I've heard timing systems sound great, but performance figures are based on theoretical models that are tuned to historical data. In reality, they switch too often. And they have to be right twice: getting out of the market and getting back in. And they don't beat buy and hold. Right?

Just what is a bull or bear market? And whatís the difference between cyclical markets and secular markets?

I'm unhappy with switching 100% into stocks at a buy signal, or into a money market at a sell signal. Does it have to be all or nothing?

You favor domestic stock ETFs and mutual funds. What about diversification? How about bonds, gold, commodities, foreign equities, and individual stocks?

I would like to be more aggressive with some investments at buy and sell signals. What strategies are available? And what do you do during buy and sell signals?

I'm not sure how to interpret the terms "Annualized Return," "Years to Double," and "Morningstar Risk" in the performance comparisons?

How does the model account for external events such as political, terrorist, or military crises? Or for the occurrence of rare, unanticipated events?

Iíve read that itís best to sell in May and go away until November. Really?

What motivated you to develop the model? Why is your service free? Do you plan to charge in the future?

Did you know that... ?