If you're uncomfortable with your financial advisor, it's probably with good reason.

Always leave a sinking ship. There's no virtue in hanging on to losers. And stocks don't have feelings.

The higher the yield, the higher the risk. A high yield is designed to attract investors. An outrageously high yield attracts fools.

Sell before the holidays. Stock prices tend to rise on the last trading day before major holidays.

Invest in vanity. Buy stocks in high-profile companies whose products are designed to make you feel good and look good.

Give a cold shoulder to cold callers. Never invest in anything based on a phone call from someone you don't know or whose office is a post office box.

Have the courage of your own convictions and don't be swayed by friends who boast about their financial home runs. Last year's winners are often this year's losers.