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Frequently Asked Questions

How many trade recommendations will there be?

We believe that it is not the amount of trades that count, but the quality of trades. We anticipate two to four recommendations a month, but it will vary depending on the stock market volatility. But again, we don't want to trade just to trade . . . our goal is to make investors money.
How do I receive the trades?

When we see a trading opportunity, we will contact you. For your convenience, we will e-mail the trades to you. In addition, we will give you a call notifying you when a trade has been made. You then should check your e-mail or go to our Web site for more information — www.yourmilliondollarsecretcode.com
What are we trading?

We will be buying and selling stocks and Exchange-Traded Funds (ETFs). When we feel the market will go down, we also will short the weakest stocks and use inverse ETFs.
Is Chris Ruddy really investing $1 million?

Yes, Chris is really investing $1 million. He already has invested the money with TD Ameritrade
What is the Stock Timing Axis?

The Stock Timing Axis is a complete proprietary system that has been developed over 22 years to make money in bull, bear, and flat markets. There are five steps to this analysis.
1. The Macro Forecasting Analysis
2. Sector Rotation Analysis
3. Company Analysis
4. Stock Analysis
5. Timing Analysis
Do you manage my money?

No. We have found that the best way to help people make money is to provide them with the information they need to make their own decisions. At the end of the day, you are solely responsible for your own investment decisions and should base such decision on such factors as your personal financial situation and investment objectives.
Will I be able to trade this on my own?

We make the trading for you as clear as possible so you can feel confident when you decide to invest. We tell you exactly what we are buying, at what price, and then we will explain why we are buying it.
Is it better to trade when you send the alert or 48 hours later?
When you get the trading information, it is best for you to look at it right away. If you choose to invest, do so as soon as possible.
If I cancel the service, will I have to return the free items?

No, the "Tao of Warren Buffett," Milton Freidman's �Money Mischief,� and the one-year subscription to Financial Intelligence Report are yours to keep!
How much should I rely on David's advice when making my investment decisions?

The answer really varies, depending on the individual.

As David Frazier mentioned in his first letter to you, many of his family members took a huge hit when the stock and housing markets crashed. He had been warning them that this would happen. Now they are paying close attention to his recommendations. And that's a wise decision as, with his help, they've begun to recoup their losses.

Chris Ruddy and David have known each other for several years. When they first met, Chris took David's recommendations as an opinion. As their relationship has grown, Chris came to trust David and . . . well, you know the rest of the story. Chris is investing $1 million in Your Million Dollar Secret Code. And David's advice to him goes well beyond this fiscal amount.

In this service, David's recommendations tell you exactly when we are buying, what we are buying, and how much we are buying. But most importantly: when we will be selling.

So, like Chris Ruddy and David's family, the decision-making becomes very easy for you and we believe that you will gain an appreciating for David's financial expertise and use it for your great financial advantage.
What brokerage firm should I use? Full-service or an online firm? What are the advantages and disadvantages?

Glad you asked that question.

We've always followed the principle of �getting one's ducks in a row� before embarking on a new journey. And questions like this one definitely should be addressed before you begin to implement our investment recommendations.

If you plan to follow our regular recommendations to our members, you should have no need for a full-service broker or investment advisory firm. Instead, you simply can open an online account at one of the many discount brokerage firms that are now available.

Although we don't endorse any of those firms, some of the more popular ones are TD Ameritrade, Scottrade, E*Trade, Charles Schwab, Fidelity, and Vanguard Brokerage Services.

You can execute our recommended trades at any of the above firms for between $5 and $15 a trade, regardless of the number of shares that you trade.

Although many people are nervous about trading online, there's really no need for concern. Trading online is secure. If you need help, call a customer representative at the firm of your choice. Those representatives usually are very willing to help and often will charge you the same low, online cost for your first few trades, even if you need their help in executing a trade.
How much money should I use for this service?

We've set a goal of a 50 percent to 70 percent return on this money in a year.

The more you choose to invest, the more valuable this service will be to you. That being said, you should be 100 percent comfortable with whatever amount you choose. With the 60-day, 100 percent refund period, you can �paper trade� the service for two months without putting a dime into the trades. On day 59, you can assess properly what type of financial commitment you feel is right for your needs.

Just because Chris Ruddy is putting $1 million into our recommendations does not mean you should feel inclined to put your entire nest egg in. Keep in mind that investing always involves risk and past performance is n ever indicative of future results.
How many stock positions will I have at one time? How many trades a month?

The answer to that question will vary, depending upon the investment environment at any point in time. During some environments, we might recommend only a few positions. During other environments, we might recommend several positions.

However, your recommended portfolio likely will not have any more than 10 positions at any point in time.
How much money should I allocate towards each trade?

Since everyone's portfolios vary in size, we will not suggest a specific amount. Instead, we will recommend that you allocate a percentage of your portfolio toward a trade. And again, you are making the decision at the end of the day.