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

Bulls make money and bears make money, but pigs seldom do. When a stock or mutual fund is up 30%, sell one-quarter of your position.

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

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.

When a corporation goes into the marketplace to buy back its own stock, it means management thinks the stock is undervalued. This is a smart time to buy.

Avoid greed and fear. These are the investor's Achilles heels. Keeping all your money in the bank earning 3% interest is just as foolish as dumping your entire savings into the market thinking you'll make a quick buck.

Invest less at the end of the month. Brokers tend to push stocks at the end of the month in an effort to match or surpass their previous month's sales.