Direction

It is difficult to make money in a bull market, but what do you do when you are in a bear market? In what direction should you go not only to make money but to protect what you have from loss?

Almost immediately investors think what should I buy that will help me reach my financial goals? This answer may not be the one you will like. It is really not important what you buy as long as you know the rules of the game - the stock market game.

Rule One. You must know the general trend of the market. Is it going up or is it going down? You don't know and worse yet you don't know who does. There are many who do and you can be one of them if you wish, but you must also be willing to put aside the conventional wisdom of Wall Street otherwise known as lies. They tell you that you cannot time the market. You can and it is easy. I have been doing it for almost 20 years and so have many of my friends. Unfortunately, brokerage companies do not want you to learn this simple technique to protect your investments.

Once you know the general direction of the market you can act accordingly. If the trend is up you should own stocks and mutual funds. If it is down you should be out of the market in a money market fund or in bonds.

Go on the Internet to the web site www.bigcharts.com . Here you can type in the basic symbol for the S&P500 Index, SP500, and then use the Interactive Section to put in a 200-day Moving Average. If the price of the Index is below this line you should be in a money market and, if above, you should be buying stocks and no-load mutual funds. It is that simple.

Rule Two. Whatever you buy, and I don't care what it is, you must set a price below which if it drops that you will sell out. Period. As your equity moves up so should this stop-loss price so as to protect your profit. You don't want to give that back when the market or this particular equity starts down again.

The market direction changes from up to down in a rather steady cycle of about 14 to 16 years. It has been doing this since 1800. The year 2000 saw the top of the most recent up cycle and it is expected to repeat with another downward direction for the next 11 years. That is not very encouraging to people who have their retirement funds in a 401K or IRA. During this period a money market account will outperform a stock account.

The only alternative is a no-load bond mutual fund. This is better than trying to buy single bonds as there is always the chance a company will go out of business leaving you with nothing. Government bonds are excellent and safe.

Whether or not you agree the direction of the stock market remains down you should plan on a loss limit for the equities in your portfolio.

Al Thomas' book, "If It Doesn't Go Up, Don't Buy It!" has helped thousands of people make money and keep their profits with his simple 2-step method. Read the first chapter at http://www.mutualfundmagic.com and discover why he's the man that Wall Street does not want you to know.

http://www.mutualfundmagic.com; 1-888-345-7870

Airbnb cleaning service Arlington Heights ..

In The News:

AI phishing scams now use voice cloning and deepfake technology to trick victims, but Kurt "CyberGuy" Knutsson reveals warning signs to watch for.

Inversion Space unveils Arc, a reusable reentry vehicle that can deliver up to 500 pounds of cargo from orbit to anywhere on Earth in under an hour.

Red flags like processing fees, urgent countdowns and requests for full Social Security numbers expose fraudulent settlement sites targeting consumers.

Comprehensive analysis of Google Maps, Waze and Apple Maps examines usability, routing accuracy, data handling and features across the top navigation platforms.

Expert analysis reveals whether wired Ethernet or wireless Wi-Fi connections are safer for home internet use, plus practical steps to secure your network from attackers.

Australian construction robot Charlotte uses sand, crushed brick and recycled glass to 3D print fireproof, floodproof homes with reduced carbon footprint.

Cybercriminals are using fake invitation emails to trick recipients into downloading malware and stealing personal information and data.

Flying drones could help retailers fight a 93% increase in theft rates as Flock Safety promotes airborne security systems to track suspects and deter crime.

The Fox News Artificial Intelligence Newsletter brings you the latest news on the emerging technology every Saturday, highlighting top stories.

Hacker group Radiant stole data from 8,000 children at Kido nursery chain, demanding ransom and directly contacting parents with intimidation tactics.

As 18 states implement bell-to-bell cell phone bans, creative students use Google Docs, iMessage on MacBooks and Post-It notes to stay connected in class.

A sheriff's captain says deputies often spend hours writing reports between calls, but Axon's AI program, Draft One, helps them save crucial time in the field.

Sora 2, OpenAI's new video-generation app, can create AI-generated videos based on a singular prompt. The results are both mind-blowing and terrifying.

iPhone and Android users can reduce Wi-Fi calling battery drainage through settings adjustments, background app limits and stronger Wi-Fi connections.

Work email scams are becoming harder to detect as criminals use AI and spoofed addresses to trick employees into opening malicious attachments and links.

From her Arizona living room, Christina Chapman ran a covert hub that helped North Korean operatives infiltrate U.S. firms, netting $17 million in stolen salaries.

UC Santa Barbara researchers developed a soft robotic intubation system that achieved 100% success rates for experts and 96% for paramedics with minimal training.

Scammers exploit probate filings to target grieving families with fake fees and debts, Kurt "Cyberguy" Knutsson reports.

Automotive giant Stellantis becomes latest victim of widespread Salesforce breaches affecting companies like Google, Cisco and Adidas this year.

A woman from Washington reunited with her missing Maine Coon cat Louie after 11 days using Love Lost, a free AI-powered pet recovery platform.

Expert cybersecurity tips help Mac owners remove malware infections and strengthen defenses with antivirus software, password managers and system updates.

Meta's AI chatbot training rules bans sexual roleplay with minors and block access to child abuse material as regulators scrutinize its safety measures.

Online banking users face a new threat: web injection scams that overlay fake pop-ups to steal logins. Here’s how to spot them and protect your accounts.

Meta introduced Teen Accounts to Facebook and Messenger while launching a School Partnership Program for U.S. educators to report bullying within 48 hours.

Executive order signed by President Donald Trump tasks Robert F. Kennedy Jr.'s MAHA Commission with using AI to find new cures for childhood cancers.

Direction

Stocks & Mutual Fund