My recent survey produced a variety of ideas, but most of them had these common elements: replace the Internal Revenue Code with a simpler model, encourage businesses to increase employment, and insist upon tort reform everywhere.

It also brought two disturbing realities into focus: We are painfully apathetic (less than 1% of the people I contacted took the time to respond) and, although we have great problem-solving ideas, few to none of them are included in any of the reforms being considered by congress.

For those who participated, thank you again. I hope that you will appreciate how I’ve synthesized your thoughts and suggestions into the commentary. I also hope that you will find the time to address some of these issues more aggressively with blogs, networks, and elected officials.

Major changes are being proposed in six inter-related areas. All the dots cannot be connected in one article. Government revenue is cut in this article and the next without a hint about a replacement plan. I’ll get to that later, and painlessly for all of us.

So how do we create more jobs?

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Perhaps the first step in creating more jobs is to take a giant step backwards and define what a job is. In the simplest of terms, your job is the principal moneymaking activity in your life.

The more qualifications and skills you have (physical, technical, intellectual, etc.) the more valuable you are to employers, customers, and clients. Thus, more practical, job specific, education becomes a vital part of the jobs picture.

For the self-employed, the amount of effort expended, marketing skills, and the product or service itself is as important as the qualifications. But the objective of the job, the career, and the company, is to make money.

Government jobs are of a service, regulatory, and social problem solving nature— unquestionably necessary, but the primary motive is not to create personal wealth or economic gain, hence the thousand-dollar toilet seat scenario. These jobs are paid for by taxes collected from all employed people— except our friends in the “underground economy”, who pay virtually no taxes at all.

The more government jobs, the more taxation; the more government regulation, the more need for cost analysis of the regulations spewed forth. Consumers ultimately pay all of the costs of compliance, everywhere.

Most self-employed people start off working for others; large or small really doesn’t matter. What matters is that employers hire these people to make the enterprise more productive, safer, more efficient, and more profitable.

In theory, employees must contribute to profitability, and each is compensated based on his or her contribution, as determined by the owners of the enterprise. In larger organizations self-serving executives are able to pillage the profits of the enterprise, to the detriment of both owners and employees.

Employee benefit programs (health & dental insurance, pension & savings programs, investment education plans) were originally implemented to attract and retain the best employees.

Today, employers are reluctant to create jobs because the mandated non-productive “overhead” associated with each worker adds significantly to the cost of running the business— worker’s compensation, unemployment insurance, OSHA compliance, liability insurance, social security contributions, minimum wage/union pay scales, etc.

No job deserves to exist economically if it doesn’t add to the profitability of the business. The more costs per employee, the fewer jobs get created. So how do we create more jobs in this environment?

Corporate Income and Nuisance Taxes.

Politicians have succeeded in demonizing the large corporation by exploiting the greed of obscenely overpaid executives and employees, while ignoring their own complicity in the conflicts of interest and lobbyist graft that steer the legislation they produce.

What Congress, a long line of Presidents, and much of the population have lost sight of is the fact that even the dirtier businesses are job providers. They must be pampered, not pummeled; supervised and reined in but not tethered and broken.

Business income taxes are 100% inflationary; costs associated with employees (yes, even the minimum wage, which some suggest is the cause of our illegal alien problems) result in fewer employees hired. Period. Capitalism is not broken— its success formula has been compromised.

Repealing the corporate income tax, and prohibiting any and all levies, fees, charges, and taxes on any form of business could instantly produce millions of job openings, lower prices, and create new business opportunities throughout the economy.

Repealing business income taxes would instantly make export products more competitive in world markets, as businesses reduce prices while maintaining profit margins. Greater profits should translate into growth in economic activity.

Finally, the elimination of these taxes would make all businesses run more effectively because there would be no need to spend money (or create losing transactions) just to cut the tax bill.

Government Programs:

Tax dollars can create jobs when they are used to: protect consumers and businesses from fraudulent and disruptive forces, fund infrastructure repairs and improvements, protect shareholders from greedy officers and directors, provide free education to the most talented students in all fields, and provide seed capital for new public interest development projects.

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Still looking for your ideas on: growing consumer spending, lowering health care costs, helping the environment, reducing the size of government, and producing a fairer tax environment.

Steve Selengut
sanserve (at) aol.com

College costs increase at about twice the inflation rate. Current increases have averaged 5% to 8%.

It is no secret that college tuition and expenses have been on a steady rise for many years. This has many families worried that they will not be able to afford to send their kids to college. Many even shy away from encouraging their children to dream of a college education. Trade skills are almost being forced on the younger generation. The daunting and staggering college costs are changing the way that we raise our kids.

Imagine if you were told not to dream. What if you told your parents that you wanted to be a doctor and they just had to turn you down? What does this do to the self esteem of a young child? Many families, college educated or not, struggle to keep up with housing costs and the cost of living in general. Saving for college simply is not in the cards for a lot more families than many would like to believe. What does this mean for the future of our country?

We are trending towards generation after generation of minimum wage and poverty level workers. What happens then? They can not afford college for their children and so the cycle continues. If you have been worried about affording college for your children, then there are some things that you should realize.

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So, you are wondering if college is really worth the cost. Consider college an investment. Not only is college an investment in your child’s self esteem and job satisfaction, but it is also an investment in your family and country. College graduates earn an average of sixty percent more than their peers. This makes an earning difference of almost one million dollars over a lifetime. With all of the college grants, financial aid, student and parent loans, there is almost no excuse for denying your child this investment in their future.

You may have to make short-term sacrifices to afford loan payments, but it should be well worth the effort. Students can defer payments until after they graduate. There are even payment plans that are income based, which means that your child will not have to pay more than they can afford as they get older. If you are worried about being responsible for hefty loan payments between times of employment, do not worry too much. Most student loans have deferment periods that can put your payments on hold until you are employed again. The government and loan companies have all sorts of special benefits and payment breaks for student loans.

The government does want our children to be able to afford college. We need professionals in our society to function. This does not mean that the rich are the only ones able to get educated and continue to be rich. Many loans are income based and your child can get just about as much help as they need. If they do not get as much as you need for actual college costs, then there are parent PLUS loans and private student loans to consider. These are available on top of Federal Student Loans, scholarships and financial aid. Do not stifle your child’s dreams. Encourage them to make a better life for themselves as well as their children and grandchildren. Choosing to go to college can affect many generations to come and, yes, our families’ futures are worth the cost.

If you find yourself complaining too regularly about ‘pressure on your time’, it may be the moment to step back and try to interpret this repeated signal that seems to be flashing up an alarm. Usually just means time is controlling you.

The popular phrase ‘not enough hours in the day’ is a particular giveaway. You definitely need reminding that all hours aren’t equal. They vary widely in their effectiveness – so much so, that time management has become a formal study, keenly encouraged in corporate life. One half of time management is just ordinary good housekeeping. You look around the office and find a lot of ways you can achieve small-time savings. The coffee-machine could be closer to where most people sit, allowing shorter journeys.

Those big files could do with a bit of sorting out, to speed up the routine paperwork. Maybe put up a notice discouraging long phone calls, etc. No doubt this all adds up.

But the other half of time management focuses right in on the dynamics of time itself. And under analysis, you find that there are two completely distinct kinds of working time, which literally fight.

One of them is control time, where you control the duration of the job. The other is response time, where you react to interruptions which control you. Let’s take a typical example of control time and response time in conflict.

Two managers are working separately on a major report, which requires concentration, but are also having to allow time for dialogue with the rest of the department.

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One of the managers Jerry puts in half-an-hour on the report, then his concentration slips, so he takes a break by ‘doing the rounds’. Someone needs a problem sorted, which unexpectedly takes half-an-hour. So it’s at least an hour before he is back at his desk. Ten minutes later, the boss rings to fix a meeting for sometime that day. “How about now?” he answers.

The other manager Michelle, faces the same situation, but handles it differently. She rings one of her department, to say she’ll be doing the rounds in half-an-hour, knowing that she’ll need a break by then. During her tour, one team-member has a problem that needs fixing. “Come and see me in half-an-hour, when I’ll be ready for another break” she says. They duly fix the problem, which also takes half-an-hour.

Ten minutes later, the boss rings her too, to fix a meeting for today. “How about half-an-hour’s time?” she says, and returns to another focused session on her report.

The difference is that Jerry has only spent the first half-hour in control time, while Michelle has managed to arrange three half-hour sessions in control time.

So ‘not enough hours in the day’ usually just means that your time is controlling you, rather than the other way about. In fact, experience shows that your time will automatically try to control you, unless you actively prevent it.

In other words, time management has a lot to do with showing time who’s boss. Key points in Managing your time. Not enough hours in the day’ often signals, 1. Poor time management. 2. Distinguish between the time you control, and the time that controls you. 3. Good time management is increasingly at the heart of enterprise culture.

You establish your credibility primarily through demonstrating your with agreements with yourself and others

A good gauge of your ability to keep your agreements is how many times you are late for work or for meeting. Being consistently late is feedback that your time is not “your” time at al, but belongs instead to a constant stream of interruptions and unnecessary delays.

Arriving on time begins with leaving on time. Make leaving on time a priority, a personal challenge. Make a commitment to yourself that being on time is your number one priority. Making excuses for why it wasn’t “your fault” won’t get you there earlier next time. In fact, excuses are an attempt to put a stamp of approval on failure. Chronic lateness is not caused by any one event. It is a symptom of how your entire life is working in terms of your ability to plan your time and work your plan. If you want to master time, master the following strategies and I guarantee you will arrive on time every time.

1. Don’t make getting ready the last thing before leaving. Proper preparation begins with proper planning. If getting ready is the last thing you do before leaving the house, rest assured you will leave late as often as not.

2. Keep losing your keys? Common sense would ask how many times car keys have to be lost before it becomes obvious that a systems approach is needed for keeping track of those elusive little rascals. Although systems approaches may be a part of your everyday business or career life, few people have employed the power of systems, even simple ones to their personal lives.

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The lost key syndrome is easily overcome if your keys are easily locatable every time you need them. Here’s how to ensure it. Put a bowl, try or decorative object on a table as close as possible to the door you normally enter and where you wil automatically see it. It’s so simple, yet so effective – no more lost keys.

3. House keys normally come with a “set” of keys – one for each door. Any multiple lock set up requires multiple keys and an excessive amount of labeling and duplication. What a potential waste of time and effort! Call a locksmith and have all the locks in your home changed to the same key. The doorknobs and locks don’t have to replaced only the internal lock mechanisms. Then one key fits all no matter which door you use.

4. One person in a relationship is often better at time management than the other. Don’t allow the difference to create a conflict if you are standing by the door ready to leave and your wife or husband, for example is not ready. It is better to deal unemotionally with the lateness of the person who is not ready. Remember you always have choice. You can leave on time and arrive on time without the other person. Or you can wait calmly until the other person is ready and go together. Effective time management can only be practiced on yourself. Demanding that others would do the same just wont work.

5. When you get angry in traffic its because you are late or about to be late and you feel stressed. As much as you want it to be, it is not the fault of the thousand drivers who are blocking the road in front of you. And getting angry is not going to get you there on time. I mentally made the decision a long time ago to change my habit of getting angry in traffic, I began to add the 15 minute “fudge factor” and started leaving on time. Soon the process became a habit and today, those around me are willing to bet that I will be on time – every time. Staying in control of your life requires emotional balance.

Any time you lose it and get angry, you have passed control to someone or something else. I no longer get angry – not in traffic. It’s simply a choice.

From now on, make it a priority to be on time, every time.

Oil prices have risen to a record high above $98 a barrel, amid concerns over tight fuel stocks, a weak dollar, bombings in Afghanistan and an attack on a Yemeni oil pipeline. Oil prices soared nearly $2 a barrel Tuesday on expectations of further declines in crude oil stocks, fueling concerns that supplies may be inadequate heading into winter. The market remains bullish and seems to be on an upward trend to hit the psychologically important $100 level.

Unfortunately, this year it looks like we’re not going to be able to count on a nice drop in gasoline prices. With crude oil futures threatening to touch $100 a barrel, gas prices jumped. So, fuel economy is paramount. Here are tactics to help you get the most miles per gallon from your vehicle and save money, too.

No matter what you do, increased gasoline prices are going to affect you in some way. While the price increase may hurt some more than others, the fact remains that we’re all going to have to become accustomed to the fact that the days of cheap gas (and energy in general) are in the rear view mirror.

Regular oil changes and tune-ups cost money and can take a big chunk out of your Saturday. But repairing a car that has failed an emissions test will improve its gas mileage by an average of 4 percent. And fixing a serious maintenance problem, such as a faulty oxygen sensor, can improve mileage by as much as 40 percent. Even a simple change like replacing a clogged air filter can improve gas mileage by up to 10 percent.

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Inflate tires. Properly inflate your tires according to instructions in your vehicle owner’s manual. Under inflated tires can lower gas mileage by 0.4 percent for every pounds drop in pressure of all four tires. Get oil changes every three to four months You can improve your gas mileage by 1 to 2 percent by using your manufacturer’s recommended grade of motor oil.

Avoid idling. Sitting in your car with the engine running wastes gas without getting you anywhere. Telecommute, stagger work hours, carpool, or otherwise try to avoid sitting in rush-hour traffic.

Drive smoothly. Speeding up and then braking can lower gas mileage by 33 percent at highway speeds and 5 percent around town. Using cruise control on the highway can help your vehicle consume gas more efficiently.

Don’t race. It’s safer and less expensive to obey the speed limit. Gas mileage decreases rapidly above 60 mph, typically costing you an extra 20 cents per gallon of gas for each 5 mph over 60 mph.

Lose weight. An extra 100 pounds in your vehicle could reduce your miles per gallon by up to 2 percent, with smaller vehicles being affected more than larger ones. Also, avoid carrying items on the car’s roof, which can increase drag and further reduce fuel efficiency by 5 percent.

Now that you are armed with some pretty easy and simple ways to save gas and maximize your vehicle’s gas mileage.

Clients often ask me, “Why do I need a will?” Many people share common misconceptions — that only the wealthiest need a will, or that the process of making one is complicated or costly. What I have learned through the years is that everyone needs a will and that it is far more costly to avoid making one.

Without a will, you leave important decisions to someone else to make after your death. Make a Will now for real peace of mind. I have noticed that people generally manage their lives quite well but leave things in an utter mess when they die.

A will lets you specify how your assets will be distributed and how taxes, if any, will be paid. You can select whomever you wish to administer your affairs. Without such a plan, your state of residence determines who receives your assets and how the taxes will be paid. The courts may become actively involved in administering your affairs, and they may award property to relatives you would never include, but overlook friends or charities you want to remember.

It is a strange fact that around 70% of people have not made a Will, but the consequences of dying without one can be serious. Everyone urgently needs a Will; If you don’t make a Will you die intestate, which means that everything you own is distributed under rules laid down by law irrespective of the wishes of your family.

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Without a Will, your wishes are ignored and you cannot control who will inherit your property after your death. Most people know they need a Will but simply ‘haven’t got around to it yet’!

It’s not something that anyone likes to think about, but deciding what happens to your estate when you die is crucially important for ensuring that your loved ones are looked after when you’re gone and that your assets are distributed as you would have wished.

Another important point to bear in mind is that if you don’t have a will, you won’t have a named executor to carry out the administration of your estate and the responsibility will fall upon your beneficiaries, whom you may deem unsuitable to handle your affairs.

Making a will has other advantages too – planning your estate and who will inherit may help you to minimize the impact of the inheritance tax laws.

The big question for many people is whether it’s necessary to employ a solicitor to set up a will. The answer is no, but it is certainly recommended, particularly if your estate and personal circumstances are rather complex. It’s also easy to make seemingly simple mistakes which could end up having significant consequences.

Also think about who you want to appoint as executor of your estate and who you want to look after your children should you die before they reach the age of 18.

You should certainly consider using a solicitor if you have complicated personal circumstances, for example if you live with someone who isn’t your spouse or civil partner, if you have a dependant who is unable to look after themselves.

It’s not possible to write alterations onto an existing will. Instead you must either write or draw up what’s known as a ‘codicil’ or draw up a new will entirely new will entirely. A codicil is like an addendum to your will. It doesn’t replace the original will, but makes alterations to one or more of the sections. When you draw up your new will, you should insert a clause at the beginning to explain that this new will revoke all previous wills and you must destroy it yourself too, otherwise it may still be considered valid.

What should be in your will? In addition to identifying who will manage your affairs, you can allocate your assets through bequests to give a fixed dollar amount, a specific asset, or a percentage of your estate to your beneficiaries. You can make outright gifts, gifts in trust for children or grandchildren, and gifts to charities.

If you do not have a will in place, I recommend that you make one — sooner rather than later. I think you will find that it’s worth the peace of mind.

Personally, I’ve never had much respect for the stock market. In fact, on some days, the news of the stock markets are the chief source of amusement that I and some colleagues of mine have. I hardly ever pay any attention to the Stock Indexes except when I am feeling bored. When I feel the need for some light relief, some of us open the day’s live Dow Jones graph on finance, point it out to each other and laugh heartily, as if it were some great joke. We never feel there’s anything strange about this behaviour except when we end up doing this in front of a visitor who, in turn, starts looking at us as if there is something strange about our behavior.

Now I know this sounds heretical coming from someone whose vocation appears to be linked to the stock market, but I really do feel that there is something funny about the daily curve of the stock market graph. Or more precisely, about the deep meaning that so many people are trying to derive from it.

Am I saying that the stock market is a meaningless circus then? No, far from it. The stock market, along with the stock prices of all listed companies and the levels of the various indices are extremely important to the countries and to many of us’ economic well-being. What is a meaningless circus is the minute-to-minute hyperventilate tracking of these things. Let me explain it this way. Tracking and predicting the weather is an important function but lying on the ground and trying to draw meaning from the changing shapes of clouds being chased by the wind is madness.

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When we look at the day’s stock curve and laugh, we are actually laughing at those who are lying on the ground and trying to predict the clouds’ movements. Take a couple of days back for instance, the day when I’m writing these lines. The markets opened at somewhere and moved up to yet another an all-time high and then collapsed by about 140 points by noon. It then made many half-hearted attacks at the previous close and was eventually successful, reaching positive again before ending the day. All in all, it was a fairly entertaining day. Just like Hollywood blockbusters, it packed a range of emotions into a show lasting just a few hours. And it was free. The stock exchange doesn’t even charge for this entertainment.

As I said earlier, to get the full entertainment value from this production, you have to be thinking of the cloud watchers, which include individual cloud watchers who call themselves investors as well as the hyperactive cloud-describers on TV.

There is a lesson in all this. Far too many people are getting carried away by the general idea that the stock indices are an important indicator of something but everyone has a different idea of what that something is. People are buying all sorts of dubious investments just because the Dow Jones is at 14,000.

If you have your card stolen or you think you have been the victim of credit card fraud, then you need to sort the problem out as quickly as possible.

Credit card fraud is becoming more and more of a problem, and if you are not careful then you could lose money to fraudsters. If you are worried about fraud but are unsure how you can protect yourself and your credit cards, then this article could help you. Here are some useful tips and advice about how to protect yourself from credit card fraud:

The methods and types of fraud are increasing as criminals learn new techniques and get improved technology. The most common methods of fraud today include: Copying and ‘cloning’ of cards, ATM fraud, Internet card fraud,PIN number stealing.

All of these methods are used more commonly than ever before to effectively steal your money. Obviously, it is impossible to totally eliminate the problem of credit card fraud, but there are things you can do to greatly reduce the risks.

Keep cards close. Make sure that you never let your cards out of your sight. Never leave cards unattended, and certainly don’t lend your card to anyone. If you are paying in a restaurant or shop, make sure you pay attention as to where your card is. A common method used to copy your card is to get the details whilst you pay, so keep an eye on your card at all times.

Whenever you get a receipt or a credit card bill, check that all the items and amounts are correct. If there are any amounts that you are unsure about, contact your card issuer immediately. Any paperwork that you throw away should be disposed of properly. Shred documents so that people cannot go through your rubbish and discover your card details.

Look behind you. When withdrawing money from a cash machine, make sure no one is looking over your shoulder to read your PIN. The easiest way for someone to use your card illegally is to see your PIN and then steal the card. Also, make sure you never keep a written record of your PIN, especially near your cards.

Use reputable firms. When buying on the Internet, make sure that you only purchase items from large and well-established providers. Small or unknown providers should be avoided as even if they are genuine, their security and encryption may be poor and allow fraudsters to access your details.

Keep contact numbers. If you have your card stolen or you think you have been the victim of credit card fraud, then you need to sort the problem out as quickly as possible. Keep all the contact numbers for your card issuer in a safe place so that you can call them up and sort out problems immediately. If you are careful and act quickly, you can limit the damage of fraud or prevent it occurring at all.

Most working people dream of this thing called financial freedom. It certainly sounds like something we’d all want. But have you ever stopped to really think about what it means? It can mean different things to different people, so before you spend time looking for it, maybe it’s worthwhile to examine what the concept really means to you. After all, it’s hard to find something if you don’t know exactly what it is!

Time and money are inversely related. This means that in most cases, one can be traded for the other. And if you think of how that applies both to your everyday life and to the way business is conducted, it’s true. For example, you can spend your own time cleaning your house or mowing your lawn, or pay someone to do it for you, and free up the time for yourself. You can spend time researching on your own, or you can pay some money for someone else’s specialized knowledge in that same field.

With that idea in mind, financial freedom may be defined broadly as reaching the point where you no longer have to trade your time for money in order to provide for what you want in life. There are two key phrases in that idea – “no longer have to trade” and “what you want”. These are what you have to define for yourself, in order to determine what financial freedom means to you.

To many, financial freedom means just not having to work for a living. They dream of stepping off the treadmill of going to work everyday to pay the bills. Some may want to escape the stresses of the job itself, unpleasant working conditions, commuting, boredom, and so on. Others may just value more time to be with their families and pursue their own interests. For most people, it’s some combination of those.

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But some people will want to continue to work, even after they’ve reached a state of financial freedom. They may already have a job they find personally rewarding, or they may be able to switch to another job which they love. If they’re financially free, the income they receive from a job doesn’t matter as much. Still others may want to run their own business. Financial freedom, for these people, means they don’t “have to trade” their time for money, but they may choose to do so.

The other important factor in finding financial freedom for yourself is that of your current and future lifestyle. Some people prefer a very modest home, car, vacations, and possessions, and will always want to live that way. Starting from the same point, these people will be able to reach a level of financial freedom sooner than those who aspire to more elegant surroundings.

To reach financial freedom, you will have to decide on your own means of getting there. You may find you can reach that point on an income, most likely from your own business, from investment income, or from a combination. If you take the business income route, be sure to build something that will continue to provide income, even if you don’t trade your time for it. Otherwise, you won’t have reached that level as we’ve defined it here.

Every investor has several components that combine to make them successful. The degree of success depends on how well you can implement the components and how well your strategy works.

The method investors have for selecting shares that they want in their portfolio is arguably one of the most important areas of being a successful investor.

The next vital component is the trading plan. This doesn’t need to be overly complex you just need to know what you will do if the share price goes up, down or sideways. If you can cover these three things then you have a contingency for anything the share price can throw at you. And more importantly you will prevent yourself from reacting to market fluctuations.

The trading plan should also incorporate an overall strategy for the share that you have selected and explain the reasoning behind why you’re doing what you’re doing ie why you decided to place your order level at this particular point.

You will need a risk management strategy and to be successful in the long term you will need to implement the strategy. The number of times I’ve seen people unwilling to sell when the share reaches a risk price is a little bit scary.

The above three things are great to have in place but don’t forget that you must be disciplined in implementing them otherwise you’re setting yourself up for failure.

After identifying these strategic factors you should consider how much you are willing to outlay on each share. It is important to try and spend the same amount on each share ie $5000 across a portfolio of 10 shares in order to maintain a balanced portfolio. In other words don’t put all your eggs in one basket.

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Finally before deciding to go ahead with any trade you should asses whether the risk to return is worth it. Over my investing lifespan I have stuck with a ratio that is for every dollar that I am risking I stand to make three or if I stand to make $3000 from a trade then I am willing to risk $1000 in order to make it. The reasoning behind this ratio is that no matter how good you are you will always loose out on a few trades. Having a ratio like this ensures that when the trades come of they more than compensate for any losing trades that you may have.

To recap any successful investor over the long term must exhibit these characteristics over the long term.

Take responsibility for themselves and make their own decisions. They take the credit for making profit and accept the responsibility for any losses. They learn from these decisions and improve over time. Make trading plans and stick to them. They make trading plans based on reliable information and not emotional reactions. And, they stick to their plan.

Assess the Risk/Return Ratio of each trade. They only enter into investments that offer reasonable potential for profit. Manage the risk of every investment. And never lose too much

Allow for contingencies in the plan so they know what they are going to do if the share being traded goes up, down or sideways in price. The plan then dictates the actions and prevents unprofitable reactions.

Only put their money into financially secure companies. Buy shares that are cheap and sell those that are expensive relative to their price trends. Only trade up trending shares and Trade unemotionally and have the discipline to trade the plan. They plan the trade and trade the plan.

Keep taking money out of the market. You only make money when you sell shares.