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.

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.

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.

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.

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

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

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.