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--></style></head><body lang=EN-US link=blue vlink="#954F72" style='word-wrap:break-word'><div class=WordSection1><p class=MsoNormal>Hi Folks:</p><p class=MsoNormal>I have been looking at the CNBC club.</p><p class=MsoNormal>Allot of advertising for it, not much detail.</p><p class=MsoNormal>The cost is pretty high for some recommendations and news letters.</p><p class=MsoNormal>Kramer seems so so as a long term investor and offers allot of trades, think taxes and possibly trading or trading related costs.</p><p class=MsoNormal>I ask if you are looking to run your own money or looking for a place to invest for long goals like retirement.</p><p class=MsoNormal>The stock market is a tretchorous place for non-professional financial types.</p><p class=MsoNormal>If you don’t have degrees in high-tech investing and, or, financial Analysis or Accounting, I recommend letting a pro run your serious long-term money.</p><p class=MsoNormal>You can learn to invest but you will be competing with Masters and PHDs from the likes of Harvard, Stanfford, Michigan, MIT and others.</p><p class=MsoNormal>Today trading uses high-frequency automated tools making it almost impossible to be a trader without competitive tools and the education to use them.</p><p class=MsoNormal>That said, investing can be done and you can make money investing, not trading speculation – at least in my experience.</p><p class=MsoNormal>I know a blind programmer working on a artificial intelligence driven software package over in India.</p><p class=MsoNormal>He has been at it for a little over a year but so far his many versions have not made him a buck.</p><p class=MsoNormal>He may succeed, I hope so since he is a friend of about 20 years.</p><p class=MsoNormal>But, his algorithyms must compete with those built and used by the Harvard and MIT math, cs and financial types I mentioned above.</p><p class=MsoNormal>I have my family members, Masters degrees in Psych and Rocket Science from Michigan in ETFs for their retirement funds.</p><p class=MsoNormal>That is also the direction I am heading with my risk assets, I am 74 and tired of managing a portfolio and maintaining the necessary tools.</p><p class=MsoNormal>If you want a fun and exciting hobby and don’t do sports betting, the stock market is a real gut wrencher or super high depending on your level of investment and your results.</p><p class=MsoNormal>But if you are looking to save for retirement and want your money to make money for you, look at a professional alternative.</p><p class=MsoNormal>We can discuss stock picking if you want or how to pick good funds or other products for longer investments depending on your goals.</p><p class=MsoNormal>again, What are your investing ggoals?<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Richard R. Thomas (Rick USA)</p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><o:p> </o:p></p></div></body></html>