was $480.00 per year. He was hoping it would raise to $50.00 a month. But instead he loses his allowance completely, but gets his car insurance paid for a year in advance. His car insurance cost $900.00 per year.
He has had his allowance cut to zero, but got his car insuance paid.
Moral of story, he can tell all his friends he no longer gets an allowance and is broke. But in reality he got a $420.00 RAISE in his allowance. Raising his pay from $480.00 per year to $900.00 per year which is almost a 100 % increase in his allowance. Much more than the paltry $10.00 per month he was going to ask for.

SO WHAT? YOU ASK?

That's how your government is going to handle any cuts in the military defense budget!!! So PARAVANT is not only still in business but prospering and charging more and making more and you are none the wiser, because it will produce better, more heavy duty computer equipment and innovations which will eventually benefit our lives on a down to earth daily basis in our homes and industries. Not just in space, underwater, but also wars which kill people we can so proudly call, "conflicts." Makes it sound like a pillow fight or domestic squabble, eh?

Sedna Geotech-They lease Oil drilling and exploration equipment. Well, with the shortage and consuption of oil, it has now become profitable for companies to do more drilling and exploration. Dump this one. Put cash elsewhere.

On the other side, there is much more research into "fuel cells" and "solar energy" as well as alternative sources of energy. A particular item to watch is COAL. And how is coal transported?? Railroad. As in RAIL:NASDAQ

Our advisors and researchers are reviewing companies and stock in these areas and will advise as information becomes available or recommendations prove adequate for mention.

OroPeru-Canadian mining company that owns a vast amount of proven Gold reserves in Peru. Once the governments and banks are stung by their action for selling gold and forward leasing and their `bubble' bursts,

Oroperu...

Watch--- Canadian Forest products...CA:CFP

Nexia Biotech---DE:602274, Bema Gold-BGO, STUOF-Natural Gas,

will have proven to be a wise and strategic investment, Even moreso if major gold companies like Barrick or Homestead mining buys them out. Right now, the price of gold, and silver is kept artificially low and it cost more to mine and produce than the actual market place is demanding, but this will soon end and the American society will do what most other countries have always done, and that is `flock to the real value'..the hard assets of debt-free land ownership,...Gold & Silver and the commodities that people really need to feed themselves and stay alive, do business and continue to have a universal, identifiable medium of exchange.