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My Uncle Joe lost a fortune in the market, they point out. The stock market has gone virtually nowhere for 10 years, they complain. Individual investors have a huge advantage over mutual fund managers and institutional investors, in that they can invest in small and even MicroCap companies the big kahunas couldn't touch without violating SEC or corporate rules. Moreover, good companies don't have to engage in fraud-they're too busy making real profits.

Often, however, paying careful attention to financial statements will disclose hidden problems. 2) The individual investor is sometimes the victim of unfair practices, but he or she also has some surprising advantages. No matter how many rules and regulations are passed, it will never be possible to entirely eliminate insider trading, dubious accounting, and other illegal practices that victimize the uninformed. McEwan, 75, said writers should be able to express themselves freely without fear of reprisal - after classics by the likes of Roald Dahl and Ian Fleming were given the 'sensitivity' treatment earlier this year.

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Or, they'll bail out of stocks at the worst possible time by insisting that this time, the end of the world is really at hand. They will justify outrageous P/E's by talking about a new paradigm. 5) Take advantage of periodic panics to load up on shares you really like long term. It isn't easy to do, but following this advice will vastly improve your bottom line. 6) Remember that it's not different this time. Whenever the market starts doing crazy things, people will say that the situation is unprecedented.

'I normally get into my country get-up which I'm not in now. I can also see Victoria if she's naked in the top window.' My favourite view of the house. I've got a stick, I walk around, sit out here with a cup of coffee.